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What Fees Must Be Demanded for CashLoan in Austin?
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15,000 people were expected at the festival on Midsummer Common
Organisers of the Cambridge Strawberry Fair have cancelled this year's event after police challenged the granting of a licence by the city council.
They said the effort needed to ensure an alcohol licence for the event would take up too much volunteers' time.
Cambridgeshire Police made the appeal to question "the legal position in the licensing magistrates' court".
Cambridge MP David Howarth said: "It should be left to elected councillors not unelected police."
The organising committee said in a statement: "In view of the continuing hostility of the police towards Strawberry Fair the organisers have reluctantly taken the decision to cancel this year's event."
Seventy three arrests
Justin Argent, Chairman of Strawberry Fair, said: "The police appeal of the decision made by Cambridge City Council means that we now have to put all our efforts into fighting that appeal, rather than into the detailed preparations for the 2010 fair."
Ch Supt Rob Needle said: "We are surprised that the Strawberry Fair organisers have decided to cancel this year's event.
"Let me make it absolutely clear once again that we are not against the event in principle, and never have been.
"Last year, however, there were 73 arrests, 244 people were given formal warnings for cannabis possession and eight were given penalty notices for urinating in public.
"In total there were more than 400 prosecutions. This raises issues under the Licensing Act of 2003 and therefore we made an appeal for further consideration of the legal position by the licensing magistrates' court."
The Strawberry Fair in Cambridge was given the go-ahead by Cambridge City Council despite complaints about drug and alcohol abuse last year.
Cambridge MP David Howarth said: "I am extremely saddened by this news.
"This is not an issue on which the police should have been allowed to dictate.
"It should be left to democratically elected councillors to make decisions like these that affect our city, not unelected police officers."
Julie Smith, councillor for arts and recreation, said: "Strawberry Fair makes an extremely valuable cultural contribution to Cambridge.
"The fair ran more smoothly last year thanks to the hard work of the Strawberry Committee, council, police and local residents. We hoped to build on those arrangements this year."
Jennifer Liddle, who chairs the council's licensing committee, said: "The committee listened very carefully to all of the evidence presented to it, by the police and by the Strawberry Fair committee.
"They unanimously decided that the new look Strawberry Fair should be granted a licence.
"We believed the conditions we imposed on the licence would address issues such as anti-social behaviour and allow people of all ages to enjoy this event once again."


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If someone told you that you were at risk of heart failure, would you remain in a sedentary slump? Unsurprising, but worrying news coming from the American Heart Association: 1 in 5 people at risk of heart attacks are not actually bothered about improving their health.
Maybe you have a friend you're concerned about, who knows the health risks to their heart associated with their belly and chooses to dismiss it as scaremongering. Instead, opt for less stick and more carrot with our bona fide weight loss benefits list.
Regular exercise helps lose weight and build fitness. Push yourself hard enough and you might even develop some muscle, too. But you know all this. You clever lot.
However, losing weight comes with more benefits than what you think. Here's six surprising benefits that occur when shedding fat.
1. You'll perform better in bed
The effect of fat-clogged blood vessels on your overworked heart is well-known, but side-effects below the belt can fly under your radar. The University of Sherbrooke in Canada found one third of obese men suffer from erectile dysfunction – a problem that can be easily cured by making healthy lifestyle changes. Plus, losing your paunch can add an extra inch to your manhood; there's a reason weight loss comes with a self-esteem boost.
(Related: How much sex is too much sex?)
2. Your partner won't punch you
There's no point putting in the performance of a life time, only to ruin it minutes later with incessant snoring. Thankfully, research by the University of Eastern Finland found sleep apnea and excessive snoring – often caused by excess weight around your neck – can be cured with a weight loss of just 5%. Still not getting a good night's rest? Try out best ever sleep tips for superior Zs.
3. Your food will taste better
Weird but true: science says swapping burgers for broccoli and brown rice has the power to make food more enjoyable. One possible reason is additional pounds influence hormone levels throughout the body, which change the way taste receptors relay information to your brain. A Stanford University study found overweight men had less taste sensitivity because their buds had become dulled with over use. Try waking them up again and reward yourself with MH's gourmet lamb salad after the gym.
(Related: 6 ways to enjoy healthy food more)
4. You’ll have more money
This may sound simple, but by eating less you’ll also end up buying less food – especially the food you pay an extra five quid to have delivered on the back of a scooter. A 2013 survey by the website vouchercodes found the average Brit spends an outrageous £1320 a year on fast food, and Londoners out-chicken-strip the rest of the nation by upping their expenditure to £221.63 on takeaways every month. Pack in the pizza and put your hard-earned cash to better use.
5. You’ll get better at crosswords
Shedding pounds is the smart man's choice. Being overweight can lead to decreased perfomance in cognitive tasks, according to a study in the journal Neurology. Researchers found heavier men lagged behind in tests of memory, attention and learning, which could hint at an increased dementia risk in old age. Don't let added ballast put your brain at risk, our 11 ways to improve mental health are your cognitive cures.
6. Your knees won't give out
Forget the dangers of poor squatting form or running in the wrong shoes, fat is a fast-track to joint inflammation and pain. Losing one pound of bodyweight relieves four pounds of pressure from your knees and a 2010 study, published in the Annals of Rheumatic Disease, indicated this weight loss can lessen pain, improve joint function and fight arthritis. Want more help dealing with creaky knees? Read our complete guide here.
(Related: Trying to lose weight? Avoid these 5 drinks)

domain: medical


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Relaxing Thinking Time MusicFree Download Relaxing Thinking Time Music
Relaxing thinking time music. Easy listening soft background lounge music. Great for game shows, radio and TV quiz sequences, youtube video, etc. Perfect song for your presentations and projects. Download for free "Relaxing Thinking Time Music" MP3 file has bitrate 192 Kbps, size 3,44 megabytes and length 02:33 min:Free Download
Music is an expression of a state of mind
Music is an essential attribute of human life. Thanks to music, we can cheer ourselves up as quickly as in any other way. Music is very important to everyone. And it is not for nothing that young people who have just met reveal, one of the first questions, the question of musical preferences. Music is an expression of a state of mind. That is why there are so many musical directions, among which everyone can find for themselves the direction that seems to him the most attractive and close to the state of mind.
It is a well-known fact that all the great doctors before the operation tuned in to it by listening to music. Indeed, different music affects people in different ways. So, young people in their teens often gravitate towards hard rock. This music is gloomy and depressing, however, like nothing else, it reflects the state of the child at this time. It seems to him that no one understands him, does not feel the way he does. And in such music he finds an outlet. Music helps us wake up in the morning. So, even on a cold winter morning, when you really don’t want to get up and go to work, good music can cheer you up and energize you for the whole day. Music is more interesting and easier to play sports. Monotonous running on a treadmill is unlikely to please anyone. And if you turn on the music of your favorite group or artist, then you can run much more, and do it with much more pleasure. You can even do homework to music. However, if you are choosing music for a child, then pay attention to the fact that not every musical direction is suitable for such a purpose. Music should be unobtrusive, should not distract from business and the process of reflection, but at the same time it should create a pleasant atmosphere. It is easier to work with music, but here an important condition is that it should be music without words. Everyone knows that when pleasant music plays, you want to sing along. And that can get in the way of work. If it's just the music of classical performers, then listening to it is both safe and beneficial. It is not clear how this works, but scientists have shown that music activates certain emotional centers of the brain, thus regulating the psycho-emotional state of a person.
Relaxing Thinking Time Music Download Sound 100% Free For Your Project.
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domain: artistic


CLEVELAND, Ohio (WOIO) - Difficulties at the post office have delayed the delivery of utility bills to residents of Medina, according to a press release from Medina’s utility department.
Regardless, bills are still due on December 21, according to the city.
The city mailed out bills on December 2. But said that, because of nationwide postal delays, some customers may not have received their bills yet.
The city says residents have several options to make sure their payments arrive on time. They can drop payment in a sealed envelope in the utility drop box at 135 N. Elmwood Ave. in the Medina Municipal Court, go to Medina City Hall to pay in person, or they can call in a credit card payment at no extra charge.
A mask is required to pay in-person at city hall.
You can access your statement on Invoice Cloud from the city’s website or by calling the billing office at 330-722-9052 Monday through Friday from 8 a.m. to 5 p.m.


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★ Save on your booking. Call a live agent at 866-676-7081 and use the promo code HBC4303!>
Effortless Travel. Days Inn Hotel Allentown/Bethlehem Airport hotel offers an ideal location, conveniently close to the Lehigh Valley International Airport. With a free shuttle service and free parking, we take the worry out of traveling. Like we said its easy. A La Carte Breakfast Menu is in their restaurant area. Free Wi-Fi ADA certified animals are welcome at this Hotel. Sorry, no other pets are allowed.
24-hour front desk
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If you are the owner of a Pet Sitting or a Dog Walking business in Allentown, Pennsylvania and wish to add your business listing free of charge to this city please submit your info here.
Days Hotel Allentown/Bethlehem Airport August 6, 2014
Update this hotel listing.
**The hotel prices are subject to change without any further notice and may not represent the current rates. Pets Can Stay takes no responsibility for the posted rates and would advise that you always confirm with the hotel before final booking.
** Although Pets Can Stay makes every effort to have up to date information, any erroneous depiction of pet friendly status is not the responsibility of Pets Can Stay. The hotel prices and pet friendliness are subject to change without notice and also may not represent the current pet friendly status.
Pets Can Stay takes no responsibility for the lack of pet friendly status and strongly advises that customers always confirm with the hotel before booking or showing up with their pet. It is the responsibility of the customer to confirm the pet friendly status or possible information errors before booking. Customers use the information on this website at their own risk.

domain: travel


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A word of caution on evergreens.... Please be careful to make sure it is a pine tree, as some varieties of evergreens are not meant for human consumption.
Also - whenever I do yard work trimming up my evergreen trees and shrubs I get raised red bumps on my arms where the plant material has brushed up against them, so I am pretty sure I have allergies to them. (I consider it an allergy prick test at home) ;) so I personally wouldn't drink Pine needle tea because of allergy concerns.
Just a couple of thoughts. :-)

domain: biology


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- Panic Zone
"Panic Zone" Single by N.W.A Released 1987 Format 12" Genre Hip hop Length 19:32 Label Ruthless / Macola Writer(s) Arabian Prince, Dr. Dre, Ice Cube, Krazy Dee Producer Dr. Dre Certification PMA.K N.W.A singles chronology "Panic Zone"
"N.W.A. and the Posse"
"Panic Zone" was the 1987 debut EP by American hip hop group N.W.A, whose songs were later featured on the compilation N.W.A. and the Posse, which was a reissue of 12" EPs and singles released by Macola Records, the then manufacturer and distributor of Ruthless Records, N.W.A's label.
Apart from the title track and "8-Ball", the record also included "Dopeman", a song about a local drug dealer who is waited on hand and foot by frequent clients whose lives have been ruined as a result of their consumption of his products.
This track was also the B-side of a split single release with Eazy-E's Boyz-n-the-Hood two years later, following the commercial success of Eazy-E's solo debut Eazy-Duz-It and the group's first album proper, Straight Outta Compton, on which a remix of "Dopeman" was included.
The song later appeared on The Best of N.W.A. - The Strength of Street Knowledge. It contains a sample from Funky Worm by the Ohio Players.
Despite its notoriety and popularity, "Dopeman" was never released as a single proper.
At 0:58 the song contains a reference to Scarface: "To be a dopeman, boy, you must qualify - don't get high off your own supply."
Featured MC Krazy Dee raps towards the end of the song: "Yo, Mr Dopeman, you think you're slick, You sold crack to my sister, and now she's sick, But if she happens to die because of your drugs, I'm putting in your culo a .38 slug."
- "Panic Zone" – 4:30
- "Dopeman (Radio Edit)" – 4:42
- "8-Ball (Radio Edit)" – 4:20
- "Dopeman" – 6:00
- "8-Ball" – 4:00
- Eazy-E - Executive Producer
- Dr. Dre - Engineer, Producer
- Donovan Smith - Engineer
- Brian Gardner - Mastering Engineer
- Phil Bedel - Photography
N.W.A Arabian Prince · DJ Yella · Dr. Dre · Eazy-E · Ice Cube · MC Ren Studio albumsStraight Outta Compton (1988) · Niggaz4Life (1991) Extended plays100 Miles and Runnin' (1990) CompilationsN.W.A. and the Posse · Greatest Hits · 10th Anniversary Tribute · The N.W.A. Legacy, Vol. 1 · The N.W.A. Legacy, Vol. 2 · The Strength of Street Knowledge · Family Tree Singles"Panic Zone" · "Straight Outta Compton" · "Gangsta Gangsta" · "Express Yourself" · "100 Miles and Runnin'" · "Appetite for Destruction" · "Alwayz Into Somethin'" · "Chin Check" Other songs Related articlesDiscography · Niggaz4Life: The Only Home Video · Jerry HellerCategories:
- N.W.A songs
- 1987 singles
- Songs written by Dr. Dre
- Drug-related songs
- Songs produced by Dr. Dre
Wikimedia Foundation. 2010.


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It makes me sad on all sorts of levels that Kato Kaelin is described as an "actor"
Incidentially, I got a blaster box of this and pulled a Kato Kaelin relic. Then I bought a hobby box and got an even worse memorabilia card:
Seriously, a card from a guy famous for being annoying was one of the "hits"
At least you got two autographs - I got no autographs with the best hit being a manufactured relic (at least it was Lucille Ball - the other was a Mickey Rooney relic).
I liked the general cards though, but the "hits" were atrocious
Although my local card shop may or may not still have a Grassy Knoll memorabilia card for sale which is makes me laugh every time I see it (not enough to pay asking price, but after seeing that and seeing what I got (okay, the Kato Kaelin kind of makes me laugh as well) I though it was a disappointment.

domain: hobby


Pool and Spa Heaters
Few things are better than a dip in warm water on a cool night. While there are many available options to keep outdoor pools or spas warm and inviting, propane is an excellent choice. In fact, the Energy Department says propane heaters can warm pools and spas more quickly than electric heaters and can maintain heat better in cold weather.
Fast, efficient heating
Today's advanced propane water heaters can be used to warm above-ground and in-ground pools and spas. With heat output of up to 400,000 British thermal units per hour, propane heaters can quickly bring even large pools to a comfortable temperature. To ensure safety, many modern pool heaters are equipped with innovative features, such as sensors that shut off the unit if water temperatures rise above prescribed limits. Bottom line: you can rely on propane pool and spa heat to deliver safe, steady warmth all through the cool months — or just for special occasions with family and friends.
Unaffected by weather conditions
While electric heat pumps are available for pools and spas, the Energy Department reports that their initial cost is higher than that of propane and other gas pool heaters. Heat pumps start losing efficiency once ambient temperatures fall below about 50 degrees Fahrenheit, which means they use considerably more electricity to maintain water heat. Solar heating, of course, works only when there is a steady supply of sunny days.
Tap professionals for safe, reliable installation Proper installation of your propane pool or spa heater will ensure optimal safety and efficiency. That's why it is best to have a qualified propane professional install the heater and handle regular maintenance and tune-ups as noted in the product owner's manual. To find a qualified propane installer in your area, get in touch with your nearest propane retailer.


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Trey Lance: Ranking the 4 Teams Who Need to Try Acquiring the 49ers’ Forgotten 1st-Round Pick
Hours after the San Francisco 49ers traded up to select North Dakota State quarterback Trey Lance in the 2021 NFL Draft, head coach Kyle Shanahan warned fans not to get too excited about the dual-threat weapon. The offensive mastermind wanted everyone to remember that Jimmy Garoppolo, not Lance, remained the team’s starting quarterback.
Don’t expect Shanahan to change his mind anytime soon. When Garoppolo has been healthy, he’s played the bulk of the 49ers’ offensive snaps and has won four of his last five starts. With the 49ers reportedly expected to bring the two-time Super Bowl champion back in 2022, that understandably creates questions about what lies ahead for Lance, at least in San Francisco.
Could the next step be a trade? The 49ers won’t want anyone to even think about such a move just yet, but we’re going to do it anyway. Although Lance isn’t playing much right now (he’s only taken the field for five snaps since Week 5), the reigning No. 3 overall pick would certainly warrant interest on the trade market.
For this list, we are not going to put together trade packages. Instead, we are only going to focus on quarterback-needy teams that should call the 49ers and at least try exploring a potential deal. Also, we are only including organizations who, as of publication, have uncertain quarterback situations ahead of the 2022 season. We will not include teams like the Buffalo Bills or Kansas City Chiefs who already have a franchise quarterback in place.
Based on consideration of the aforementioned prerequisites, the best teams in question stack up as follows:
4. Cleveland Browns
The Browns are one of only two teams on this list which, in theory, already have a legitimate financial commitment to a quarterback in 2022. Cleveland picked up Baker Mayfield’s fifth-year option earlier this year, a move that guaranteed him $18.8 million in salary for next season. We apologize to the parents of current Browns players for the reminder.
Although Mayfield deserves praise for battling through numerous injuries, he’s also had bouts of immaturity this fall, especially with the long-suffering Browns fanbase. If Cleveland decides a divorce is the best move, then the Browns would be best served by bringing a veteran quarterback, someone like Aaron Rodgers or Russell Wilson, to the altar if possible.
As of now, we’re skeptical about Lance’s chances of succeeding in Cleveland. However, our pessimism shouldn’t scare the Browns away, at least not yet.
3. Washington Football Team
Taylor Heinicke has done everything in his power of late to prove he should return as Washington’s starting quarterback in 2022, and he could very well earn that role. However, Lance’s prowess as a dual-threat quarterback could appeal to head coach Ron Rivera, who thrived with Cam Newton — one of the greatest mobile quarterbacks in modern NFL history — when the two were in Carolina from 2011-19.
We’ll leave Washington on here for now. However, suppose Heinicke continues his strong play of late and even helps Washington sneak into the postseason. In that case, Rivera might not need to invest so heavily in a young quarterback next spring, after all.
2. Houston Texans
As dangerous as assuming is, let’s operate under the belief that Deshaun Watson will not be the Texans’ starting quarterback in 2022. Tyrod Taylor is a bridge option and Davis Mills, a rookie from Stanford, played inconsistently across his first seven games. Barring anything unexpected in the coming weeks, the Texans will likely be searching for a new quarterback next spring.
Although we said we wouldn’t focus on trade packages, we do need to remind you that Houston is on track to have nine selections in the 2022 NFL Draft. The football world is free to run on draft picks if it so chooses.
1. Atlanta Falcons
After an impressive first few weeks, Ryan has looked more like the 36-year-old quarterback he is … at least until he turns 37 next May. The Falcons opted not to select a quarterback in the 2021 draft and instead focused on rebuilding the defense. Perhaps the next step is calling the 49ers and seeing what the team wants in return for Lance, whose dual-threat abilities perfectly fit head coach Arthur Smith’s ideal offensive scheme.
Smith served as the Tennessee Titans’ offensive coordinator from 2019-20 and helped revive Ryan Tannehill’s career in a system that relied heavily on rushing and play-action passes. Considering what Tannehill did in his two seasons with Smith, can you only imagine what Lance and tight end Kyle Pitts can do together?
We can, and we’ll speak the idea into existence. If Lance isn’t starting for the 49ers in 2022, he’ll be on the Atlanta Falcons.
Like Sportscasting on Facebook. Follow us on Twitter @sportscasting19.

domain: news


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"This is by far the most beautiful and transformative chakra chants I have experienced."
~ Anita Revel
"Chakra Chants" by Jonathan Goldman combines the seven Sacred Vowels with Bija Mantras from the Vedic traditions with Pythagorean tunings, Elemental and Shabd Yoga Sounds, Male and Female choral Voices and Sound Current Toning and more for an extraordinary hour long psycho-sonic experience.
This exquisite music is designed for meditation and deep sound healing. It initiates a new level of the therapeutic uses of sound.
WINNER! 1999 Visionary Awards, Best Healing-Meditation Album and Best Album Of The Year
1. Primal Ground ( Base Chakra) ( 8:38)
2. Sacred Union ( Sacral Chakra) ( 9:22)
3. Solar Fires ( Navel Chakra) ( 8:37)
4. Wings Of The Heart ( Heart Chakra) ( 8:49)
5. Spirit Voices ( Throat Chakra) ( 8:31)
6. Mind's Eye ( Brow Chakra) ( 9:02)
7. Crown Of Creation ( Crown Chakra) ( 9:26)
Total Time : 62:23


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Cops charged Max Gemma, 29, of Oceanport, N.J., with hindering prosecution and tampering with evidence.
The NYPD may have complicated the investigation into the murder of a Connecticut man found dumped in a shallow grave in New Jersey by trying to pressure a pair of suspects into cooperating, sources told the Daily News Tuesday.
Detectives arrested James Rackover, 25, and Lawrence Dilione, 28, last month in connection to the stabbing death of 26-year-old Joseph Comunale.
Sources said cops held the pair for an unusually long time before formally arresting them — in an effort to pressure them into cooperating — a move that could make their comments inadmissible in court.
Prosecutors are aware that defense lawyers could move to strike whatever was said to police from making it to trial, sources said.
Cops charged a third man, Max Gemma, 29, of Oceanport, N.J., Tuesday with hindering prosecution and tampering with evidence.
Comunale, of Stamford, was stabbed 15 times in the chest after partying at Rackover's East Side apartment on Nov. 13. His burned body was found three days later in a shallow grave in Oceanport.
None of the three men arrested has been charged with murder.
Rackover and Dilione were arrested on charges that initially included second-degree murder, two days after Comunale was reported missing.
They were later arraigned only on concealing a corpse, tampering with evidence and hindering prosecution by Manhattan District Attorney Cy Vance Jr.'s office.
According to a criminal complaint, Dilione told detectives where Comunale's body could be found. A witness saw Rackover leave his ritzy E. 59th St. building carrying a large duffel bag and load it into the trunk of a black Mercedes, the complaint said.
Cops found bloodstains in the apartment, and the victim's bloody clothes in the building's trash chute.
But investigators still don't know who killed Comunale — and the case has led to tension between the NYPD and the prosecutor's office, sources said.
The NYPD stood by the decision to arrest Rackover and Dilione on murder charges.
"Based on our investigation, we felt we had probable cause to make the arrest on the murder charges. But we understand the DA may require additional information. And that's fine," NYPD spokesman Stephen Davis told The News. "We will continue to work with the DA's office on the case."
An indictment was filed Friday against Rackover, the surrogate son of a famed jeweler, for dumping Comunale's body on Nov. 13.
"I was heartened to see that the indictment does not go any further than the complaint did," Rackover's lawyer Maurice Sercarz said. The charges don't "get the district attorney's office any closer to linking my client to the homicide," he added.
On Monday, Dilione appeared in court to be notified he had been indicted by a grand jury. He is currently out on bail.
Gemma pleaded not guilty at his arraignment Tuesday afternoon. He has no prior arrests, police said.
Manhattan Supreme Court Justice Charles Solomon set his bail at $200,000 bond or $100,000 cash, and he immediately posted it, using Gemma's father's home as collateral.
Gemma's lawyer, Mark Bederow, who has called his client "absolutely innocent" of any crimes related to Comunale's death.
"Nothing leads us to believe he is a suspect in an actual homicide," Bederow said Tuesday. "I think the reason Mr. Gemma is sitting before the court is that this is designed to pressure and squeeze him — plain and simple."


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Special servicers are guilty of a series of “blatant conflicts of interests” in a scandal that eventually will lead to multi-billion dollar settlements, a San Diego-based consultant has claimed.
Jack Rose, chief strategist at Breakwater Equity Partners, says in an interview in this month's PERE magazine that there is also “next to no regulation to protect bondholders” and that ratings agencies are doing little to address issues even when presented with “black and white” cases.
Rose highlights various conflicts at special servicers, many of which are now owned by private equity and private equity real estate groups. He says: “They have a series of blatant conflicts of interest between their duties to the bondholders in the real estate mortgage investment conduit (REMIC) trusts and their interest in buying the (same) properties as cheaply as possible.” He adds: “From the bondholder perspective, special servicers have a duty to maximize value, but as an investor, the special servicer wants to get the asset as cheaply as possible. It is simply an insurmountable conflict of interest. It is repeated constantly in the space and it is really obscene what has gone on. The bondholders really don’t understand how badly they are being treated in all of this.”
Under typical structures Breakwater sees, junior tranche bondholders control the REMIC trust and special servicer. He says the special servicer often wants to avoid cashing out even if it makes sense to sell a property and dispose of it. “They will hold onto it so that they can continue to get fees as a special servicer and so that they don’t lose control to the next most senior class of bondholders,” says Rose, adding that special servicers are jockeying for position and buying up bonds and controlling the rights class, leading to “inefficient decisions”. “In other words if they play ‘extend and pretend’, if it turns out that the market cooperates, they end up making money, but if it turns out the other way, someone else bears the costs.”
In another example of conflict of interest, Rose says special servicers are “constantly going out and cutting deals on the discounted loan pay-offs (DPOs) that allow them to make extraordinary fees at the cost of the bondholders”. Taking a hypothetical example of a property under water with a $100 million loan attached to it, the value of that property might be $60 million, which is what the special servicer could sell it for on the open market. But if it can sell for $58 million and have an investor pay them a $2 million fee to take it over, then effectively the bondholder has been short changed by $2 million, he explains.
Another area he describes as a “coup de grâce” for special servicers concerns situations where the original underwriter of the CMBS is part of the same financial institution that also acts as the master servicer and the special servicer if the CMBS goes into default. Because 2006 and 2007 underwriting standards were so lax, many REMIC deals had instances of omissions or misrepresentation. “Bondholders have the right to put back the loan to the underwriter and the originator if they misrepresented it or if there was securities fraud – indeed they have a duty to”, says Rose. “Taking the earlier example, the originator and the underwriter have to write a check for $100 million. They have to give it back to (the investors) at face value. But you have a situation where a trustee has a duty to put the loan back and basically sue the originator, which is part of the same company. How many times in the history of the US CMBS market do you think that has ever happened? Zero.”
Despite obvious conflicts in specific circumstances, Rose assets bondholders frequently “don’t understand how badly they are being treated”, even though they are sophisticated investors.
He also says his firm has frequently blown the whistle to ratings agencies, but they do little.
“The bondholder maybe large institutions, but they are not that sophisticated in this area. Believe me, we have written the rating agencies letters – every one of them – Moody’s, S&P, Fitch – and they are aware of the situation and they have done nothing to resolve it. There are no federal agencies that have oversight here.”
Calling it the Wild West in terms of lack of regulatory framework, Rose adds that ratings agencies have to rate the special servicers, but they do not do much because they are paid by the underwriter and are not aggressive. “We have brought to them black and white examples of wrongdoing on the part of special servicers. They will make a few phone calls and pretend to investigate but basically do nothing. It is a scandal.”
To read the full story in the March issue of PERE, click here.

domain: law


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As we delve into the world of law and legal contracts, it’s important to have a thesaurus for legal terms to understand the intricate language used in legal documents. Whether you’re dealing with a guarantor agreement template or seeking advice from Sky Legal experts, having a strong grasp of legal terminology is essential.
Many are curious about the legality of certain practices, such as tanning beds in Australia or the status of moneda de curso legal. Understanding the laws and regulations surrounding these topics is crucial to compliance and decision-making.
When it comes to contracts, the structure of licensing contracts and the full form of a license play a major role in defining the terms and conditions of an agreement. It’s important to be well-versed in these areas to ensure fair and equitable contracts.
Lastly, for those pursuing a career in law, the Legal Professions Act 2007 serves as a comprehensive guide to understanding the regulations and requirements within the legal profession.


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Exploring the use of technology for conflict transformation, focusing on the use of information communications technology (ICT) for peacebuilding. From Sanjana Hattotuwa.
Covers appellate litigation. By Howard J. Bashman.
Covers the Supreme Court of the United States. By Bloomberg Law.
Established with the goal of aggregating key compliance and electronic discovery news for further review, study, and consideration by legal and corporate professionals. Published by Rob Robinson.
Offers information, cases and insights on the Class Action Fairness Act of 2005 (CAFA). By McGlinchey Stafford.
Covers class action litigation issues, including class certification, discovery and defense strategies. By Seyfarth Shaw LLP.
Covers news and discussion on the conflict of laws in private international law cases. Editor is Martin George of the University of Birmingham. Published in association with the Journal of Private International Law.
Covers legal developments for civil litigators in Minnesota. By Seth Leventhal.
Provides updates and trends in Pennsylvania civil litigation law. By Daniel E. Cummins.
Covers topics related to civil litigation. By Maxwell S. Kennerly.
Covers Northern District of Illinois intellectual property cases. By R. David Donoghue.
Covers civil litigation and insurance defense in Washington, D.C. By David Stratton.
Covers California punitive damages litigation. By Horvitz & Levy LLP.
Covers civil justice reform issues in New Jersey. By the New Jersey Lawsuit Reform Alliance.
Covers legal issues, news and best practices relating to the discovery of electronically stored information. By Preston Gates & Ellis.
Covers 468B settlement funds, factoring, medicare set-aside arrangements, settlement planning, special needs trusts and structured settlements. By Patrick Hindert.
Covers consumer fraud, consumer protection, securities and antitrust class actions. By Meiselman, Packman, Nealon, Scialabba & Baker P.C.
Covers asset searches, fraud investigations, and legal strategies for recovering hidden assets. By Fred L. Abrams.
Edited by Colin Miller, Jeffrey Bellin and Ben Trachtenberg.
Provides structured settlement information, provocative commentary, news and opinion about structured settlements and settlement planning. By John Darer.
Comments on North Carolina civil litigation and laws. By Bradley A. Coxe.
Offers business trial law with a sense of humor. By Barry Barnett.
Features an appellate practitioner's take on practice and legal developments in the California Courts of Appeal, the California Supreme Court and the Ninth Circuit Court of Appeals. By Greg May.
Offers commentary on civil rights issues, recent decisions and other areas of interest to New York civil litigators and criminal practitioners. By Nicole L. Black.
Teaches advocacy and persuasion for trial lawyers and public speaking to corporate lawyers.
Features civil appellate practice tips, resources, and news. By D. Todd Smith.
Features caselaw updates and cites on causes of actions and affirmative defenses culled from Texas appeals court opinions. By Wolfgang Demino.
By Robin Effron, Cynthia L. Fountaine, Patricia Hatamyar Moore and Adam Steinman.
Examines interesting and new developments regarding grand juries and trial juries. By Thaddeus Hoffmeister.
Discusses jury-related issues.
Covers cmmunity associations, EIFS, construction litigation and construction news. By the Construction Litigation Group of Stark & Stark.
Features civil defense attorneys' perspectives on employment law, intellectual property, and product liability. From DRI - The Voice of the Defense Bar.
Covers issues relating to tort law, regulations, and trials. By John A. Day.
Covers a wide range of business litigation issues in the Southern California area. By Sylvester, Oppenheim, & Linde.
Comments on Ohio law with an emphasis on criminal law. By Russ Bensing.
Covers CAFA, class certification, employment law, FCRA, FDCPA and multidistrict litigation. By Michael Hassen of Jeffer Mangels Butler & Mitchell LLP.
Provides information and opinion on the U.S. litigation system. By the Manhattan Institute and AEI Liability Project. Contributors include Professors Michael Krauss, David Bernstein, Lester Brickman, Michael DeBow, Richard Epstein, Daniel P. Kessler and Stephen Presser.
Offers case summaries of Delaware court decisions in business-related litigation. By Morris James.
Covers cases and issues on the Federal Rules of Evidence.
Covers employment law and litigation. By The Erlich Law Office, PLLC.
Covers practice tips and new legal developments of particular interest to California legal professionals. The CEB blog covers a wide range of practice areas from estate planning to civil litigation, along with posts relating to the practice of law generally.
Covers data security, intellectual property, advertising & media, and business litigation.
Covers business litigation, intellectual property, data security, and advertising and media. By Faruki Ireland & Cox P.L.L.
Covers trial presentation theory, trial graphics designs, trial technician recommendations and jury research methodologies. By A2L Consulting.
Comments on trials and litigation and injury and accident law. By The Martin Law Firm, LLC.