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Payback

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The Payback Cigar is making a comeback! The creator of this fantastic stick is also a USMC Veteran that served in Japan in the Nineties. My review is a bit esoteric, like me, and includes some of my experiences over four decades of performing in Japan.
When I was studying with the greats, one of the pleasures after grueling lessons with Balter, Marcellus, Mack, and Bernstein, was to enjoy a good cigar with them or on my own.

He takes a puff and looks at the large Fu mask hanging on his wall. “There’s only so much I can do on my own.” Matt Booth, creator of the Payback Series of Cigars

For more on this fantastic stick and my journeys, follow me at Patreon!

Miyajima Island, between Iwakuni Cho and Hiroshima is an example of a completely isolated island, not overly developed with the freshest…

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August newsletter

Greetings on this first full week in August! 

Today, I am putting together food for the rest of the week and I have decided on a Creole/Cajun influence with the seasoning of Louisiana. 

First off, I am making my Remoulade Sauce to keep in the fridge for salads and such.  I garnered this recipe from New Orleans a long time ago and have put my touches on it. Along with this, I will be making the Emeril Creole Seasoning. This is a catch all seasoning combination made of dry spices and can be kept in the spice cabinet.

  Please help keep this going! Donate here if you wish

Please help keep this going! Donate here if you wish

I will be making Ceviche as it another thing I can keep for a lunch salad or dinner appetizer. It’s also good for breakfast. I am waiting until next week to do my cold Smoked Salmon better known as Lox for bagels and such. The Creole flavors are a mix of many cultures, developed over the ages in New Orleans and the Bayous of Louisiana. 

Moving right along, my Pickled Squash is always a keeper.  It pairs well with pickled Onions and Tomatoes in a multiple course dinner.

Shrimp Creole is the citified dish for New Orleans! The flavors are fantastic and while it is considered more cultured than the Cajun Jambalaya, the flavors are close. I always thought that the only thing separating us from each other is some type of arrogance on both sides of the fence. Perhaps that is why I consider myself as a personal representative of when the Cajun met the Creole, they produced me! I will be using the Lobster and Shrimp Stock from here.

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The Piece De Resistance is a subtle Cioppino from the fantastic city of San Francisco! 

Have a great week! My work is cut out for me. Always check the sales at the local markets and purchase well. Be creative and enjoy life! 

The Body mechanic

Are you a mechanic or at least take good care of your vehicle? What happens if you let the radiator run dry or the vehicle run without any oil in it? The engine will overheat or lock up and then you must replace the entire engine. 

What happens when the body runs out of oil and water along with essential nutrients to keep it operating at pristine levels? The body seizes up and leads to heart attack, stroke, decreased immune system, free radicals taking over which leads to cancer, liver failure, heart attack and stroke. That’s not good at all. I took the bull by the horns, in the eighties and began to take care of my body better than I did my vehicle. Life changed for the better then. By the way, my first car was a brand new 1976 Camaro and it lasted me 15 years. When I sold it, it was in pristine condition. 

Today, let’s talk about liver and immune system health and how to amend meds that can sometimes be destructive on the internal organs. 

Crawfish bisque

2 pounds fresh crawfish or 1 pound fresh and one bag frozen crawfish tails

Crab and Shrimp boil

2 bottles clam juice

1 stick butter

6 tablespoons flour for roux

Cajun Trinity finely minced (celery, onion and bell pepper)

1 medium can tomato puree (optional)

Water to fill stock pot for boiling crawfish

Fill stock pot with enough water to cover crawfish, shrimp and other shell fish and add bag of shrimp boil.  Additional Cayenne, Lemon and other herbs may be added to taste.  Bring to boil and drop the shellfish in, only blanching to a light doneness.  Remove from the stock and let cool before peeling or you might burn your fingers…LOL.

Meanwhile, melt butter over medium heat in other stock pot or dutch oven and have flour ready to add, 1 to 2 tablespoons at the time to make a golden brown roux.  Stir constantly over low to medium heat for about 15 minutes, judging with the eye as there is really no way to say how long it will take, even for the most experienced chef. 

Have the trinity ready to add, as I do this almost immediately as the roux begins to brown and continue stirring.  When this reaches a desired doneness to you personally ( I like it still crunchy myself) add the clam juice and 3 to 4 cups of the boiling broth to the pot, let simmer over low heat for an hour. 

I actually prefer a lighter roux as the spices I add later on bring out that great flavor sensation of the head and the sweet.  Have ready fresh Nutmeg, finely grated, Cayenne Pepper to taste, Ground Black Pepper to taste, Paprika (at least a quarter cup of this great spice) and add about 15 to 20 minutes before the addition of the peeled and deveined shellfish.  The shell fish are added during the last 5 minutes of preparation.  Yum Yum….!

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Jere Needs Help!

https://paypal.me/pools/c/89gvKRWp5I

Update! I am off the Tramadol and the breast bone seems to healing nicely. I can actually walk about 2 miles, at my own pace, and not be short of breath right now. This has been life changing for me and I will be on heart meds for the rest of my life. Come Se, Come Sa.. LOL just add it to the collection I take on a daily basis. It will take some time, about another 4 months before I am released to go back to full steam. Until then, I’m doing little things around the house but not pushing it. The main thing is to allow the bones to grow back together and that takes time. I still sing the praises of the VA here in Houston! Excellent surgical teams, really top notch. #MichaelDeBakeyVeteransHospital is the bomb! To the people that have helped out, Thank you

Statements from Jere

If I hear one more person, legal or otherwise, that Jody Turner and I have lived here, rent free, for 5 plus years, I’lll go off! When the default judgment was entered, because Queens Park did not respond until October of 2014 after the default was entered in April of 2014, the default was already final, according to court rules and such. Under that, we were told by other attorneys that looked at the case, there is no place to pay the mortgage any longer and the house was ours through process of elimination. Debt was canceled with the default judgment.

The default judgment nuffified the mortgage, promissory note and deed of trust. Why Judge Hinde vacated it in 2017 and we did not hear about it until May 30th of 2018, is a mystery to me. Our attorneys do not return phone calls and haven’t spoken to us since the case for statutory mortgage fraud was filed in 2012. That was the last time we heard from our attorneys until May 30th of 2018. This is wrong on so many levels. Case number 201366296 in Harris County District Court 269. Attorneys for us are John C. Osborne and William Robertson.

Our mortgage originated here in Houston through Marquis Money, Jeremy Raddack, who was an unlicensed mortgage broker at the time. Flagstar Bank was our initial mortgage servicer and very difficult to deal with.
1. I know Flagstar did not conduct its operations in the underwriting of FHA loans in accordance with HUD-FHA regulations.
I have learned that on February 24, 2012, Flagstar admitted, acknowledged, and accepted responsibility for submitting false certifications to HUD about the eligibility of its loans for FHA insurance.
I also learned that a settlement was reached with the U.S Attorney’s Office, the lender agreed to pay $132.8 million to the United States in damages and penalties under the False Claims Act and to reform its business practices.
Flagstar admitted that during the period January 1, 2002, to February 24, 2012, it delegated underwriting decisions to unauthorized staff.

58105516 Original Petition-page-003
2. I learned that the lender also admitted that it underwrote and approved for FHA insurance loans that did not comply with certain HUD-FHA underwriting requirements, and HUD paid insurance claims on these ineligible loans.
Further, the U.S. Attorney’s Office announced that Flagstar set daily quotas for its HUD approved underwriters and underwriting assistants and paid these employees substantial incentive awards for exceeding daily quotas.
Flagstar agreed to pay $132.8 million and to other concessions to resolve the U.S. Government’s claims.
The lender agreed to pay $15 million within 30 days after approval of the settlement by the court and make additional payments totaling $117.8 million as soon as it met certain financial benchmarks.

58105516 Original Petition-page-004
3. Additionally, Flagstar agreed to
(1) comply with all relevant HUD-FHA rules applicable to direct endorsement lenders,
(2) the completion of a 1-year period in which Flagstar’s compliance with HUD-FHA rules would be monitored by a third party at Flagstar’s
expense, and
(3) implementation of a training program for all employees involved in the origination and underwriting of FHA loans. Flagstar also agreed to certify to HUD that the individuals in senior leadership positions who previously had primary responsibility for initiating and overseeing Flagstar’s manual underwriting process were no longer employed by the lender.

58105516 Original Petition-page-005
4. I also found out, through research, that on February 24, 2012, the U.S. Department of Justice (“DOJ”) filed a complaint in the United States District Court for the Southern District of New York, Case No. 12-cv-01392, against the Company alleging that for over a decade Flagstar had been improperly approving thousands of residential home mortgage loans for government insurance. Specifically, the DOJ alleges that the Company: used unauthorized staff employees in the loan approval process; paid substantial incentive awards to these unauthorized employees for exceeding certain quotas; permitted underwriters to submit false certifications to the Federal Housing Administration (“FHA”) and the U.S. Department of Housing and Urban Development (“HUD”); and misled FHA and HUD by certifying that the loans had been fully underwritten by properly registered and sufficiently experienced underwriters when they had not. The DOJ further alleges that as a result of the foregoing, thousands of loans were approved for government insurance that did not qualify for insurance and when the loans defaulted, HUD was forced to cover the losses.

58105516 Original Petition-page-007
5. I have also found out that On March 13, 2012 it was announced that shareholder rights firm Robbins Umeda LLP was investigating possible breaches of fiduciary duty and other violations of the law by certain officers and directors at Flagstar Bancorp, Inc.
In particular the firm investigated allegations that Flagstar violated the False Claims Act when it improperly endorsed federally insured mortgage loans that eventually defaulted and falsely certified its loan underwriting practices to federal housing authorities. On February 24, 2012, the U.S. Department of Justice filed a complaint against Flagstar, which alleges that Flagstar utilized under-qualified underwriting assistants to approve thousands of residential home mortgage loans for Federal Housing Administration insurance. The complaint also alleges that Flagstar improperly set daily quotas for the underwriting assistants and paid them substantial incentive awards for exceeding their quotas. While engaging in this scheme, the officers and directors of the company not only exposed Flagstar to significant liability, but represented to the investing public that Flagstar was operating in compliance with all applicable laws and regulations.
6. In September, 2010 we began sending numerous documents to them every month and received false statements from them in return. This mortgage is in three names and I am a Disabled Marine Corps Veteran with Veterans Benefits from the Vietnam Era and other resources. I have a caregiver, the other person that is on the loan with me and is recognized by the Department of Veterans Affairs in such a capacity. I have been ignored by Flagstar as on the mortgage and various programs that are here in the United States and in Texas are not even able to be discussed about down payment assistance, loan modification or other asset protections for the Veteran or the Disabled. This household hit some hard times due to layoffs and job loss but we are working on that and I am attempting to go back to work under the Ticket to Work Program of the Department of Social Security as I do not wish to stay on disability my entire life but prefer to be productive.
I also filed an Equal Housing Opportunity Complaint through HUD in September of 2010 simply because Flagstar tried to delve into the nature of my disability.
7. We did receive paperwork from Flagstar Bank on May 4th, 2011 with a reinstatement agreement that is very vague and is not complete and has a clause in it that we cannot seek legal action at any time over this. It was to be signed and returned by May 12/13, however, the trustee in this foreclosure and the bank filed the Sheriff Sale on May 10, 2011 before this paper work and first payment was to be remitted .
8. I received a mortgage adjustment from Flagstar Bank on August 1, 2011 through the Department of Housing and Development after filing a complaint concerning ongoing struggle to achieve a mortgage modification. We began this process in September, 2010 under constant threat of Foreclosure.

9. There are three lawsuits this has been through, cause 201139174, Dismissed for lack of prosecution, cause 201366296, Default Judgment in April of 2014 and vacated in March of 2017, cause 201659914 dismissed under No Suit by plaintiff Queens Park Oval Asset Holding Trust.

10. We were not contacted after the second meeting for the second lawsuit with William Robertson in October, 2013 until May 30, 2018 concerning the ongoing issues. This is now up for trial and we hired Brain Tagtmeier for this lawsuit and for knowledge concerning the case number 201366296 and to handle case number 201659914 in 2015.
11. The call from John C. Osborne, whom I found out was under suspension during the time frame of these three case and William J. Robertson along with text messages told us we owe twenty thousand dollars. The call came on May 30, 2018. We had dismissed them in 2015 for lack of communication. Brian Tagtmeier is our new attorney and defended 201659914.

hinde
12. Mr. Robertson refused to put damages into the case, thus leaving an open door for continuous litigation and is an egregious mistake.
Today, we are losing our home and heading into bankruptcy. I am a disable USMC Veteran and am very concerned about this. My spouse is Jody Turner and we are scrambling to get a new place to live. We have three rescue animals also.
Thank you for your consideration.

Mortgage Scam

 

Consumers need to know that they may be dealing with companies who are unlicensed and are not authorized to act as a mortgage lender or mortgage broker. In addition, it is also an unfair and deceptive act for a licensed mortgage lender or mortgage broker to conduct business with a person or company which is not licensed.

Here was the trap we fell into. Marquis Money, an unlicensed company in Houston, was our mortgage broker. He worked with Flagstar Bank with underwater and subprime mortgages.

Predatory Lending and Mortgage Fraud

On February 24, 2012, the U.S. Department of Justice (“DOJ”) filed a complaint in the United States District Court for the Southern District of New York, Case No. 12-cv-01392, against the Company alleging that for over a decade Flagstar had been improperly approving thousands of residential home mortgage loans for government insurance. Specifically, the DOJ alleges that the Company: used unauthorized staff employees in the loan approval process; paid substantial incentive awards to these unauthorized employees for exceeding certain quotas; permitted underwriters to submit false certifications to the Federal Housing Administration (“FHA”) and the U.S. Department of Housing and Urban Development (“HUD”); and misled FHA and HUD by certifying that the loans had been fully underwritten by properly registered and sufficiently experienced underwriters when they had not. The DOJ further alleges that as a result of the foregoing, thousands of loans were approved for government insurance that did not qualify for insurance and when the loans defaulted, HUD was forced to cover the losses.

On March 13,2012 it was announced that shareholder rights firm Robbins Umeda LLP was investigating possible breaches of fiduciary duty and other violations of the law by certain officers and directors at Flagstar Bancorp, Inc.

In particular, the firm investigated allegations that Flagstar violated the False Claims Act when it improperly endorsed federally insured mortgage loans that eventually defaulted and falsely certified its loan underwriting practices to federal housing authorities. On February 24, 2012, the U.S. Department of Justice filed a complaint against Flagstar, which alleges that Flagstar utilized under-qualified underwriting assistants to approve thousands of residential home mortgage loans for Federal Housing Administration insurance. The complaint also alleges that Flagstar improperly set daily quotas for the underwriting assistants and paid them substantial incentive awards for exceeding their quotas. While engaging in this scheme, the officers and directors of the company not only exposed Flagstar to significant liability, but, represented to the investing public that Flagstar was operating in compliance with all applicable laws and regulations.

Flagstar did not conduct its operations in the underwriting of

FHA loans in accordance with HUD-FHA regulations.

On February 24, 2012, Flagstar admitted, acknowledged, and accepted responsibility for submitting false certifications to HUD about the eligibility of its loans for FHA insurance.

In a settlement reached with the U.S Attorney’s Office, the lender

agreed to pay $132.8 million to the United States in damages and penalties under the False Claims Act and to reform its business practices.

Flagstar admitted that during the period January 1, 2002, to February 24, 2012, it delegated underwriting decisions to unauthorized staff.

The lender also admitted that it underwrote and approved for FHA insurance loans that did not comply with certain HUD-FHA underwriting requirements, and HUD paid insurance claims on these ineligible loans.

Further, the U.S. Attorney’s Office announced that Flagstar set daily quotas for its HUD approved underwriters and underwriting assistants and paid these employees substantial incentive awards for exceeding daily quotas.

Flagstar agreed to pay $132.8 million and to other concessions to resolve the U.S. Government’s claims.

The lender agreed to pay $15 million within 30 days after approval of the settlement by the court and make additional payments totaling $117.8 million as soon as it met certain financial benchmarks.

Additionally, Flagstar agreed to

(1) comply with all relevant HUD-FHA rules applicable to direct endorsement lenders,

(2) the completion of a 1-year period in which Flagstar’s compliance with HUD-FHA rules would be monitored by a third party at Flagstar’s expense, and

(3) implementation of a training program for all employees involved in the origination and underwriting of FHA loans. Flagstar also agreed to certify to HUD that the individuals in senior leadership positions who previously had primary responsibility for initiating and overseeing Flagstar’s manual underwriting process were no longer employed by the lender

We bought our home in 2008, started negotiations with Flagstar for a HAMP mortgage adjustment. After a year of back and forth paper work, we decided to hire an attorney to straighten this out. We were told not to make anymore payments until it was straightened out.

Bad advice from  a bad attorney.

Don’t let this happen to you!

My PSA for the day.

hinde

 

Jeremy Radak Mortgage Scam Artist