Mobile marketing - Wikipedia, the free encyclopedia

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When we think about advertising, we mostly think about stupid - or great - televised commercials. Or we ponder billboards. Or we think about magazines, which get the bulk of their funding from advertisers and not our $4.

All these forms of advertising are push advertising. Push advertising comes out to find us. This is the sort of advertising we feel bombarded with on a daily basis, the advertising that makes us cover our heads and look for shelter. But it's also the sort of advertising that builds brand identity. Where would Coca-Cola be without its frequent commercials, its promotions, its Santa Claus images?

Because push advertising is so prevalent, we forget that there is a different sort of advertising as well - pull advertising.While push advertising hits the mass market, pull advertising targets specific consumers who have been identified as likely customers. Using carefully-targeted advertising that often uses valuable quality information to spread its message, push advertising has always been expensive to develop and more expensive to deliver (think the "good" junk mail you used to get, like baby magazines for pregnant women). But until the last decade, pull advertising has been far less popular than push advertising because it's just so hard to develop for most consumer groups.Pull Advertising

Only with the advent of the Internet has pull advertising become a common tool. Pull advertising in its online incarnation is related to those magazine supplements that you see - you know, sponsored by Sunoco but filled with truly useful information that makes you want to read them.

The Internet uses the exact same concept. In many ways, the web is nothing but a vast repository of free information and pull advertising sites. Writers who want to make a living in the new world create content that synchronizes well with advertiser demands. They may run Google ads in the margins next to their articles to blend push and pull advertising, or they may discuss products in their blogs or columns, or they may work as affiliate sales sites.

The advantage of pull advertising is that consumers are looking for the information that pull advertising sites offer. The disadvantage is that consumers have to be looking for that information in order to find it.

This means that pull advertising must advertise itself in order to get the traffic it needs to make money.

The Interaction of Push and Pull Advertising

Here's where Push comes back into the equation. If you're starting a new online zine, you might trade banner ads with a more popular site or sites. This means you'll have a little push advertising running on someone else's page. Viewers there will see that ad, and may come to visit you. Once they see that you have good content, it will pull them back to it, without the jump start of push advertising.

Google placement is a blend of both push and pull. Consumers searching for a particular keyword may come up with your site on the first page of the search, but you should stand out in order for them to find you - and you have to place high on that search to begin with. Keywording and LSI management - handled properly, not abused - are both a peculiar blend of push and pull advertising for this reason.

Properly managed, a good blend of push and pull will not only bring viewers to your site, but addict them to it. Push lets them know you're here. If you have engaging ideas, they'll come and check you out. Your good content will continue to pull them back, as will your opt-in newsletters and other goodies that you "push" out to their emails.

Evaluating Granite and Marble Countertops: Which One Really should You Choose?

Granite and marble are each stones which means they can be both equally sturdy, heavy, and incredibly hard. At the same time, simply because the two these stones can really final a lifetime, they can be equally equally high-priced and extremely hard to polish and install. Given that these are equally stones, these are normally patterned, therefore, you might get granite or surface encounters marble that is not fairly similar to the layout within the catalog that you simply ordered so it could be finest to actually see the genuine product when deciding on the type of design and style and pattern which you want as a substitute of relying only on photos. Both are warmth resistant plus they don't scorch when positioned even with a quite very hot material this kind of as iron pots and pans.



Nevertheless, granite is way more challenging than marble and it can be far more resistant to scratches and hefty impacts in comparison with marble. Concurrently, granite is much more defiant to acids these kinds of as vinegar, lemon juice, and tomato juice, as well as other goods with higher amounts of acidity. To help you much better fully grasp the strengths of equally stones, permit us consider a closer seem as to how they had been shaped. Marble, and all its stone family - onyx, travertine, and limestone for the onset had been sediments manufactured of shells, plant issue, animal skeletons, and silt which all settled on the bottom of bodies of h2o and following a long time of getting soaked in drinking water, they solidify and turn out to be stones/ Marble’s primary element is calcium and that is the reason why it's got a tendency to react to acids these as vinegar along with other drinks that incorporate citrus. Granite, on the other hand, is created up of crystallized minerals formed inside the earth’s mantle at higher temperature. The consequence can be a tough, very resistant stone. Marble is often scratched and etched by acids because it is manufactured of calcium carbonate which can be a great deal like chalk nevertheless the only difference is surface encounters marble is compressed and in the crystallized form. From the similar way, marble has less designs, in reality it really is far more frequently sold in its white shade so stains and mars might stand out much more exposed in marble. Granite includes a far more complicated pattern that can cover the stains far better. In terms of patterns on the other hand, marble contains a finer, a lot more sophisticated glimpse than granite. The crystal formations in marble are far more satiny and finer in nature making it seem far more luxurious. Granite has greater, pea-sized crystals which can be coarser on the eye.



In the end, when it comes to durability, the granite countertop would be far more durable and much more resistant to stains and scratches though the seems to be are won by marble. Marble even so is more affordable than granite but it surely requires bigger servicing. So, it all boils down to that which you actually want like a countertop. Would you settle for a countertop which is particularly hard-wearing and even though not as rather since the other one, or would you trade attractiveness for sturdiness and strength?

New Employ Criminal Background Examine

An employment records search is now generally done not just to potential workers but to current employees for promotion as well. It is usually carried out to validate information found on an employee's resume or software form. It's also carried out to identify the best suited possible worker amongst the applicants. Also with what has occurred on September eleven, 2011, employers are actually extremely concerned using the type of workers they hire.

A track record investigation consists of criminal, arrest, imprisonment, and sex offender paperwork. This is really a type of check where state records are examined to investigate if a possible worker or present employee continues to be convicted or charged with any crime in opposition to the state.

Citizenship, immigration and legal operating standing checks are also carried out simply because American businesses are barred from hiring illegal employees by the Division of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records will also be checked. Employees who often file discrimination cases may be recognized as being a risk to a business therefore employers resort to litigation checks. Also, these businesses who do business with the government do not wish to employ whistleblowers who file qui tam fits.

Driving and vehicle records will also be component of the background check, particularly when a potential employee is applying to get a driver position. Employers look for workers who have thoroughly clean driving data or those who have no data of vehicular accidents or visitors tickets.

Drug test data are also becoming checked. An employer wouldn't want to utilize drug addicts in his company due to corporate ethics, worker performance will be impacted and increase of workers' compensation premiums.

Education data are also part with the online background check investigation. This really is carried out to confirm academic attainment with the potential worker and occasionally to examine if applicant has had misdemeanor data in class.

Previous employment data may also be checked especially in the event the applicant will fill a sensitive position in the business. This really is generally done verbally.

Monetary info is also checked particularly in the event the place being filled demands somebody to handle large quantity of cash.

For experts, licensing data are checked for grievances, disciplinary steps and investigations.

Health-related, psychological and physiological files will also be checked because a potential worker may not be fit to work for health factors. A written consent in the applicant must be procured before heading via the whole process.

Social security quantity check is also carried out because identity theft is quite rampant. A past existence may be concealed or an applicant might not have fulfilled the citizenship requirement may be verified through the social safety quantity.

Even though most the above data are public records and may be procured from various authorities agencies in the United states of America, it's nonetheless extremely inconvenient for employers to do track record check on its potential workers as well as present workers. There are a number of personal investigators who provide the service. Also, you will find third celebration companies who also offer the same kind of service. There are also accessible online data banks which can offer the essential information about people. What they do is they purchase U.S. public data and provide them online to get a fee.

How you can Build a great Credit rating and Background

Some are even looking at bankruptcy within their tough work to get rid of credit card debt. Bank card debt settlement could aid a borrower avoid that.

seven to ten Many years

Bankruptcy includes a very extended phrase damaging influence around the buyer who uses it to obtain from debt. But, plenty of Us residents are going through bankruptcy. Personal bankruptcy can stay on your credit score score report from seven to ten a long time. That smudge in your credit history can make it pretty tough to obtain a residence, or a car, and even a career, in the long term. You will find other alternatives to personal bankruptcy for these with mind-boggling monetary debt, free credit score or in any other situation.

Bank card financial debt Settlement a Terrific Choice to get rid of Credit score score Card Bank card debt

One these sorts of choice that exists is a tactic identified as financial financial debt settlement. What transpires is that a debtor negotiates having a creditor to spend back a portion with the monetary debt. Hunting at the option - missed payments, frequent reminders and cellphone calls, bankruptcy - a creditor may probably extremely properly be eager to go over a decrease payback quantity or decrease month to month payments. Specifically with so lots of buyers facing personal bankruptcy or the prospect of defaulting, most collectors are delighted to obtain some funds considerably than none. Forestalling bankruptcy may be an exceptional effective condition for each equally you as well as your creditor.

Credit score Card Monetary financial debt Settlement Negotiation

Approaching a mortgage business, maybe just one you've had to deal with in the previous and not on probably the most amicable circumstances, can be intimidating. There is also a great deal of monetary track document consciousness the normal purchaser just doesn't have. The typical shopper just does not have a superior hold on their rights and strengths.

Pennies around the Dollar towards Eliminating Credit card Debt

Financial financial debt settlement requirements a check my credit score negotiator approaching each and every single lender and negotiate a pay-back choice. Usually, this total can be truly important -- as much as 50% or a great deal much more with the authentic debt. So fairly a couple of individuals at present are on the brink of individual catastrophe, usually hunting to bankruptcy. Because of this, many creditors are relieved to become obtaining anything around the credit card financial debt considerably than next to absolutely nothing. That can occur rapidly need to a borrower declare personal bankruptcy.

Finding a Negotiator

Bank card financial debt negotiators know how to tactic loan companies along with other collectors. They have an in-depth know-how of monetary markets, economic developments, and the fluctuation of curiosity costs and currencies. This information can be priceless when it arrive to negotiating a financial debt settlement. Also, just following preliminary negotiations, the negotiator will be prepared to provide you the overcome shopper as to their rights and option pertaining towards the bank card financial debt.

Payment Due to

As soon as all of the negotiations have taken region, and this could obtain weeks, particularly if you have much more than 1 or two creditors with whom you're making an attempt to get rid of credit card debt, the payments will be created towards the negotiator and he or she will maintain track the conditions they have negotiated are kept. The debtor will finish up performing one specific cost-effective payment the moment a month, to 1 specific location, at one rate of interest.

Money Making Secrets

While some NBA players are looking to gain employment overseas during the lockout, Dwyane has an offer to stay home and work the drive-thru window at KFC.

The offer: one day of work at a local KFC in exchange for a donation in Wade’s name to KFC’s Colonel’s Scholars scholarship fund.

The donation will total $250,000, according to CBS Sports.

On June 30, Wade tweeted, “Any1 hiring?” And, “I’m available for all bar and bat mitzvah and weddings..but my specialty is balloon animals.”

KFC responded with an open letter from its GM:

Dear Dwyane Wade,

We couldn’t help but notice your recent tweet about looking for a new line of work in light of the lockout. We’re always looking for folks with precisely your qualifications — initiative, teamwork and the ability to make buckets in a hurry.

We’ve always been proud to call you a former KFC employee and, it goes without saying we’d love to have you back on our team dishing out the World’s Best Chicken, like you dish out assists on the court.

Our offer: Come serve as an honorary captain at a local KFC drive-thru window. And, while we can’t match your most recent salary, we’ll honor your KFC service by making a donation in your name to Colonel’s Scholars, a charity providing young people with much needed college scholarships, if you accept. How’s that for a slam dunk?

So let us know if you’re ready to suit up for our squad (as you’ll remember, we’ve got some pretty cool uniforms). Our original coach, the legendary Colonel Sanders, knew a thing or two about buckets. And who knows, if you make a KFC-team comeback, we might just share some of his secrets with you.
We’ll keep your headset waiting.

Sincerely,
John Cywinski
General Manager, KFC U.S.

Source: CBS Sports

Investing legend Paul Merriman, shares the lessons learned and secrets discovered over more than 40 years as one of the world’s leading investment professionals.

John Nyaradi:

Hi, everyone, I’m John Nyaradi, publisher of Wall Street Sector Selector, a financial media site specializing in exchange traded funds and global financial and economic analysis. Today, I’m pleased to welcome our special guest, Paul Merriman. Paul, welcome to Wall Street Sector Selector.

Paul Merriman:

Thanks John, it’s great to be with you.

John Nyaradi:

Paul is one of the true giants of the investing and financial management business. He is founder of Merriman Incorporated, an investment advisory firm based in Seattle, Washington, that manages approximately $1.6 billion for thousands of families across the country.

Paul is a widely respected expert on mutual fund investing. He’s editor of the FundAdvice.com website and his podcast, “Sound Investing,” was named the best podcast in 2008 by Money Magazine. He’s author of a highly acclaimed book, “Live it Up Without Outliving Your Money: Getting the Most from Your Investments in Retirement,” by John Wiley and Sons and is widely quoted in major financial magazines and media.

Paul, let’s start out with your company’s motto, “Invest wisely and live fully.” I like that a lot. Can you give us a sense of what you mean by that, “Invest wisely and live fully?” How do you do that for people?

Paul Merriman:

My view of investing wisely is simply to do the smart, savvy things with our money to maximize our return without getting greedy. And I think one of the wisest things we can do is to invest within our risk limits. Investing wisely also means minimizing expenses and taxes. We believe in massive diversification. We believe that the more stocks you have in the portfolio, the better you will do, not the more average you will be.

The live fully aspect means that not only do you have enough money but that you are also able to enjoy it. Too many people have way more money than they need but find it difficult to enjoy it.

I just spoke with a client who’s down in Mexico. He’s been a client for over 20 years, and I know he’s got more money than he needs. He wants to buy a second house in Mexico. He must have talked to me five times about whether the purchase makes sense. And every time I spoke with him, his burning question was, “Now Paul, are you sure we have enough?” We convinced him, yes, he does have enough…and he’s making the offer, closing the deal, and that is what we think living fully is. Not just having enough, but feeling secure so you can spend it and enjoy it.

John Nyaradi:

That’s got to be a rewarding work especially in today’s environment after the post crash environment we’re in and the pain everybody went through.

Paul Merriman:

John, would you mind if I comment on what you just said?

John Nyaradi:

Please, go ahead.

Paul Merriman:

A lot of people complain about the emotional and financial pain of the 2007-2009 bear market. I think the problem was compounded by going through two big bear markets in 10 years, each of them about the same as the 73-74 decline. That much pain without an extended bull market in between is hard for people to digest and build confidence in the market. It has been one hell of a 10 year period.

John Nyaradi:

Yes, it really has been…you’re a unique animal, Paul, I think, because people tend to be either buy-and-hold people or market timing people, but you do both in your portfolios. I’ve read about what you call “the ultimate buy and hold strategy,” could you give us a little insight into that?

Paul Merriman:

Well, “the ultimate buy and hold strategy” is the title of one of my favorite articles to help people build a better buy and hold portfolio. The term “ultimate,” sounds like a big promise, but it simply means it’s the best I’ve been able to find.

As you know there are thousands of ways to build a portfolio using different asset classes. What we’re looking for are asset classes that have an absolute record of success, and a record of high units of return per unit of risk.

Now, obviously, I can’t know, nor do I try to predict, the future. But what I do have is 80 plus years of evidence that these asset classes have produced great returns. Sure, they don’t go up all the time, but not a one of them has ever failed. Not one has declared bankruptcy. Not one has ever experienced a permanent bear market.

John Nyaradi:

Right.

Paul Merriman:

All of these asset classes qualify as being survivors on a long term basis. So once we determine which asset classes qualify to be in the portfolio we have to decide how much we should invest in each one. I have tried to make that easy by giving people exact percentages in each asset class and funds that offer those asset classes.

John Nyaradi:

I think you said at one point that the choice of those assets is responsible for 95% of your return. How do you fine tune these allocations?

Paul Merriman:

For over 15 years we have recommended a very simple equity allocation. Half U.S., half international, half large, half small, half value and half growth. The equity part also includes REITS and emerging market asset classes.

Then it’s simply a matter of finding the right balance of fixed income to go along with exposure to the equity asset classes. I find most investors are unwilling to accept the risk of an all equity portfolio so we need to find the right balance of fixed income that produces the needed return within the risk limits of each investor. I am always looking for the combination that will produce peace of mind with a reasonable piece of the action.

John Nyaradi:

Sure.

Paul Merriman:

I’ve tried to help investors by building a tabIe of many combinations of fixed income and equity asset classes. The table is in, “Fine Tuning Your Asset Allocation,” at Fundadvice.com. And John, all my work comes with a guarantee. I guarantee if you follow my advice, you will lose money. That’s not the guarantee investors want to hear, but it’s the reality of any risk oriented investment.

John Nyaradi:

Sure.

Paul Merriman:

We should all know what level of risk we’re taking. And I don’t mean some generic risk that is indefinable. I’m looking for a number. The table covers over 40 years of data. It gives an investor a real time relationship between risk and return. If you’re willing to lose 5% to 50% of your money the table shows the likely return you will get over the long run.

John Nyaradi:

Could you talk a little about the market timing in your portfolios?

Paul Merriman:

To start with, I want to make sure that your audience understands that I’m not advocating timing over buy and hold. I know buy-and-hold is a lot easier emotionally. And it’s also a lot more tax efficient.

But there are a lot of people who will simply not accept the idea of holding equities without an exit strategy. Some advisors will tell investors, “You’ve got 50% of your money in bonds so why should you worry about stocks going down? They always come back.” And the investor’s response is, “Hey listen. This is my money, buddy, and I don’t want to sit and watch it decline without some way of protecting it.”

It’s really the catastrophic decline that most people are worried about, and so we use timing with almost the same view philosophically as we use for buy-and-hold. We market time funds in dozens of asset classes. We market time equity funds as well as bond funds. Each account is built to the same risk tolerance test as the buy and hold investors.

Most of the timing we do uses traditional trend following strategies. We never predict where the market is going, only follow the trends. A lot of timing critics think market timers are trying to predict the future. We believe there are trends and they stay in place one way or the other for long periods of time. Those trends can make you decent money on the upside but the most important work is protecting against some terrible losses on the downside.

John Nyaradi:

I hear the word “risk” over and over in our conversation. In your list of 18 mistakes people make, I thought it was really interesting that mistake number 3 is taking too much risk, and mistake number 4 is taking too little risk. That sounds like a conflict.

Paul Merriman:

Well, too much risk is normally a challenge for people who are over confident and think they have more control over their investments than they do. Also, people who take too much risk are not aware how much risk they need to take. If you found out that you could achieve all your financial goals with half as much risk as you’re taking right now, I’d have to challenge you to why are you taking all of that risk?

John Nyaradi:

Sure.

Paul Merriman:

For some the higher risk comes because the investor thinks their friend appears to doing better than they are. By the way, I’ve yet to find an honest amateur investor when it comes to reporting returns. And so we have to be so careful what our benchmark is and how we measure our success.

But then people can also be scared to death of almost any risk. I’ve met people with 10% of their portfolio in stocks, and when they’re down during a bad bear market, they jump to the conclusion that it’s happening to their whole portfolio.

I know it doesn’t sound reasonable to feel that way, but that’s the way a lot of peoples’ minds work. They hate losing money. The fascinating part is if we can just get those people to commit 20 or 30% of their money to stocks, they can literally double their return in retirement. Just a little bit of additional risk. They don’t have to go 50% or 60%. Just to get up to 20%, or 30% can make a huge, huge difference.

John Nyaradi:

Paul, we’re taking in July, 2011, and looking ahead over the next few months, what do you see is the biggest dangers for us as retail investors and the biggest opportunities?

Paul Merriman:

Well, it looks to me like the last 45 years. I have been a chicken for as long as I’ve been in the investment business. I call myself an aggressive chicken, but a chicken nonetheless.

But the fact is there’s always list A, the good news and there’s always list B, the bad news. Both of those lists exist at all times. I have always tended to look at the bad list and to be cautious, so I’ve probably been more defensive as an investor than I needed to be. But what I really worry about is not about me because I have found 100% peace of mind with my investments. I’ve saved enough that I can quit working anytime and have plenty of income in retirement. So that worry is behind me.

John Nyaradi:

Sure.

Paul Merriman:

But here’s what I worry about. I worry that people who have learned the right things, the smart things, the wise things about investing will somehow get spooked by the market and either jump to some ultra safe situation, and as you know, typically at the wrong time, they’ll be enticed into putting their money into something like a guaranteed equity index annuity or some other terrible security that will cost a fortune in fees and be difficult or expensive to liquidate.

John Nyaradi:

Well, folks, it has been a real honor today to have been talking with one of the real giants of the industry, Paul Merriman, founder of Merriman Incorporated in Seattle, Washington and editor of FundAdvice.com. To learn more about Paul and his work, just follow the link at the end of this interview, and that will take you to his website, Merriman.com.

Paul, thanks so much for joining us and we’re all looking forward to talking with you again soon.

Paul Merriman:

Thank you, John, very, very much.

Visit Merriman Incorporated.

 

(This interview edited for length and clarity)

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<b>News</b> In Brief: Life - Science <b>News</b>

Flowery advertising, tempting toilets for shrews, bat beacons and more in this week's news.

<b>News</b> In Brief: Life - Science <b>News</b>

Great <b>news</b>: Service industry now slowing down, too « Hot Air

Great news: Service industry now slowing down, too.

Great <b>news</b>: Service industry now slowing down, too « Hot Air

CBS <b>News</b> Executives Speak Out on License Fees, Dan Rather at TCA <b>...</b>

CBS News Executives Speak Out on License Fees, Dan Rather at TCA.

CBS <b>News</b> Executives Speak Out on License Fees, Dan Rather at TCA <b>...</b>

foreclosure search

No one sane.

On a somewhat related note:

NO. THERE’S NO LIFE AT MERS

 

Mortgage Electronic Registration Systems, Inc (MERS) has a very long history. The beginning stages have remained a mystery until now.

In 1989, Brian Hershkowitz developed the “Whole Loan Book Entry” concept while serving as a director for the Mortgage Bankers Association (MBA). In 1990, he first introduced this concept to seven different industry group; Document Custodian, Originators, Servicers, Title Insurers, County Recorders, Government Sponsored Enterprises (GSE’s) and Warehouse/Interim Lenders. The reception was very positive and it was viewed as a very useful recording system to be used for how equity and debt securities could be identified and managed.

In 1991, Mr. Hershkowtiz published Farming It Out in Mortgage Banking Magazine. His main discussion in this article is primarily about getting the opinion of the experts in the technology outsourcing service industry. In 1992, Mr. Hershkowitz published another article called Cutting Edge Solutions in Mortgage Banking Magazine. In this particular article he mentions the actual meeting that took place at the Mortgage Bankers Association of America (MBA) headquarters with many key players that are known today as some of MERSCORP’s shareholders, such as, Fannie Mae and Freddie Mac. In this meeting they discussed a “System” that will bring changes in mortgage records.

Mr. Hershkowitz went on to become President and COO of LandSafe Credit, a leading settlement service provider that was a subsidiary of Countrywide. Mr. Hershkowitz also spent several years serving Countrywide in the areas of strategic planning and executive management.

In 2001, Mr. Hershkowitz became Executive Vice President at Fidelity National Information Services (FNIS) and President of its mortgage and information services division. His responsibilities included management of the Company’s data offerings, including public records information, credit reporting information, flood hazard compliance data, real estate tax information and collateral valuation services. He left FNIS in November of 2006 to become Chief Executive Officer of Maximum Value Group, a consulting firm focused on providing advice to private equity and other market participants in the area of banking and mortgages.

ENTER THE X-FILES

MERS has evolved into a totally different purpose today.

Mortgage Electronic Registration Systems, Inc. is a wholly owned subsidiary of MERSCORP Inc., located at 1595 Spring Hill Rd Ste 310 Vienna, VA 22182.

MERS was founded by the mortgage industry. MERS tracks “changes” in the ownership of the beneficial and servicing interests of mortgage loans as they are bought and sold among MERS members or others. Simultaneously, MERS acts as the “mortgagee” of record in a “nominee” capacity (a form of agency) for the beneficial owners of these loans.

To ensure widespread acceptance within the industry, MERS sought to have security instruments modified to contain MERS as the original mortgagee (MOM) language. MERS began to change decades of business practices after the two biggest mortgage funders in the U.S. the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Ferderal National Mortgage Association (Fannie Mae) modified their Uniform Security Instruments to include MOM language. Their approval opened the doors to incorporate MERS into loans at origination.

Soon after, U.S. government agencies like the Veterans Administration, Federal Housing administration and Government National Mortgage Association (Ginne Mae), and several state housing agencies followed both Fannie/Freddie to approve MERS.

More than 60 percent of all newly-originated mortgages are registered in MERS. Its mission is to register every mortgage loan in the United States on the MERS System. Since 1997, more than 65 million home mortgages have been assigned a Mortgage Identification Number (MIN) and have been registered on the MERS System.

The mortgage-backed security (MBS) sector tested the viability of MERS because a substantial number of mortgages are securitized in the secondary market. In February 1999, Lehman Brothers was the first company to include MERS registered loans in a MBS.

Moody’s Investor Service issued an independent Structured Finance special report  on MERS and it’s impact of MBS transactions and found that where the securitzer used MERS, new assignments of mortgages to the trustee of MBS transactions were not necessary.

Since MERS is a privately owned data system and not public, all mortgages and assignments must be recorded in order to perfect a lien. Since they failed to record assignments when these loans often traded ownership several times before any assignment was created, the legal issue is apparent. MERS may have destroyed the public land records by breaking the chain of title to millions of homes.

IN MERS CEO’S OWN WORDS

In or around the summer of 1997, MERSCORP President and CEO R.K. Arnold wrote, “Yes, There is life on MERS” Mr. Arnold stated, “Some county recorders have expressed concerns that MERS will eliminate their offices nationwide or destroy the public land records by breaking the chain of title. As implemented, MERS will not create a break in the chain of title, and, because MERS is premised on an assignment recorded in the public land records, MERS cannot work without county recorders.”

In this same article Mr. Arnold also states “The sheer volume of transfers between servicing companies and the resulting need to record assignments caused a heavy drag on the secondary market. Loan servicing can trade several times before even the first assignment in a chain is recorded, leaving the public land records clogged with unnecessary assignments. Sometimes these assignments are recorded in the wrong sequence, clouding title to the property”. Mr. Arnold never mentions the fact that the mortgage notes have been securitized, thereby becoming “negotiable securities” under the Uniform Commercial Code.

In an interview for The New York Times, Mr. Arnold said, “that his company had benefited not only banks, but also millions of borrowers who could not have obtained loans without the money-saving efficiencies MERS brought to the mortgage trade.”

Mr. Arnold went on to say that, ” far from posing a hurdle for homeowners, MERS had helped reduce mortgage fraud and imposed order on a sprawling industry where, in the past, lenders might have gone out of business and left no contact information for borrowers seeking assistance.”

“We’re not this big bad animal,” Mr. Arnold said. “This crisis that we’ve had in the mortgage business would have been a lot worse without MERS.”

Unfortunately, even a simple search in the Florida Land Records proves the opposite to be the case. Researchers have  easily found affidavits of lost assignments actually stating, “the said mortgage was assigned to Mortgage Electronic Registration Systems, Inc., from “XXXXXXX”, the original of the said assignment to Mortgage Electronic Registration Systems, Inc., was lost, misplaced or destroyed before same could be placed of record with the Florida Land Records County Clerk’s office; That, “XXXXXXX”, it’s successors and/or assignee is no longer in business/or do not respond to our request for a duplicate assignment, and therefore, a duplicate original of said assignment cannot be obtained.”

According to affidavits such as these, not only have the borrowers lost contact with the lenders, but the same is true that MERS did as well.

On September 25, 2009, Mr. R.K. Arnold was deposed in Alabama. Mr. Arnold admitted MERS does not have a beneficial interest in any loan, does not loan money and does not suffer a default if monies are not paid. On November 11, 2009, William C. Hultman was deposed in Alabama and made the same admissions.

Yet again, researchers have easily located affidavits recorded in the Florida Land Records stating “That said Deed of Trust has not been assigned to any other party and that MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, Inc. is the current holder and owner of the Note and Deed of Trust in question.”

NO. THERE’S NO LIFE AT MERS

Aside from not recording assignments, Mr. Arnold failed to mention that the certifying officers given authority to execute sensitive loan documents would not be paid employees of MERS. This raises the critical legal question as to how one can act as a certified officer and execute any equitable interest on behalf of any security instruments without being an employee of MERS.

On April 7, 2010, in the Superior Court of New Jersey, MERS Treasurer and Secretary William C. Hultman gave an oral sworn video/telephone deposition in the case of Bank Of New York v. Ukpe.:

Q Do the assistant secretaries — first off, are
you a salaried employee of MERS?
A No.

Q Are you a salaried employee of MERS Corp,
Inc.?
A Yes.

Q Are any of the employees of MERS, Inc.
salaried employees?
A I don’t understand your question.

Q Does anyone get a paycheck, if they are an
employee of MERS, Inc., do they get a paycheck from
Mercer, Inc.?
A There is no MERS, Inc.

Q I thought, sir, there’s a company that was
formed January 1, 1999, Mortgage Electronic Registration
Systems, Inc. Does it have paid employees?
A No, it does not.

Q Does it have employees?
A No.

Q Does MERS have any employees?
A Did they ever have any? I couldn’t hear you.

Q Does MERS have any employees currently?
A No.

Q In the last five years has MERS had any
employees?
A No.

<SNIP>

Q How many assistant secretaries have you
appointed pursuant to the April 9, 1998 resolution; how
many assistant secretaries of MERS have you appointed?
A I don’t know that number.

Q Approximately?
A I wouldn’t even begin to be able to tell you
right now.

Q Is it in the thousands?
A Yes.

Q Have you been doing this all around the
country in every state in the country?
A Yes.

Q And all these officers I understand are unpaid
officers of MERS?
A Yes.

Q And there’s no live person who is an employee
of MERS that they report to, is that correct, who is an employee?
A There are no employees of MERS.

If so, how does anyone have any authority to sign security instruments encumbered by any loan documents, if these certifying officers are not paid employees and never attend corporate meetings in the capacity as Vice President, Assistant Secretary, etc. with Mortgage Electronic Registration System, Inc.?

COURTS FIND ISSUES WITH MERS

Federal and state judges across America are realizing that the mortgage industry’s nominee is backfiring.

Nevada’s Clark County coroner’s office determined he had committed suicide and identified his remains using dental records.

Detectives say they were originally from the Czech Republic and went missing June 12 from their Canyon Country home.

After Renata Klein’s body was discovered, sheriff’s homicide detectives continued to search for her husband and called him a person of interest in his wife’s slaying.

The family’s 1999 Jeep Grand Cherokee was discovered in 2700 block of E. Lake Mead Boulevard in North Las Vegas, about a mile north of the Las Vegas strip.

The Kleins’ Santa Clarita home was in foreclosure before their disappearance and investigators believe that may have been the motive for the slaying.

“The couple disappeared the day before they were due to be evicted from the home," said L.A. County Sheriff's Lt. Jon Corina.

When the family truck was discovered Sunday in Las Vegas, its license plate and VIN numbers had been removed, making it difficult to trace it back to the family.

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-- Richard Winton

Photos: Dusan Klein, left, Renata Klein. Credit: Los Angeles County Sheriff's Department.

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