Jul 24

Federal Agencies Focus on Fraudulent Property Flipping in New Appraisal Rules


Minneapolis, Minnesota (PRWEB) August 18, 2012

With a show of tremendous strength, the Board, Bureau, FDIC, FHFA, NCUA, and OCC (collectively, the Agencies) recently issued a proposed rule to establish new appraisal requirements for higher-risk mortgage loans. The proposed rule would implement amendments to the Truth in Lending Act (TILA) enacted by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. Under the Dodd-Frank Act, mortgage loans are higher-risk if they are secured by a consumers home and have interest rates above a certain threshold. This requirement would address fraudulent property flipping by seeking to ensure that the value of the property being used as collateral for the loan legitimately increased.

The six federal financial regulatory agencies are proposing to amend Regulation Z, which implements the TILA, and the official interpretation to the regulation. The proposed revisions to Regulation Z would implement a new TILA provision requiring appraisals for higher-risk mortgages that was added to TILA as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Jenna Thuening, owner of Home Destination, believes, “The new home appraisal requirements for creditors take strong strides toward reducing damaging costs to society when faulty appraisals enable fraudulent property flipping. Illegal property flipping is a fraud for profit scheme whereby recently acquired homes are resold with the aid of a false and artificially inflated appraisal report. If all creditors follow the requirements before extending credit to a perspective buyer, we will be in good shape. Most already do so.

The agencies new proposal centers on Section 1471 of the Dodd-Frank Act, and establishes a new TILA section 129H, which sets forth appraisal requirements applicable to higher-risk mortgages. Specifically, new TILA section 129H does not permit a creditor to extend credit in the form of a higher-risk mortgage loan to any consumer without first being required to do the following:


Require creditors to use a licensed or certified appraiser
Require creditors to disclose to applicants information about the purpose of the appraisal
Provide consumers with a free copy of any appraisal report.
Provide applicant with a statement that the appraisal is for the sole use of the creditor
Inform the applicant that they may choose to have a separate appraisal

The Agencies press release says, “For mortgages with an annual percentage rate that exceeds the average prime offer rate by a specified percentage, the proposed rule would require creditors to obtain an appraisal or appraisals meeting certain specified standards, provide applicants with a notification regarding the use of the appraisals, and give applicants a copy of the written appraisals used.”

Home Destination believes the joint proposal is likely to have a limited immediate impact given that both TILA and the proposal exclude qualified mortgages from the definition of higher-risk mortgages. “How the new proposal will effect or define ‘qualified mortgages’ and be used to implement the new regulations is the subject of considerable discussion in the real estate industry and is yet to be determined. As fraudulent home flipping ends up hurting everyone involved, it is good to see measures that weed it out,” says Jenna.

The proposed rule applies only to first mortgages and is tentatively due to finalize by January 2013. It also exempts reverse mortgages and loans secured only by a residential structure from the rules coverage.

Contact Home Destination at 612-396-7832 for help buying a home through a Certified Distressed Property Expert. Jenna Thuening has years of industry-wide experience and connections to assist homeowner concerns to avoid an inflated home appraisal and higher risk mortgages.







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Jul 21

GeeFunding Accepting New Projects and Charity Campaigns

Dallas, Texas. (PRWEB) June 28, 2014

Gee Funding, Inc., national and international crowd-funding website where anyone can raise money for small business startup, creative projects, film production, music project, art works, charity and just cause charitable donation, education and much more, is now accepting both project and charity campaign.

GeeFunding.Com is open to all, said Godwin E. Enogieru, head of GeeFunding, Inc.

If you need to raise money or help someone in need, there is no better time to this than now, added the spokesperson, who believes everyone should have the opportunity to raise money hassle-free.

With GeeFunding.Com, everyone now has the ability to raise money to start whatever project; he or she has on the drawing board that needs to become reality. However, Godwin E. Enogieru, sounds a note of caution for persons wishing to fund their projects through crowd-funding means to be aware.

Beware of crowd-funding sites claiming to be 100 per cent Free. They will simply charge your donors instead and you will collect fewer donations as a result. Fees always exist when accepting payments online, said Mr. Enogieru.

Despite that note of caution, crowd-funding websites can help persons find a community of small investors to fund their business, without the risks of traditional financing. While some sites focus on funding creative projects, others sites focus on meeting specific needs in the marketplace or community.

So dont let lack of capital hold you back – let the crowd fund you, as people all over the world are now using Crowd-funding platform like GeeFunding.Com to raise millions of dollars for all types of campaigns, said the source.

No matter what someone is raising money for, Godwin E. Enogieru said they can start right now with GeeFunding.Com, which charges no fee upfront or application processing fee.

We here at GeeFunding accept both project and charity campaign, note the spokesperson.

Creating Fund raising Campaign is free, and applicants pay nothing to start a campaign until their campaign is fully funded. GeeFunding.Com, however, charges a fee of seven per cent of the total amount funded.

As it relates to how GeeFunding.Com approaches the crowd-funding process, Mr. Enogieru said it begins when a project owner submits a campaign to GeeFunding.com. Included in the fund raising project submission is a detailed description of the campaign, campaign owners PayPal email account is required, the target goal amount, and a specific fundraising duration.

If GeeFunding approves the project, after reviewing, he launched the project by posting in GeeFunding.com the campaign details, time period, and the target amount of the crowd-funding campaign for immediate backers access.

At the end of a campaign, GeeFunding checks to see if the target amount has been met (or exceeded). However, if the goal is not met, all pre-approved transactions are cancelled and no backer’s or pledges account is debited for the campaign. No money collected.

If the target is met, GeeFunding platform triggers the pre-approved payments from the PayPal accounts of the campaign backer’s. In a chained payment model, the funds are moved to the project owner’s PayPal account first, after which a pre-determined portion of fees (PayPal 2.9 per cent) and commissions (GeeFunding seven per cent) are deducted from the fully funded project owner’s account. In the parallel payment model, funds are instantly transferred to both primary and secondary PayPal accounts upon the success of the campaign.

For further information or how to start your fund raising campaign, please visit the following website: http://www.GeeFunding.Com.







Jul 19

Global And China Tire Mold Industry Report, 2013-2014: Industry Shares, Size, Trend and Analysis to 2014 Report Available at MarketResearchReports.Biz


Albany, NY (PRWEB) June 04, 2014

Global And China Tire Mold Industry Report, 2013-2014

The Chinese tire mold industry prosperity rose again in 2013, with annual sales approximating RMB3.565 billion, up 18.44% YoY, mainly because domestic tire companies successively proposed and expanded tire projects against a sharp decline of rubber prices in 2013, which pulled the tire mold demand.

To Read the Complete Report with Toc Visit: http://www.marketresearchreports.biz/analysis-details/global-and-china-tire-mold-industry-report-2013-2014

Judging from the earnings of key enterprises, Chinas major tire mold enterprises showed varying degrees of growth in sales in 2013, of which, Shandong Himile Mechanical Science & Technology Co., Ltd. as the tire mold industry leader performed outstandingly, its sales from tire mold rose 57.11% YoY to RMB1.057 billion; followed by Greatoo Inc. whose tire mold sales attaining RMB468 million, up 14.04% YoY.

The high-speed growth in Himiles tire mold business was mainly owing to its constantly-growing revenue from export sales, which accounted for 40.11% of the companys total revenue in 2013, 2.96 percentage points higher than 2012, with CAGR up to 35% (2011-2013).

Meanwhile, Greatoo also continued to increase its investment in the tire mold business. In 2011, Greatoo put USD23 million into the radial tire mold production base construction in India; the project, put into production in 2012, now occupies about 30% share of Indias high-end tire mold market, with business radiation to the entire Southeast Asia. In July 2013, the Large OTR and Special Tire Mold Expansion Project went into operation, and brought benefit of RMB6.8355 million for the company that year.

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Both Himile and Greatoo are actively moving into new areas and creating new profit growth points while constantly developing their main business. The former thorough the acquisition of the Group companys assets expanded new business; the latter extended to the upper steam of the industry chain.

On December 12, 2013, Himile purchased large gas turbine parts processing business projects and assets of Himile Machanical Manufacturing Co., Ltd. under the Group company with RMB114 million.

By virtue of the higher product and technical level of molds, Chinese tire mold enterprises will continue to enhance their comprehensive strength in the future. In the context of Chinas ceaselessly-growing production and ownership of cars, its tire mold industry is bound to keep steady growth.

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MarketResearchReports.Biz presents this most up-to-date research on “Research Report On Breast Cancer Therapeutics In Major Developed Markets” To 2020 – Approval Of Novel Therapies To Support Continued Dominance Of HER2 Targeted Drugs

Business intelligence provider, has released its latest research: Breast Cancer Therapeutics in Major Developed Markets to 2020 Approval of Novel Therapies to Support Continued Dominance of HER2 Targeted Drugs , which provides in-depth analysis of breast cancer therapeutics market within the eight major geographies of the US, Canada, the top five geographies in Europe (the UK, France, Germany, Spain and Italy) and Japan. The report provides an estimation of market size for 2013, along with market forecast until 2020. It also covers disease epidemiology, treatment algorithms, treatment patterns, in-depth analysis of the pipeline, and deal analysis. The breast cancer therapeutics market in the eight major markets The US, The UK, France, Germany, Spain, Italy, Japan and Canada was worth $ 9.2 billion in 2013, and is expected to grow at a Compound Annual Growth Rate (CAGR) of 5.1% to $ 13.1 billion by 2020. The US had the largest market in 2013, valued at $ 5.5 billion, equivalent to a global share of 59%, followed by Japan with $ 871.5m or 9.4% and Italy with $ 668.5m or 7.2%. Canada had the lowest market share and value of the leading eight at 2.9% and $ 268.4m, but is expected to witness rapid growth over the forecast period with a CAGR of 6.7%. This will only be surpassed by Japan, which is expected to witness growth at a CAGR of 6.9%.

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Scope

The report analyzes treatment usage patterns, market characterization, pipeline analysis and key licensing and co-development deals in the breast cancer in the major developed markets.

The report includes:

Jul 16

Waste Collection Services in Canada Industry Market Research Report Now Available from IBISWorld


New York, NY (PRWEB) May 31, 2014

In the five years to 2014, heightened volatility in downstream demand initially contrasted with increased demand from municipalities seeking to privatize their waste collection services. Between 2009 and 2011, industry operators witnessed a drop in overall waste volumes as well as fuel hikes that resulted in lower profit margins among small- and medium-sized operators. IBISWorld expects the world price of crude oil to increase at an average annual rate of 10.3% over the five years to 2014, adversely impacting companies that operate diesel-powered waste trucks. Additionally, industry operators obtain a substantial portion of their revenue from the industrial, construction and manufacturing sectors. Since these markets experienced wide fluctuations over the past five years, revenue for the Waste Collection Services industry also fluctuated during this period.

Despite initial hurdles, the Waste Collection Services industry is expected to expand over the five years to 2014, with revenue increasing at an annualized rate of 3.4% to $ 2.5 billion. According to IBISWorld Industry Analyst Omar Khedr, This revenue growth is largely due to the increased level of public-private partnerships, transfer station leasing activities and regulatory standards that require commercial and industrial waste to be handled in a certain manner. Additionally, following a sharp slump in 2009, most downstream markets have rebounded strongly. In the five years to 2014, IBISWorld expects the number of housing starts to increase at an annualized rate of 4.7%, increasing demand for industry services. Although stumbling in 2009, the industrial capacity utilization rate has also improved sharply over the past five years, increasing at an average annual rate of 9.3 percentage points. Together, these factors have led to a strong rebound in industry revenue, including the 2.9% increase expected over 2014.

Continuing trends of public-private partnerships and rising demand from the construction sector are forecast to push demand higher over the five years to 2019, says Khedr. Meanwhile, the increased level of regulation imposed on service providers is expected to hurt profitability as facilities and collection vehicles are modified to become more environmentally friendly. This trend will encourage consolidation activities within the industry, as larger companies will be better equipped to operate more efficiently and withstand regulatory pressures.

For more information, visit IBISWorlds Waste Collection Services in Canada industry report page.

Follow IBISWorld on Twitter: https://twitter.com/#!/IBISWorld.

Friend IBISWorld on Facebook: http://www.facebook.com/pages/IBISWorld/121347533189.

IBISWorld industry Report Key Topics

The Waste Collection Services industry collects hazardous and nonhazardous waste and recyclable materials. Nonhazardous waste includes municipal solid waste (household waste) and industrial and commercial waste. The industry includes transfer stations, where waste is transferred from local vehicles to long-distance vehicles for transport to disposal facilities. This industry does not account for government-provided services of a similar nature.

Industry Performance

Executive Summary

Key External Drivers

Current Performance

Industry Outlook

Industry Life Cycle

Products & Markets

Supply Chain

Products & Services

Major Markets

Globalization & Trade

Business Locations

Competitive Landscape

Market Share Concentration

Key Success Factors

Cost Structure Benchmarks

Barriers to Entry

Major Companies

Operating Conditions

Capital Intensity

Key Statistics

Industry Data

Annual Change

Key Ratios

About IBISWorld Inc.

Recognized as the nations most trusted independent source of industry and market research, IBISWorld offers a comprehensive database of unique information and analysis on every US and Canadian industry. With an extensive online portfolio, valued for its depth and scope, the company equips clients with the insight necessary to make better business decisions. Headquartered in Los Angeles, IBISWorld serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit http://www.ibisworld.com or call 1-800-330-3772.







Related Annual Percentage Rate Press Releases

Jul 14

Worldwide Magnetic Flow Market Exceeds $1.4 Billion, Finds New Flow Research Study


Wakefield, MA (PRWEB) May 31, 2014

According to a new study from Flow Research, the magnetic flowmeter market is the largest of any type of flowmeter market. The world market for magnetic flowmeter exceeded $ 1.4 billion in 2013, and is projected to grow at a compound annual growth rate (CAGR) of 6.1 percent through 2018. By 2018, the market is projected to approach $ 2 billion. The story is somewhat different in terms of units, however. More differential pressure and variable area flowmeters are sold annually than magnetic flowmeters. Despite this, the higher average selling price of magnetic flowmeters enables them to generate more revenues annually than these other types of meters.

Most flowmeters do their best work in clean liquids or gases. This is true, for example, of turbine, Coriolis, ultrasonic transit time, and vortex meters. Magnetic flowmeters, by contrast, thrive on dirty liquids. Magnetic flowmeters and Doppler ultrasonic meters are the only two of the main types of meters that do well in dirty and impure liquids, although DP meters can also measure dirty liquids if they have the right kind of primary element. Magnetic flowmeters are used to measure the flow of conductive liquids and slurries, including pulp and paper slurries and black liquor. Their main limitation is that they cannot measure hydrocarbons (which are nonconductive), and hence they are not widely used in the petroleum industry.

While the magnetic flowmeter market is a mature and stable one, there are some new product developments in the magnetic flowmeter market, and these new developments favor continued growth. One recent development is the advent of two-wire magnetic flowmeters. Four wire meters have a dedicated power supply. Two wire meters use the power available from the loop power supply. This reduces wiring costs, and can result in lower installation costs. These meters are becoming more popular with users, due to the cost savings involved. While two-wire meters still represent only a small percentage of the total magnetic flowmeters sold, their use grew significantly from 2008 to 2013.

Another important development is growth in battery operated and wireless magnetic flowmeters. Battery operated meters make it possible to install magnetic flowmeters in hard to reach places. And wireless meters can transmit a receivable signal where the use of wires is impractical. Both of these segments represent fast-growing areas of the magnetic flowmeter market.

A research study from Flow Research, The World Market for Magnetic Flowmeters, 5th Edition, provides market size worldwide and by geographic region. It also looks at the use of magnetic flowmeters by industry. Magnetic flowmeters are widely used in the process industries. These include the chemical, food & beverage, pharmaceutical, and pulp & paper industries. Magnetic flowmeters will increasingly be seen as an alternative to differential pressure flowmeters. They are widely used in the food & beverage and pharmaceutical industries, where special liners enable them to be used in sanitary conditions. Some 29 percent of magnetic flowmeter revenues are from sales to the water & wastewater industry, which has the highest percentage of magnetic flowmeter sales of any of the process industries.

According to Dr. Jesse Yoder, president of Flow Research, there are multiple factors currently driving this market:

“A steady stream of new products has kept the magnetic flowmeter market vibrant with growth. The development of insertion meters gives more options to end-users who may hesitate to pay the high prices for large line size magnetic flowmeters. Suppliers have brought out a wide variety of liners to handle sanitary and caustic liquids. Advanced diagnostics are making magnetic flowmeters both more intelligent and more reliable. And water flow measurement is increasingly important as populations within countries increase and water shortages become more common.”

About Flow Research

Flow Research, with headquarters in Wakefield, Massachusetts, is the only independent market research company whose primary mission is to research flowmeter and other instrumentation products and markets worldwide. Flow Research specializes in flow measurement devices, and conducts market research studies in a wide variety of instrumentation areas that can be purchased by anyone interested in the topics. These studies are developed through interviews with suppliers, distributors, and end-users. Topics include all of the flowmeter technologies – both new and traditional – as well as temperature sensors, temperature transmitters, level products, and pressure transmitters. The company has a special focus on the energy industries, especially on oil and gas production and measurement.

For more information, visit http://www.flowresearch.com or call +1 781 245-3200. For information on the magnetic flowmeter study, visit http://www.flowmags.com.







Jul 12

Forex Trendy: Review Examining New Forex Trend Analysis Software Released


Los Angeles, CA (PRWEB) April 22, 2014

Forex Trendy – which was designed to monitor and analyze Forex trends and alert users when market conditions are favorable based on market variants has become widely used by experts in the Forex trading community. The buzz surrounding the program’s rapid increase in popularity has caught the attention of HonestyFirstReviews.com’s Tiffany Hendricks, prompting an investigative review.

One of the biggest concerns people have surrounding Forex trading is the uncertainty in currency trends and the element of risk involved, says Hendricks. “Thats why when I first heard of Forex Trendy and its claim to have developed a sophisticated algorithm that tracks currency pairs in real time, enabling investors to make trades when the conditions are perfect, I was very eager to review the product for our readers to find out if it was any good.

Forex Trendy is available digitally online, allowing customers instant access to the program which allow users to identify common trends such as Flags, Triangles and Trend Lines by utilizing the chart and graph analysis tools. In addition, Forex Trendy offers users the ability to scan across 34 currency pairs simultaneously. Customers also receive a bonus PDF explaining how to take full advantage of the program.

Our Forex Trendy review explains that we were impressed by the software’s live and up-to-date chart analysis which allows users to get the information they need in real time enabling them to make investment decisions quickly when the conditions are perfect for trading,” reports Hendricks. “Overall we were quite impressed with this product and its ease of use. Trendy’s up-to-date market trend analysis is miles ahead of anything else I’ve seen out there, and therefore it’s something we are recommending highly to any one who trades Forex, from novice to expert trader.

Those wishing to purchase Forex Trendy, or for more information, click here.

Tiffany Hendricks provides reviews of the best internet marketing courses, software and digital training programs on her website HonestyFirstReviews.com. Hendricks’ Forex Trendy review is available here: http://www.honestyfirstreviews.com/forex-trendy/

Risk Disclosure: All forms of trading carry a high level of risk and may not be suitable for all investors. Please read our Risk Disclosure and Affiliate Disclosure Statements here: http://www.honestyfirstreviews.com/risk-disclosure/







Jul 09

U.S. Ultrasound Market Grows To All-time High In 2013 According to Klein Biomedical Consultants, Inc.

New York (PRWEB) May 30, 2014

According to recently published report The Medical Diagnostic Ultrasound Market in the USA: Challenges & Opportunities in the New Millennium, 2013 report, the U.S. ultrasound market grew almost three percent last year compared to 2012 to reach an all-time high of $ 1.44 billion. Authored by long-time U.S. ultrasound market analyst Harvey Klein, Ph.D., the report reflects double-digit growth in the point-of-care market which was partially responsible for the rise in market revenues.

In spite of the uncertainties caused by the Affordable Care Act, continued declines in reimbursement and slow economic growth, we saw an uptick in ultrasound purchases, said Klein. Musculoskeletal and critical care point-of-care markets showed outstanding growth. Radiology grew eight percent, but the gain was somewhat offset by a decline in cardiology.

Klein attributes the decline in cardiology partially to the late introduction of the Philips EPIQ system which he considers to be the next wave of premium systems. The expectation of this launch stalled the market and shipments of the system were too late in the year to have a positive impact on the growth of the cardiology market. This decline was also reflected in GE stretching its share lead by several percentage points over Philips, the number two competitor in the overall U.S. market.

We did not see a shift from premium systems to lower performance systems, Klein said. We did see further consolidation in the industry with the acquisition of Ultrasonix by Analogic and the purchase of ZONARE by Mindray. The combined shares of the top four companies were relatively unchanged year-over-year remaining at about 75 percent.

Each of the three top selling products had revenue of over $ 100 million and all were in the premium category. The GE LOGIQ E9 radiology system became the number one selling product on the market in 2013.

The report is the 32nd annual report in the series. In it, Klein also predicts the U.S. ultrasound market will grow to $ 1.88 billion by 2018, representing an annual rate of growth of 5.8 percent.

About Klein Biomedical Consultants, Inc.

Klein Biomedical Consultants (KBC) is a strategic marketing consulting firm specializing in the medical diagnostic field. KBC has provided marketing and technical guidance to nearly 150 corporations throughout its 33 year history. It is recognized as a leading authority on the medical diagnostic ultrasound industry. KBC is known for its series of comprehensive, multi-client ultrasound market studies. Since 1981, forty-five reports have been published, including three studies of the ultrasound contrast agent market. KBCs list of clients includes virtually every leading ultrasound equipment manufacturer in the world. These manufacturers account for an estimated 90 percent of the more than $ 6 billion worldwide ultrasound equipment market.

# # #

Media Contact:

Harvey G. Klein, Ph.D.

President

Klein Biomedical Consultants, Inc.

kleinbiomedical(at)gmail(dot)com

Tel: 212-362-0579

Mobile: 917-952-4871







Related Annual Percentage Rate Press Releases

Jul 07

MountainSeed Appraisal Management Hosts Webinar to Discuss New Dodd-Frank Appraisal Regulations — Appraisals for Higher-Risk Mortgage Loans: An Overview of the Agencies Proposal — September 13th 2:00 PM Eastern


Atlanta, Ga. (PRWEB) September 07, 2012

MountainSeed Appraisal Management, LLC a full-service residential and commercial appraisal management firm, has announced a webinar to provide its clients and prospective clients information about a recently-released regulatory proposal.

On Wednesday, August 15, 2012, six federal agencies jointly issued a 211-page proposal to implement Dodd-Frank Section 1471s appraisal requirements for higher risk mortgages. That section of Dodd-Frank added a new section 129H to the Federal Truth in Lending Act (TILA). Comments on most aspects of the proposal are due by October 15, 2012.

The most interesting aspect of the proposal may not be whats in the regulations, but what isnt, said Nathan Brown, Chief Legal Officer of MountainSeed Appraisal Management, LLC. “The proposal gets attention for requiring second appraisals, but it’s not clear how many mortgage loans will actually be subject to that requirement, especially since the regulators propose to exclude all qualified mortgages. What’s more interesting to me about the proposal is the discussion on appraisal review that’s buried in the supplemental information. That discussion might shed some light into how the regulators will choose to roll out Dodd-Frank’s requirement that all appraisals be reviewed to ensure USPAP compliance; although this TILA-based proposal isn’t meant to directly interpret those new FIRREA-based requirements.”

The webinar will cover, among other topics: (1) what loans are considered higher-risk mortgage loans, (2) new appraisal requirements for higher-risk mortgage loans, (3) when a second appraisal would be required, and (4) the proposal’s discussion of USPAP compliance and the depth of appraisal reviews, including the new TILA safe-harbor appraisal review form.

We are excited to present relevant industry information that our clients need to know,” Streck said. We recognize that there is a huge amount of new appraisal regulations that directly impact our clients and prospects. We are glad to be able to add value to the lending community in this way.

Webinar information:

CLICK HERE TO REGISTER (or cut and paste this link into your browser: http://appraisalblog.mountainseedamc.com/new-proposed-regulation-webinar?&t=21149)

About MountainSeed Appraisal Management

MountainSeed Appraisal Management, LLC is a full-service appraisal management firm serving lenders nationwide. Working with community and regional financial institutions, MountainSeed coordinates commercial and residential appraisals, commercial evaluations, and environmental site assessments.

For more information, visit MountainSeed at http://www.mountainseedamc.com, or on our blog at appraisalblog.mountainseedamc.com or on twitter @mountainseed.







Jul 04

California Law Offices of Victor Hobbs Announces Free Help For Residents Facing Foreclosure or Bankruptcy


Irvine, CA (PRWEB) September 21, 2012

Residents of California once again faced news of a rise in foreclosures in July, 2012. Statewide foreclosures rose 12.3% year-to-year for July 2012. This means that numerous California residents continue to face foreclosure, and are still looking at a host of problems as they try to save their main asset; their home.

It’s not only homeowners in foreclosure! Recently, according to a local CBS news investigation, homeowners who have done everything correctly are finding themselves unwittingly foreclosed on, even though mortgage modifications were fully approved and paid on time every month. The system is out of control, which is part of the reason the law office of Victor Hobbs is offering initial free help.

One of the biggest problems homeowners in California face is predatory lending practices, along with a host of scams that affect their ability to save their homes. Knowing how hard these situations are for California residents, the law offices of Victor Hobbs will give anyone who needs legal advice a free consultation.

For many California homeowners, this can mean the difference between losing their home and filing for bankruptcy, or keeping their home and adjusting their mortgage payments. The Truth in Lending Act (TILA), Homeownership and Equity Protection Act (HOEPA), Real Estate Settlement Procedures Act (RESPA), and more recently the HARP Refinance Program, also known as the HARP Two Program, are some of the options available to residents of California who are currently facing foreclosure or bankruptcy.

Given the numerous legal options nationwide, many people are unaware of the legal avenues available to them, that will immediately stop the foreclosure proceedings. Few residents are aware that all legal actions against them or their home can be stopped immediately. Victor Hobbs is working to change that, and working to have residents of California understand all the different options available to them.

Victor Hobbs strives to make people aware of these options by offering a free consultation. With this free consultation he hopes to reach as many residents as possible, to ensure that they understand their legal rights.

For Victor Hobbs, one of the most egregious practices he sees on a regular basis in California, is the “Predatory Lending Practices” being used. People nationwide, with mortgages on their homes, are the prime targets for predatory lenders. Victor Hobbs wants all Californians to fight back against these illegal tactics.

Besides foreclosure and bankruptcy proceedings, the law office specializes in a number of different areas. This includes:

Jul 02

Black Diamond Oil Seychelles Opens Corporation in United Kingdom with Refinery Launch into Middle East


Seychelles (PRWEB) June 14, 2014

Black Diamonds lead investors are excited about the returns from refining crude oil to motor fuel as it brings in huge upside profits. Rezhwan has a strategic location with a long-term supply of crude oil that give them 100% security in their rapidly growing partnership. Moreover Erbil Kurdistan and its refining projects represents huge investment opportunities for BDDEC partners.

Black Diamond partners along with its Kurdish partners Rezhwan are now converting oil into petroleum products that meet the needs of consumers for immediate sales of diesel and gasoline. The Refining of the discounted crude oil which is purchased by the ton consists of a series of successive operations to separate and process mixtures of various crude’s, resulting in products with standard characteristics that can be sold globally.

The calculation for crude oil to motor fuel refining by the ton is fantastic and very profitable for the partners and shareholders who own shares in the Black Diamond Development and Exploration limited partnership.

The global demand for refined petroleum products into motor fuel is robust because of the tight capacity worldwide. Today with elevated utilization rates and pushed margins to historic highs, refinery utilization rates are forecast to exceed 86% by 2015 with demand at 93 million bpd and set to double by 2030.

Black Diamond is planning a series of expansions and upgrades to its existing refineries. Further private refining projects are also under consideration. Together, these projects will offer very substantial investment opportunities and the capability of increasing the income to its partners and shareholders.

Unlike many refineries, these new refineries and facilities located outside the United States will offer large-scale capacity to process local heavy and sour crude in the Middle East. The latest technologies will be used to mitigate their environmental impact relative to older facilities elsewhere in the world.

The partners and owners of Black Diamond Seychelles will benefit from the partnership with Rezhwan while using a proven world-class infrastructure and its ability to refine local crude oil products from locations with in its country and the Middle East.

Recognizably Black Diamond development and exploration United Kingdom has a smart management team in place, not to mention good banking relationships in the Middle East, thus making the exchange of one currency to the other extremely liquid when selling newly refined Motor fuel.

New shareholders are quick to invest in Black Diamonds international refinery projects because of the tremendous liquidity and the high percentage return.

It was agreed that Black Diamond Seychelles and its partners would receive 75% for the cash injections into Middle East joint ventures while Rezhwan would receive 25% for the deployment and expansion into these different projects.

Black Diamond is taking a conservative approach that will help fund the company’s commitment to spending $ 100 million in 2014 in capital projects. Management’s goal is to add these new projects and deliver a dividend payout ratio at a reasonable 45% through prudent management and earnings growth.

The refinery project is expected to make use of Middle East oil and gas resources that will contribute to create long lasting value to Black Diamond investor partners and shareholders. The management team and its joint venture partners have significant experience in energy development and the day-to-day operational requirements of a driller/operator, refineries as well as a long and successful relationship with the financial community.

Ronald Flynn said, We are putting more money to work in the Middle East and abroad in 2014, as part of our development plan to maximize our profits by locking up joint ventures that pay great dividends with very low risk.”

The oil and gas sector investment opportunities in the Middle East will continue to rise over the next five years, Finance Minister and Minister in charge of Oil and Gas Affairs Shaikh Ahmed bin Mohammed Al Khalifa has said.

Trade Arabia Business news information June 14, 2014.

http://www.tradearabia.com/news/OGN_258384.html

Speaking during the opening session of Pet Rotech 2014 at the Ritz-Carlton Bahrain, Hotel and Spa yesterday, Shaikh Ahmed said the petrochemical industry was the second largest manufacturing sector in the Gulf region, as a result of the abundance of natural gas and huge opportunities were being created due to joint investment projects in the GCC, reported the Gulf Daily News, our sister publication.

According to Rudwaw international news and business in Erbil Kurdistan.

ERBIL, Kurdistan Region Overseas investments in the Kurdistan Region have topped $ 39 billion, and an investments law is being amended to make it more attractive to foreign investors, the head of the Kurdistan Investment Board said.

RUDAW 19/5/2014

http://rudaw.net/english/business/19052014

Black Diamond Oil Co. strategy is to cash flow internationally oil and refinery projects thus delivering giant revenue for their partners, Black Diamond Development and Exploration Co ltd. Seychelles, who fund these companies, will follow a more conservative approach as there investors require a more dependable income stream preferably with the potential for growth.

This press release contains forward-looking information within the meaning of Section 27A of the Securities Act of the 1933 and Section 21E of the Securities Exchange Act of 1934, and is subject to the safe harbor created by those sections.







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