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Mortgage Fraud Schemes in South Carolina – A Review For SC Criminal Attorneys, Lawyers & Law Firms

Mortgage fraud is problem that has reached epidemic proportions in the United States (US) in general and in South Carolina (SC) in particular. The white collar practitioner should be aware that mortgage fraud is generally investigated by the United States Federal Bureau of Investigation (FBI), although other agencies routinely assist the FBI and/or take the lead in investigating a case. Some of the other federal agencies which investigate mortgage fraud crimes for criminal prosecution include, but are not limited to, the Internal Revenue Service-Criminal Investigative Division (IRS-CID), United States Postal Inspection Service (USPIS), U.S. Secret Service (USSS), U.S. Immigration and Customs Enforcement (ICE), U.S. Department of Housing and Urban Development-Office of the Inspector General (HUD-OIG), Federal Deposit Insurance Corporation-Office of the Inspector General (FDIC-OIG), the Department of Veterans Affairs-Office of the Inspector General (DVA-OIG) and U.S. Bankruptcy Trustees.

The FBI works extensively with the Financial Crimes Enforcement Network (FinCEN). FinCEN is a bureau of the United States Department of the Treasury, created in 1990, that collects and analyzes information about financial transactions in order to fight financial crimes, including mortgage fraud, money laundering and terrorist financing. The FinCEN network is a means of bringing people and information together to combat complex criminal financial transactions such as mortgage fraud and money laundering by implementing information sharing among law enforcement agencies and its other partners in the regulatory and financial communities. South Carolina lawyers can keep abreast of mortgage fraud developments by visiting the respective websites of the FBI and FinCEN.

In South Carolina, mortgage fraud is generally prosecuted by federal prosecutors. The United States Attorney’s Office (USAO) and the U.S. Department of Justice’s (DOJ) Criminal Fraud Section handle the criminal prosecutions of mortgage fraud cases. The USAO in South Carolina has about 50 prosecutors in the state, and has offices in Charleston, Columbia, Florence, and Greenville. In the investigation stage, a person with possible knowledge or involvement in a mortgage fraud may be considered a witness, subject or target of the investigation. A subject is generally a person the prosecutor believes may have committed a mortgage fraud crime, whereas a target is a person the prosecutor believes has committed a crime such as mortgage fraud and the prosecutor has substantial evidence to support a criminal prosecution. Criminal prosecutions of mortgage fraud felony cases are usually initiated through the federal grand jury process. A federal grand jury consists of between 16 and 23 grand jurors who are presented evidence of alleged criminal activity by the federal prosecutors with the aid of law enforcement agents, usually FBI special agents. At least 12 members of the grand jury must vote in favor of an indictment charging mortgage fraud. South Carolina criminal defense lawyers are not allowed entry into the grand jury at any time, and prosecutors rarely fail to obtain an indictment after presentment of their case to the grand jury.

Often targets of a mortgage fraud prosecution are invited by the prosecution to avail themselves of the grand jury process and to testify in front of the grand jury. Generally, a South Carolina criminal defense attorney should not allow a named target of a federal criminal mortgage fraud investigation to testify before the grand jury. Subjects and witnesses in a mortgage fraud prosecution are often subpoenaed by the prosecutors to testify before the grand jury. A criminal defense attorney should likewise generally advise a witness or subject to not testify if any part of the testimony would possibly incriminate the client. With respect to a federal mortgage fraud investigation, when a citizen receives a target letter, subject letter, or a subpoena to testify before the grand jury, or is contacted in person by a law enforcement officer such as an FBI special agent, a South Carolina criminal lawyer who is experienced in federal prosecutions should be consulted immediately. One of the biggest mistakes a mortgage fraud target, subject or witness can make is to testify before the grand jury or speak to criminal investigators prior to consulting with a criminal defense attorney. The 5th Amendment to the Constitution allows any person, including a target, subject or witness in a mortgage fraud prosecution, to not incriminate himself or herself. Interestingly, there is no 5th Amendment protection for a corporation. Obviously, if a defendant has been indicted or arrested for a federal mortgage fraud crime in South Carolina, an experienced SC mortgage fraud lawyer should be consulted immediately.

An important practice tip for South Carolina attorneys representing clients who have decided to testify before the grand jury is to accompany the client to the grand jury court room. While not allowed in the grand jury proceeding itself, the attorney can wait just outside of the court room and the client is allowed to consult with the attorney for any question which is posed to the client by prosecutors or grand jurors. This is an effective way to help minimize any potential damaging statements by the client, and a great way to learn the focus of the prosecutor’s case. This approach makes it much easier to gain insights from the client as to the questions asked during the grand jury proceeding as opposed to debriefing the client after a sometimes long and grueling question and answer session which can last for hours.

South Carolina white collar criminal attorneys need to be aware of the types of mortgage fraud that are prevalent in the state in order to effectively identify and represent clients who are involved in mortgage fraud activities. Consumers need to be aware of the variations of mortgage fraud so that they do not unwittingly become a part of a scheme to defraud a bank or federally backed lending institution. Federal mortgage fraud crimes in South Carolina are punishable by up to 30 years imprisonment in federal prison or $ 1,000,000 fine, or both. It is unlawful and fraudulent for a person to make a false statement regarding his or her income, assets, debt, or matters of identification, or to willfully overvalue any land or property, in a loan or credit application for the purpose of influencing in any way the action of a federally backed financial institution.

Some of the applicable federal criminal statutes which may be charged in mortgage fraud indictments include, but are not limited to, the following:

• 18 U.S.C. § 1001 – Statements or entries generally
• 18 U.S.C. § 1010 – HUD and Federal Housing Administration Transactions
• 18 U.S.C. § 1014 – Loan and credit applications generally
• 18 U.S.C. § 1028 – Fraud and related activity in connection with identification documents
• 18 U.S.C. § 1341 – Frauds and swindles by Mail
• 18 U.S.C. § 1342 – Fictitious name or address
• 18 U.S.C. § 1343 – Fraud by wire
• 18 U.S.C. § 1344 – Bank Fraud
• 18 U.S.C. § 2 – Aiding and Abetting
• 18 U.S.C. § 371 – Conspiracy
• 42 U.S.C. § 408(a) – False Social Security Number

While states experiencing the highest number of mortgage fraud cases are California, Florida, Georgia, Illinois, Indiana, Michigan, New York, Ohio, Texas, Utah, Arizona, Colorado, Maryland, Minnesota, Missouri, Nevada, North Carolina, Tennessee, and Virginia, the state of South Carolina has seen a huge rise in the number of mortgage fraud cases being prosecuted by the USAO, DOJ and FBI.

In South Carolina, a disproportionate number of mortgage fraud cases have occurred in the coastal region. Some of the South Carolina counties with high concentrations of mortgage fraud or bank fraud cases include Horry County, Florence County, Georgetown County, Charleston County, Berkeley County, Dorchester County, Beaufort County, Colleton County and Jasper County. Some of the South Carolina cities with high concentrations of mortgage fraud or bank fraud cases include Little River, North Myrtle Beach, Myrtle Beach, Murrells Inlet, Georgetown, Awendaw, Mt. Pleasant, Charleston, North Charleston, James Island, Isle of Palms, Sullivan’s Island, Folly Beach, Kiawah Island, Hollywood, Ravenel, Beaufort, Bluffton and Hilton Head Island. The reason for the increased number of mortgage fraud and bank fraud criminal prosecutions in these areas is because large number of condominium, condotels, townhouse and similar real estate projects which proliferated in these areas. These real estate developments were popular in areas close to the waterfront and bank lenders were willing to loan money at a furious pace due to a perceived enormous demand.

There are a wide variety of schemes, artifices and conspiracies to perpetrate mortgage frauds and band frauds with which the South Carolina white collar criminal defense lawyer and consumers must be familiar. Typical mortgage fraud schemes or conspiracies that have occurred in South Carolina and elsewhere throughout the United States include the following:

Air Loans. The air loan mortgage fraud scheme is a loan obtained on a nonexistent property or for a nonexistent borrower. Professional scam artists often work together to create a fake borrower and a fake chain of title on a nonexistent property. They then obtain a title and property insurance binder to present to the bank. The scam artists often set up fake phone banks and mailboxes in order to create fake employment verifications and W-2s, home addresses and borrower telephone numbers. They may establish accounts for payments, and maintain custodial accounts for escrows. Phone banks are used to impersonate an employer, an appraiser, a credit agency, a law firm, an accountant, etc…, for bank verification purposes. The air loan scam artists obtain the loan proceeds and no property is ever bought or sold, and the bank is left with an unpaid loan that never had any collateral.

Appraisal fraud. Appraisal fraud is often an integral part of most mortgage fraud scams and occurs when a dishonest appraiser fraudulently appraises a property by inflating its value. In most cases, after the seller receives the closing proceeds, he will pay a kickback to the appraiser as a quid pro quo for the fake appraisal. In most cases, the borrower doesn’t make any loan payments and the house or property goes into foreclosure.

Equity Skimming. In an equity skimming mortgage fraud scheme, an investor often uses a straw buyer, false income documents, and false credit reports to obtain a mortgage loan in the straw buyer’s name. After the closing, the straw buyer signs the property over to the investor in a quit claim deed which relinquishes all rights to the property and provides no guaranty to title. The investor does not make any mortgage payments, and rents the property until foreclosure takes place several months later. Equity skimming also occurs when a scam artist purchases a residential property whose owner is in default on his mortgage and/or his real estate taxes, and then diverts rental income from the property for personal gain and does not apply this rental income toward mortgage payments, the payment of taxes and other property-related expenses.

Flipping. A flipping scheme occurs when the seller intentionally misrepresents the value of a property in order to induce a buyer’s purchase. Flipping mortgage fraud schemes usually involve a fraudulent appraisal and a grossly inflated sales price.

Foreclosure schemes. Foreclosure scheme scam artists prey on people with mounting financial problems that that place them in danger of losing their home. Homeowners in the early stages of foreclosure may be contacted by a fraudster who represents to the homeowner that he can get rid of his debt and save his house for an upfront fee, which the scam artist takes and then disappears. In a similar foreclosure scheme, Homeowners are approached by a scam artist who offers to help them refinance the loan. The homeowners are fraudulently induced to sign so-called “refinance” documents only to later find out that they actually transferred title to the house to the fraudster and then face eviction.

Nominee Loans/Straw buyers. One of the most frequent types of mortgage fraud occurs when a “straw buyer” is used to hide the identity of the true borrower who would not qualify for the mortgage. The straw buyer or nominee buyer generally has good credit. The scam artist usually fills out the loan application for the straw buyer, and falsifies the income and net worth of the straw buyer in order to qualify for the loan. These fraud scams were popularized with the advent of the “stated income” loans which did not require a borrower to prove his true income and net worth – the bank just believed the income and net worth that was “stated” on the loan application. Straw buyers are often duped into thinking that they’re investing in real estate that will be rented out, with the rental payments paying the mortgage, and are sometime paid a nominal fee outside of closing. In most case, no payments are made and the lender forecloses on the loan. Sometimes straw buyers are actually in on the scam and are getting a cut of the proceeds.

Silent Second. In the silent second mortgage fraud scheme, the buyer borrows the down payment for the purchase of the property from the seller through the execution of a second mortgage which is not disclosed to the lending bank. The lending bank is fraudulently led to believe that the borrower has invested his own money for the down payment, when in fact, it is borrowed. The second mortgage is generally not recorded to further conceal its status from the primary lending bank.

A mortgage fraud is usually reported to the FBI by the financial institution upon which the fraud has been committed. Pursuant to the Bank Secrecy Act of 1970 (BSA), a bank must file a Suspicious Activity Report (SAR) with FinCEN if a customer’s actions indicate that the customer is laundering money or otherwise violating a federal criminal law such as committing mortgage fraud. See 31 C.F.R. § 103.18(a). A bank is required to file a SAR no later than 30 calendar days after the date of initial detection by the bank of facts that may constitute a basis for filing a SAR, unless no suspect was initially identified on the date of the detection, in which case the bank has up to 60 days to file the SAR. See 31 C.F.R. § 103.18(b). Once FinCEN has analyzed the information contained in the SAR, if a criminal activity is found to have occurred, then the case is turned over to the FBI and the DOJ or AUSO for investigation and prosecution. The rise in FBI SARs reports involving mortgage fraud went from approximately 2,000 in 1996 to over 25,000 in 2005. Of those 2005 SARs reports, 20,000 of involved borrower fraud, approximately 7,000 involved broker fraud, and approximately 2,000 involved appraiser fraud.

The FBI has identified a number of indicators of mortgage fraud of which the South Carolina criminal white collar lawyer needs to be aware. These include inflated appraisals or the exclusive use of one appraiser, increased commissions or bonuses for brokers and appraisers, bonuses paid (outside or at settlement) for fee-based services, higher than customary fees, falsifications on loan applications, explanations to buyers on how to falsify the mortgage application, requests for borrowers to sign a blank loan application, fake supporting loan documentation, requests to sign blank employee forms, bank forms or other forms, purchase loans which are disguised as refinance loans, investors who are guaranteed a re-purchase of the property, investors who are paid a fixed percentage to sell or flip a property, and when multiple “Holding Companies” are used to increase property values.

One of the first and biggest South Carolina mortgage fraud prosecutions occurred in the Charleston Division in the 1990’s. It involved nominee borrowers and straw loans made by Citadel Federal Saving and Loan. Over 10 straw purchasers were enticed into the real estate loans by getting paid fees for signing up for the loans. They did not put up any of their own money as part of the deal and when the loans went sour the bank was left with properties that were upside down, that is, the real estate was worth less the the amount of the loan. Some bank insiders were part of the scheme and got convicted for their respective roles.

The range of defendants that a SC criminal lawyer will represent in a typical mortgage fraud case may include straw borrowers or nominee borrowers, real estate agents, developers, appraisers, mortgage brokers, and sometimes even closing attorneys and bankers. Bankers often get involved in mortgage fraud scams because they are receiving kickbacks from the borrowers or are paid bonuses for the volume of loans made and thus ignore proper banking loan requirements and protocols in order to make more money. Close scrutiny should be given to bank loan applications, appraisals, HUD-1 closing statements, borrower’s W-2 and tax returns when analyzing a potential mortgage fraud case for a potential client.

Federal judges who impose sentences for mortgage fraud normally rely upon the United States Sentencing Guidelines, which are now advisory as a result of the U.S. v. Booker case, when determining a sentence. A federal court calculates a particular guideline range by assessing a defendant’s criminal history, the applicable base offense level, and the amount of the actual or intended loss. Section 2B1.1 of the USSG sets forth a loss table which increases the base offense level according to the amount of money involved in the mortgage fraud. Generally, the more money which is lost in a mortgage fraud scam, the greater the sentence the defendant receives. In some cases, a defendant may be subjected to sentencing enhancements which means the defendant receives a greater sentence. A defendant may receive an enhancement for the role in the offense if the court determines that the defendant was an organizer, supervisor, or a recruiter, or used a sophisticated means to facilitate a crime, abused a position a trust, or targeted a vulnerable victim such as a disabled or elderly person. However, federal judges now have wide latitude for imposing a sentence because they must consider the broad statutory factors set forth in 18 U.S.C. 3553(a)which include the nature and circumstances of the offense and the history and characteristics of the defendant, the need for the sentence imposed to reflect the seriousness of the offense, to promote respect for the law, and to provide just punishment for the offense, the need to afford adequate deterrence to criminal conduct, the need to protect the public from further crimes of the defendant, the need to provide the defendant with needed educational or vocational training, medical care, or other correctional treatment in the most effective manner, the kinds of sentences available, the sentence recommended by the Sentencing Guidelines and any applicable guidelines or policy statement therein, the need to avoid sentence disparities, and the need for restitution.

There are some important strategic decisions which need to be made for the defendant who has been charged or indicted for mortgage fraud. The defendant and his lawyer should seriously consider the consequences of pleading guilty if he has in fact committed the crime. A mortgage fraud defendant can receive up to a 3 level downward departure for pleading guilty. A criminal lawyer representing a mortgage fraud defendant can also file a motion for a downward departure and/or a motion for a variance and argue factors to the court in support of an additional decrease in a defendant’s sentence. The mortgage fraud defendant’s criminal attorney should closely scrutinize the circumstances of the case and the defendant’s background and criminal history in order to help minimize the amount of time to be served. A valuable tip for an attorney representing a criminal mortgage fraud defendant in South Carolina is to consider mitigating factors such as disparate sentences, 5K departures for cooperation, aberrant behavior, property values, family ties, extraordinary rehabilitation, diminished mental capacity, extraordinary restitution should be considered as possible justifications for a lesser sentence.

A white collar criminal defense attorney in South Carolina must have an understanding of the basics of the mortgage fraud in order to adequately represent clients who have been charged or indicted with mortgage fraud violations. Recognizing the difference between the status of being a target, subject or witness can have important consequences in how a case is handled. A white collar bank fraud or mortgage fraud criminal conviction can have life altering consequences for those defendants convicted of the same. A defendant who is charged or indicted with the federal crime of mortgage fraud should consult with a SC criminal lawyer who is knowledgeable about the different types of these scams, how the scams are carried out, the law enforcement investigatory process, the grand jury process, substantive law regarding mortgage fraud, the applicable federal sentencing guidelines and approaches available to minimize a defendant’s potential sentence.

© 2010 Joseph P. Griffith, Jr.

Joseph P. Griffith, Jr.
SC Mortgage Fraud Attorney
SC Mortgage Fraud Lawyer
Joe Griffith Law Firm, LLC
7 State Street
Charleston, South Carolina 29401
(843) 225-5563

Attorney Joe Griffith is a former SC federal prosecutor who focuses on white collar criminal defense of individuals charged or indicted for mortgage fraud and bank fraud offenses.

© 2010 Joseph P. Griffith, Jr.

Article Source: Inside America’s private army with extended bonus scenes from Robert Greenwald’s documentary “Iraq for Sale: The War Profiteers” UPDATE: The American Police Force website page which clearly states that they run the Blackwater-controlled US Training Center is back online here. American Police Force, the paramilitary unit patrolling a small town in Montana, has been exposed as being a front group for the disgraced private military contractor Blackwater, now called Xe. The American Police Force website, on a page that has swiftly been deleted but remains cached here, states that APF runs the US Training Center, which proves a wide range of instruction and training for all types of law enforcement organizations, from basic firearms training to complex SWAT tactics, according to the website. The Blackwater website carries on its contact page the following address, underneath the logo for US Training Center. Xe Services, LLC PO Box 1029 Moyock, NC 27958 Xe Services LLC is the new name of Blackwater USA. In addition, the US Training Center contact page carries the exact same address. PO Box 1029 Moyock, NC 27958 The US Training Center is run by Blackwater. Indeed, The US Training Center website, can be accessed via Blackwaters forwarding URL at According to a February 2009 NY Times article, the US Training Center is a Blackwater subsidiary that conducts much of the companys overseas operations and domestic training. Blackwater changed the

Question by Anonymous: Can theft of services be applied to the use of a parking permit found online?
I am currently attending a certain university in Pennsylvania. The university does not have many parking areas. I had a friend come to the university, and park outside my residence hall. I then looked on the university website for the regulations regarding visitor parking, and posted online (as part of a campus map) was a parking permit. So, I printed it out and hung it in the windshield of my friend’s van. However, we soon received a phone call from the police saying that they were at the van and because it is a “fake” permit, we were being charged with Theft of Services, a criminal charge. My question is, I did not technically forge any permits, and honestly thought the permit printed out would be enough to let us park there for an hour or two (at which point we were going to move it), so can I be charged with Theft of Services instead of just a simple parking ticket?

Best answer:

Answer by The Go To Guy
Wow, these guys were really bored. I would’ve just written you up for parking w/o valid permit and been done with it. Make a big stink in the campus newspaper, the University Police Dept. will want to quash it right away because they are under extreme political pressure not to do their jobs in most cases anyway.

Give your answer to this question below!
Discipline from University independent of criminal courts
Thomas Betz, directing attorney at Student Legal Services highlighted the difference between the criminal and student disciplinary processes. He said that the administrative system at the University and the U.S. court system are “very separate systems …
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Police Interactions 101: How To Interact with the Police in Your Car, On the Streets, In Your Home

Police Interactions 101: How To Interact with the Police in Your Car, On the Streets, In Your Home

Police officers are committing racial profiling and police brutality in communities’ everyday. Tons of illegal incidents go unreported because many people fear the police.

Despite the wave of police shootings and beatings of mostly young Blacks and Latinos during the last few years, the Justice Department has done almost nothing to nail abusive cops.

Advocates and activists don’t trust local police agencies to self-investigate or police themselves. Nor do they trust distr

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[Recorded: October 25, 2011] “A new digital plague has hit the Internet, infecting millions of personal and business computers in what seems to be the first step of a multistage attack. The world’s leading computer security experts do not yet know who programmed the infection, or what the next stage will be.” John Markoff, The New York Times January 22, 2009 When the Conficker computer worm was unleashed on the world in November 2008, cybersecurity experts did not know what to make of it. The worm, exploiting the security flaws in Microsoft Windows, grew at an astonishingly rapid rate, infecting millions of computers around the world within weeks. Once the worm infiltrated one system it was able to link that system with others to form a single network under illicit outside control – a situation known as a “botnet.” This botnet was soon capable of overpowering any of the vital computer networks that today control banking, telephone service, energy flow, air traffic, health-care information – even the Internet itself. Was it a platform for criminal profit, or a weapon? Security experts do not know for sure what Conficker’s purpose is, or even where it came from. Mark Bowden’s “Worm: The First Digital World War,” is about the next frontier in terrorism. Bowden, the best-selling author of Black Hawk Down, has delivered a dramatic cybercrime story that explores the Conficker computer worm, a potentially devastating computer virus that has baffled experts and infected as many
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Savannah Vacation Review

Thinking about taking a vacation? If so this article will give you some insight into the history of one of the most popular cities in the south. If you haven’t visited Savannah before, you will soon find that the city does indeed stand by its nickname: “Hostess City Of The South”. You would do well to imagine a very laid back southern style living with lots of “Hey Yall’s”, and “I Bed Your Pardon’s”. You will also find that if you don’t finish your beer on River Street, you are offered a to-go cup so you can enjoy your beer on the street! Now if that’s not laid back country living at its finest, then I don’t know what is! When walking down the beautiful River Street you will smell the familiar smell of pecan pies in the air. (Or at least that’s what some people say). In actuality the smell is from the fresh pecan pralines that are being baked up for you to taste a sample of. Savannah will be in your memory for years to come, and is a city that should be on your list of places to visit in your life time. What makes the city so attractive is the deep history that it has. So begin this Savannah Vacation Review article I will tell you a little bit about the history of this historic city! If your lucky enough, you may even get to stay in a Savannah hotel along the historic district!

Historic Savannah

Internationally known are Savannah’s history and architecture, as is character for hospitality & Southern charm. Annually, the city attracts hordes of tourists from across the USA and around the globe. Savannah’s historic downtown area is one of the biggest National Historic Landmark Districts in the USA.

One of the lovely historical presents the city offers to us are the legendary “Garden Like” Squares. Savannah’s historic district has 21 squares. The squares vary in size and originality, from the playgrounds of the smallest, Crawford, to the formal fountain and monuments of the largest, Johnson. Elbert, Ellis, and Liberty Squares are called the “lost squares,” because they were annihilated in the course of urban development in the 1950s. Liberty & Elbert Squares were paved over to make way for a the restructuring of highway 17, while Ellis Square was destroyed to build the parking garage for City Market. Different efforts are now in place to bring all three squares back to life. Ellis Square has been restored by the city as well as the City Market parking garage. Ellis Square is scheduled to be complete at the end of 2009. Across from downtown and surround by the river you will find The Savannah International Trade & Convention Center on Hutchinson Island. The island is connected with the mainland by the Belles Ferry, as does the Eugene Talmadge Memorial Bridge which you will find to look sort of out of place as it reminds you of something that should be in a more fast passed town like New York city.

One of the main attractions of Savannah is famous River Street which is full of restaurants, shops, arts & crafts. You also find some of the freshest seafood Savannah has to offer right there on river street as well as some of the best restaurants in the area including Irish Pubs, & New Orleans style restaurants. And don’t forget, if you have never tried the famous “Low-Country-Boil”! Or the buttery She Crab Stew, be sure to taste some before the trip ends as your taste buds will be in for a treat! The location of the city is also conveniently near the coastal islands! Savannah Beach, now known as “Tybee Island” is home to the Tybee Island Light Station. Other story book towns adjacent to the city include the shrimping village of Thunderbolt and two areas that started as summer resort communities for Savannahians: Beaulieu and Vernonburg. Savannah is home to a number of historic houses, cemeteries, forts, & historic houses, & The Savannah Civic Center which hosts 900 events each year! This beautiful city has a lot to offer!

Rooming for Your Savannah Vacation

There are several options for you to choose from among the Savannah area hotels. If you will be flying in and want to stay right outside the city, then you can stay in one of the Savannah airport hotels. If you are looking for somewhere a little more thrifty there are also Savannah hotel deals to be found. If your taste is a little more expensive then you will have your share of Savannah luxury hotels. Or you may like a more home like environment that caters to your every need in a hospitable way then you might enjoy a bed and breakfast Savannah style stay. But note that there a plenty of hotels in the area that offer deals if that’s what you are looking for.

If you really want to be by the shops and restaurants then, you can stay right in one of Savannah’s hotels in the historic district. If you like convenience, then you will want to stay in a hotel right on the river itself. If you enjoy the water there are plenty of Savannah beach hotels to choose from which are or known to some as the Tybee beach hotels. If you stay on the beach, you will be able to enjoy Tybee beach while still being in driving distance of historic downtown Savannah. You have many options to choose from when it comes to planning your Savannah vacation. We hope you have a great stay! Would you would like a thorough review of the best places to stay when you come to visit Savannah?

Please visit my website for more information by clicking on the following link: htpp://

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Question by Jinx: Is This True ? O’Reilly: Obama Could Face Impeachment If He Pardons Illegals ? ?
I hope with all my heart that finally somebody ! stops this dangerous President – Destroyer-of-America USA in his tracks, it is way, Way past time for that to happen. Who would be responsible for filing impeachment ? Why haven’t they already ?

Best answer:

Answer by boodreaux
No it is just wishful WHiTEY SCUM thinking.

What do you think? Answer below!
Serena Williams talks the Olympics and more in Cincinnati
Pardon Serena Williams for being a few minutes later to her press conference at the Western & Southern Open on Monday. She's been a bit busy. A bit busy winning two gold medals a … A bit busy attending track and field events during the second week of …

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ASUS UL30Vt-X1 13.3-Inch Laptop – A Candid Review

The ASUS UL30Vt-X1 13.3-inch laptop is one of those energy-efficient machines, so that might set off some warning bells among those who foolishly think that efficiency means giving up power. In the case of this laptop, however, that’s not how it shakes down.

The UL30Vt-X1 is considered an ultra-portable laptop, so that means that it’s got more gumption than most laptops that get on the move. But more than that, the efficiency factor can’t be denied and that makes this laptop the perfect addition to your on-the-road arsenal.

The ultra-low-voltage Intel Core2 Duo processor SU7300 and eight cell battery gives up to 11 hours of wireless battery power and that, my friend, is something you can’t afford to miss out on. With most comparably-priced laptops offering a tepid five or six hours on battery life, the 11 hours of juice this bad boy generates is out of sight.

Of course, the amazing battery life you can get out of the ASUS UL30Vt-X1 13.3-inch Laptop may have you wondering about the overall power of the laptop. You can put those wonders to bed with 4GB of DDR3 DRAM, ASUS GraphiX Boost switchable graphics, and exclusive Turbo33 technology for optimized performance. This is not your father’s laptop.

In terms of display, this laptop model has got you more than covered. Color Shine 13.3-inch LED-backlit widescreen HD display makes for a great cinematic experience without breaking the energy bank, while the 500GB hard drive lets you store and access gallons of movies and music files thanks to receptive and smooth storage capabilities.

Just when you thought you couldn’t imagine a better laptop for the price, the ASUS UL30Vt-X1 also offers some amazing features designed exclusively for your comfort. Not only does this laptop weigh less than four pounds, it’s under an inch thin and comes with ASUS IceCool Technology to provide a “cool to the touch” place to rest your palm during use. Pardon the pun, but how “cool” is that?

With amazing features for comfort, style, power, and efficiency, the ASUS UL30Vt-X1 13.3-inch Laptop is a brilliant addition to your travel cache. For business trips or just for fun, the ASUS UL30Vt-X1 13.3-inch Laptop is an impressive machine.

For reviews and info on more laptop, tablet and netbook models, visit Honest-Laptop-Reviews.Com

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“I was born under unusual circumstances.” And so begins “The Curious Case of Benjamin Button,” adapted from the 1920s story by F. Scott Fitzgerald about a man who is born in his eighties and ages backwards: a man, like any of us, who is unable to stop ti
Video Rating: 5 / 5

Question by Petra: Is it possible to get a pardon?
Is it possible to get a legal pardon for immigration purposes ?For felony conviction of battery in germany?With a good lawyer?And how would we try to do that?

Best answer:

Answer by Jen
We do not want felony batterers immigrating, thank you.
You can explore in Germany how to be pardoned, and then with that in hand apply for immigration… but, doubtful.

Know better? Leave your own answer in the comments!
Victim's mom not notified of killer's pardon hearing; Daughter was stabbed in
“If I had a chance, I would have said that she is in court trying to get a pardon and my daughter is dead,” Hill said. “I don't feel it is fair that she is enjoying life and living the life my daughter should have. Anybody that killed somebody shouldn …
Read more on Newbritainherald

There’s more trouble afoot as The Apple Dumpling Gang (Don Knotts and Tim Conway) can’t stop causing trouble — and laughs — even when they give up their life of crime! First the ditsy duo is accused of bank robbery as they try to deposit a check. Then they join the US Cavalry and wind up in the stockade for inadvertently blowing up their fort. Although they escape this mess, the witless team who could never shoot straight still can’t seem to succeed in going straight. It’s riotous, raucous fun as THE APPLE DUMPLING GANG RIDES AGAIN!

Confessions of a Lazy Super-Affiliate Review

The author of the eBook is Chris Rempel who has been with the Internet big business since three years, having a special expertise wearing making money websites, i.E. Websites to facilitate generate money on their own.

Benefits of Confessions of a Lazy Super-Affiliate

At hand are six chapters wearing the Confessions of a Lazy Super-Affiliate. All part deals with a specific method of Chris Rempel’s fruitful method and provides several insights into the theme.

The volume as well contains a bonus?

Chris Rempel’s fast-track methods to compose polite money by getting traffic on profitable websites. The least integer of visitors to facilitate you can persuade for every date by using these methods is 150.

At hand is a part devoted on the demand machinery to facilitate moving parts wearing affiliate marketing. This part deals with success revealed to group who would come to pass interested wearing the consequence and not in concert revealed on a open turf.

At hand is in turn on how to convert group from being simple traffic to being buyers.

The volume is polite in support of group who are looking in support of an associate wages generation method to facilitate moving parts.

You can as well be trained how to create a hardly any products. The volume teaches you to compose freeware and shareware products even if you comprise rejection special technical familiarity on the question.

What’s Unique a propos Confessions of a Lazy Super-Affiliate?

Chris Rempel’s special volume breaks a group of myths a propos being an associate. On its very extract, it is a volume fashioned in support of group who neediness to compose a group of money through associate marketing not including putting much effort. It puts brazen the scheme to facilitate associate marketing is not equally awkward otherwise even time-consuming equally it is touted to come to pass. It even shows to facilitate SEO can come to pass a breeze, which is pardon? Largely associate splurge other than semi their lives on. As well, the volume delves on getting group on your websites, but the traffic to facilitate it helps you bring wearing is under fire traffic who want certainly take nearly kind of deed winning visiting the website.

It is as well individual of the cheapest of the books on akin subjects.

Other Features

Confessions of a Lazy Super-Affiliate is a simple $ 29.95, which makes it the cheapest volume wearing the grouping. The payment is online through all most important status cards and PayPal, through a secure 128-bit ecommerce regularity. The volume is instantly downloadable, which is completed directly following the payment. And so, you sort out not need to unease a propos the transport period and at hand are rejection supplementary shipping and usage outlay at this juncture.

The volume as well comes with a warranty. At hand is an 8 weeks (56 days) warranty with the consequence. Wearing job you are disappointed with the volume in this phase and feel to facilitate it is not the correctly consequence in support of you, you can ask them in support of a complete refund in this phase and you shall persuade to facilitate not including several questions asked.

CONFESSIONS OF A LAZY SUPER-AFFILIATE Making Easy Money With Free “Set and Forget” Traffic – No Advertising, No ‘Networking’, No Holds Barred, No BS: []

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This excerpt from the first of our new “Vortex of Attraction” series of DVDs, each one of which features 3 1/2 hours of video from a single outstanding workshop, on 3-DVDs. This excerpt from Episode 1 features a discussion between Abraham and Jerry about the story behind an incident that occurred just the day before the workshop in which Jerry and Esther seemed to come very close to “getting creamed” by a speeding car. The clip was recorded in Stamford, CT on June 13th, 2009, and is taken from the DVD album entitled “Happily Ever After”, which is available from Abraham-Hicks Publications at Esther & Jerry Hickshave been creating and distributing the Abraham material for nearly 25 years, and are the authors of numerous audio recordings, videos, and books based on the Teachings of Abraham. Their books routinely make the New York Times bestseller list. Esther explains that Abraham (no relation to the Biblical figure) is analogous to her “Inner Being” or “Soul”, and that she has learned to translate impulses from this Non-Physical energy using her own vocabulary. For more information, please view our YouTube video entitled “Introduction To Abraham”, or go to our YouTube channel main page and watch any of the dozens of videos linked there. Also, you may go to our Abraham-Hicks website at http and listen to the free audio entitled “Introduction To Abraham”, or browse the wealth of other information also available on our website. NOTE: To turn off and on
Video Rating: 4 / 5

Question by NEV.R.2L8: How much tax payer money is spent every year to pardon a turkey and send it to Disney World?
Redistribute the wealth? I work every day and I want the same health care package as the Senate and Congress. Plus the same pay, Vacation packages, Work schedule, Sweet heart Mortgage Deals, Free lunches and dinners, and Corporate jets at my disposal. If I have to pay for everyone else why am I not entitled to the same? Even turkeys get my Money.

Best answer:

Answer by It’s That Guy
Wealth -is- being redistributed in the US, but upwards. Wealth is more concentrated today in the US than at any time in our history, and more than any other developed country on earth. The main reason for this is the importance of money in our politics. Money has become so important that we no longer have elections, we have -auctions-. Of course the parties try to make it a partisan problem, but it’s not, it’s a systemic problem and both parties participate in it.

And the turkey-pardoning ceremony every year, I just find it really dumb. The president publicly saves a live turkey for a photo op, then retires with his family to the palatial White House dining room to eat some -other- turkey who’s been killed and dressed out of his sight, and he encourages us all to kill and eat turkeys and lots of other critters.

Give your answer to this question below!

Recital of Songs By George & Ira Gershwin

Recital of Songs By George & Ira Gershwin

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No Copyright Infringement Intended I claim no ownership or sponsorship to this video Story: A man’s failed suicide attempt enables him to see ghosts. Director: Young-Tak Kim Stars: Tae-hyun Cha, Kang Hye-Won and Moon-su Lee For More Please Subscribe Thank you
Video Rating: 4 / 5

Related Get A Pardon Articles

In-Depth Corporation Centre Review: A Prominent Canadian Incorporation Service

The Corporation Centre not only offers Canadian businesses an online incorporation service, but also many business services and a ton of very useful information on their website.

The chairman, Howard Greenspoon, and President, Lionel J. Perez both hold law degrees from Canadian law schools.

At-A-Glance Features of the Corporation Centre Incorporation Service

1. Incorporation Jurisdictions

With the Corporation Centre you can incorporate a Federal company and/or provincial companies in the following provinces/jurisdictions:

British Columbia
New Brunswick
Nova Scotia
Prince Edward Island
Yukon Territory

2. Business Formation Services

The Corporation Centre offers the following business services:

Incorporations: Regular incorporations (Federal and Provincial), shelf corporations, non-profit entities, professional corporations, and a lot of very useful Canadian incorporation information.
Business Formations and Registrations: sole proprietorships, partnerships, and regular businesses.
Names: Company name searches, reservations, and registration.

3. Ongoing Incorporation and Business Services

Once you incorporate, you must maintain your corporation with annual filings. The Corporation Centre can do this for you. Services include:

Annual corporate filings and/or changes
Company name changes if necessary
Articles of Amendment or Dissolution.

4. Trademarks

You can use the Corporation Centre to search for and register Trademarks.

5. Contract Creation Service

With their contract creation system, you can create the following contracts:

Shareholders Agreement
Employment Agreement
Durable Power of Attorney (Living Will)
Last Will and Testament

There’s no shortage of contract templates, but they are for the USA. The Corporation Centre caters its contracts and document creator to Canadians.

6. Business Plan Software

If you’re looking to get a loan for you business or company, you’ll need a well-drafted business plan. Professional business plan drafters charge a lot of money for business plans. The Corporation Centre offers software that steps you through creating a professional business plan. Just some of the modules it steps you through include:

Mission Statement
Management and Operations
Market and Competitive Analysis
Marketing and Sales
Web Marketing
Direct Marketing

… moreover, the software has built-in calculators that will present financial projections automatically.

7. Credit Card Merchant Accounts

If you’re incorporating your business, and you’re taking your business to the next level, then maybe it’s also time to get credit card processing. Like contract templates, there are many services for companies in the USA, but not so in Canada. You can completely set up a credit card merchant account with the Corporation Centre.

8. Logo Design Services

Need a logo for your new Canadian incorporation? You can get a logo designed through the Corporation Services.

You have 3 logo design packages to choose from ranging in price from $ 295 to $ 595 (prices may change).

9. A Wealth of Business and Canadian Incorporation Information

The Corporation Centre has a ton of fantastic Canadian incorporation information on its site. You can find out exactly what you need for your incorporation in their easy-to-use website.

I must say it is very refreshing to find Canadian company cater specifically to Canadian businesses with an online incorporation service and many other important business services.

Find out more about incorporating in Canada by visiting this brief guide to incorporating in Canada.

Discover your options for getting an incorporation in Canada for your business.

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Soul Attorneys performing their first video called These are the days

Question by RYAN B: Can I file a lawsuit in Canada against a Canadian citizen that incurred a debt in the state of New York, US?
How do you do this? Can you garnish wages or bank accounts in Ottawa or Montreal? Are there attorneys that have dual bar licenses in Canada and the US?

Best answer:

Answer by Barry C
if you have standing to file suit, and the court has jurisdiction, then you can file suit.

If you have a specific issue, then ask a lawyer. They are listed in the yellow pages locally everywhere.

What do you think? Answer below!
Dismemberment suspect trusts Canada's courts, lawyer says
A porn actor suspected of killing and dismembering a university student in Montreal "trusts the Canadian judicial system," his attorney said Thursday.
Read more on CNN

Earthjustice Attorney Sarah Burt discusses the work of Earthjustice’s International program on Canadian tar sands. Tar sands photos courtesy of credited photographers and Oil Sands Watch:

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