Wednesday, October 20, 2010

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The pitch for White Collar Brawler — that it’s some sort of real-life Fight Club — is one of the rare pitches that does, almost, match with the subject matter. The nonfiction tale of two friends who quit their office jobs to devote themselves to boxing isn’t nearly as anti-establishment as David Fincher’s seminal film, however, as their new devotion to training isn’t a gateway to further mayhem. It’s their escape, pure and simple.





The series, which debuted on Tuesday, was created by, and features, Kai Hasson and Nate Houghteling, with Jason Cohn directing and production company Portal A putting everything together. The first episode sets up the premise without giving us a lot of time to get to know Hasson and Houghteling, as so much of the episode is devoted to set-up. But the pair are likable and fun on camera, and seem to genuinely take this commitment seriously. It’s something their trainer Angelo Merino recognizes immediately. Merino is unfortunately stiff and uncomfortable in interview segments, but during training sessions, he’s tough and wise.



To emphasize the reality of the show, which promises a quick turnaround of episodes (Episode One was filmed just last week), the accompanying site includes a public Google calendar listing Hasson and Houghteling’s training schedule, ostensibly meaning that if you live in the San Francisco area, you could join up with the guys for a 7:00 a.m. beach run or weights session.



The show is being distributed through Next New Networks’ Creators Program; according to Zach Blume, Portal A’s director of business development and marketing, NNN execs Kathleen Grace and Ben Relles were already Portal A fans before the company began working on Brawler, and followed the show’s development accordingly.



In a slight departure from NNN’s other Next New Creators shows, Brawler uses the Blip.tv player on its site as opposed to YouTube, which is what NNC series typically use. Blume said via email that “In our negotiations with both Blip and NNN, it was made clear to us by both Steve [Woolf, of Blip.tv] and Kathleen that the two could work together harmoniously and that there was no conflict in using Blip on our site while also putting the video on YouTube for Next New’s promotion.” The first episode of White Collar Brawler has so far received only 144 views on YouTube.



Brawler is best described as non-fiction because of how it blends genres within that realm. The filmmaking style is so pretty it’s almost unnecessary, with lush cinematography that captures the gray San Francisco climate, and uses that color palette to give context to the corporate life being escaped. The feel in general proves very documentary-like in nature. However, the twist at the end of Episode One, in which Merino reveals that Hasson and Houghteling will have to fight each other eventually, reveals how much the show’s structure owes to reality TV.



How do Hasson and Houghteling not know about that twist, despite the fact that they’re credited as the creators, writers and producers of the series? According to Blume, the initial idea that the two fight each other came from Merino, who suggested it to the director; Hasson and Houghteling were asked to approve the decision after the fact. Hasson and Houghteling had no idea during the filming of the first episode that they’d eventually be fighting each other; in Episode Two, which comes out Friday morning, they’ll deal with the revelation and how it changes the dynamic of their training. Now it’s a competition; soon, there will be a showdown.



Related GigaOm Pro Content (subscription required):



By The Numbers: Budget Analysis of a Web Series



Monetizing the Social Web Isn’t One Size Fits All



Shattering the Fourth Wall To Find Web Audiences



Religion takes many forms on Facebook. There’s a Page for The Bible, with more than 4.5 million Likes. Religious leaders are gaining lots of fans, for example the Dalai Lama’s 913,200. Places of worship have their own Pages, as do important buildings such as the Support Al-Aqsa Mosque Page, with 15,200 Likes. There are also some popular applications — The God Wants You to Know app has around 2 million monthly active users, for example. Religious Facebook ads have also appeared, like Pray for an Atheist, which advertised to get people to pray for atheists to convert to Christianity.



This isn’t surprising. After all, religions have always engaged in some form of social networking. Yet, even as companies, non-profits, celebrities and everyone else has started using Pages, ads, apps and other features to reach Facebook users, many religious groups we’ve spoken to haven’t committed to the same degree. In some cases, they may believe that Facebook is not the most appropriate venue for their faith; in other cases, they simply haven’t had the resources or focus.


So here’s our look.


Buddhism


We looked at the Pages of a handful of Buddhist centers and spoke with a member of the Diamond Way Buddhist Center in Seattle with 203 Likes and a core membership of about 10 people. We also looked at the Indiana Buddhist Center in Indianapolis with 966 Likes, the Buddhist Center Lubbock Texas with 85 Likes and the Gar Drolma Buddhist Center in Dayton, Ohio with 308 Likes.


These Pages seemed to serve primarily as hubs for information — location, hours, special events, etc. — but were also used to seek volunteers, donations, ask questions about programming, provide special prayers/speeches/information and showcase photos. In the case of the Indiana Buddhist center, the Page was used heavily in a variety of ways to promote a visit from the Dalai Lama recently, including events, photos, status updates, posts (from admins and fans) and comments.



Facebook is the modern-day flyer, said Daria Novoselova, a former member of Seattle’s Diamond Way Buddhist Center by way of describing the center’s use of Facebook; the center only adds info already available on the web site. Facebook serves as a way for the center to “be available so whoever is looking for us can find us,” noting that the idea is not to recruit per se, but “make ourselves available.” The Page was created by a young member earlier this year who thought it would be good promotion, and when response was positive, Novoselova said the Center decided to continue to develop its Facebook presence — despite some ways it might clash with their beliefs.


Facebook ads serve as one example of this clash, Novoselova explains; if for example a photo of a teacher appeared on the stream next to an ad for casual dating. Another drawback is trying to maintain doctrine in an egalitarian space where people can post anything they please. “We’re a big organization and we have a lot of people with different ideas, sometimes people post things that are not appropriate,” she said. “But, at the same time, it’s a means of communication. It used to be phone books, it used to be fliers and now it’s mainly the Internet.”


Christianity


In the U.S., Christian churches were the most numerous type of religious institution on Facebook. We looked at a variety of Christian organizations for this story: non-denominational Calvary Church in Grand Rapids, Mich. with 870 Likes and a congregation of about 4,000 people, likewise non-denominational Savannah Christian Church in Georgia with 2,800 Likes, the Episcopal Diocese of Virginia in Richmond with 1,300 Likes and the Roman Catholic Diocese of Austin, Texas with more than 2,300 Likes.



Pages included social- and worship-related events posted on the Wall, photos, calls for charity and volunteerism. Retreats, conferences and in the case of the Diocese of Austin, daily mass readings provided a good mix of social and religious information on the Wall. Feedback from fans tended to be positive. These Pages also served to promote church leaders and their thoughts on doctrine. The Pope in the case of the Catholic church makes for a good example, like this April 30 status update: “Pope Benedict has approved the new Roman Missal.” Or, this April 4 status update from the Episcopal Diocese:  “View a video Easter message from Bishop Johnston.”


Sara Merrill from the Calvary Church said the organization’s arrival to Facebook in December was meant to meet congregants where they already were, via both a group and Page, and this summer she plans to promote Facebook even more. “People are using this tool anyway, if the church is absent from that, then we’re missing out on what is a big part of peoples’ lives these days — and we need to be engaging them on every avenue they’re on,” Merrill tells us.



The church has three main goals with Facebook:  foster community, support spiritual growth and conduct outreach. This had been happening on Facebook prior to the church’s Page, especially with young people involved in youth groups. Thus far the reaction has been positive, Merrill tells us, people have told her they like seeing Calvary Church pop up in their news feed in the middle of the week. The church hopes Facebook will help congregants engage around events. Calvary Church’s foray into Facebook is exemplary of many Pages we saw because while Merrill says the church wants to develop use of social media, its strategy to do so is via creating more content for its web site, then linking to it on Facebook.


This simultaneous embrace of Facebook’s technology and confusion over how, exactly, to best implement a social media strategy was present, in different degrees, with each group we spoke to.


Judaism


Jewish temples used Facebook to promote events within their temples and synagogues by sharing photos, asking for prayers on the Walls, announcing services, promoting Twitter accounts and generally encouraging participation.


We looked at the Temple Beth-El in Northbrook, Ill. with 166 Likes, Beth Simchat Yeshua Messianic Jewish Synagogue in Dayton, Ohio with 250 Likes, the Westchester Reform Temple in Scarsdale, New York with 478 Likes, the Jewish Federation of South Palm Beach County in Florida with 391 Likes and the 750-member Temple Beth-El in St. Petersburg, Fla. with 138 Likes, whose Rabbi Michael Torop talked to Inside Facebook about the temple’s experiences with social media.


“We are very open and embracing of new technologies and whatever they might have to offer us as a tool to creating community — not replacing it,” Torop tells us. “We’re looking for additional mechanisms to connect with members. The downside is that we want to make sure that, whatever we do as far as our Facebook presence or web presence, is something that does not become a virtual world community, or a replacement.” Temple Beth-El’s Page incorporates lots of photos from trips to New York City or Israel, information about Temple functions, as well as articles posted by Torop of what to do with leftover matzo or about the Hewbrew language.



His own personal profile counts 300-plus friends and includes information about Temple activities. The Page and a group for the Temple grew out of activity from Torop’s profile, and he says Temple youth are particularly more likely to interact via Facebook. The Temple’s Page launched in January as a means to “encourage people to show a greater interest and take part in the life of the congregation” and has since become a good way to promote events and send communications (as opposed to email). Currently it’s Torop who administers the Page, which he says has served as an interesting experiment to link to albums and calendars both on Facebook and the site.


The Temple also had an interesting experiment with Facebook ads. To promote its annual participation in the Martin Luther King, Jr. Parade earlier this year the Temple invested $24 that rendered 216,399 impressions over four days, 50 clicks and 7 people who confirmed their parade attendance. The parade wasn’t bigger than usual, but Torop tells us it was intriguing to receive so much traffic for such a small sum.


Islam


Facebook Pages seemed to be particularly important to Muslims to reaffirm their faith, at least on the Pages we reviewed. There didn’t appear to be as many mosques as churches on Facebook, but this may be due to a language barrier as we searched in English and Islam isn’t the dominant religion in the U.S. But on the Pages of mosques we did find there was a strong reaffirmation of faith taking place on the Walls, as well as interaction with the mosque’s community. For example, the Mosque That Survived the Tsunami Page (presumably the 2004 Indian Ocean tsunami) has more than 5,200 Likes and people often reaffirm their faith by praising Allah, usually with a prompt such as a status update. A similar pattern emerged on the Mosque Okba Ibn Nafaa Page, with more than 6,800 Likes, celebrating an important mosque in Kairouan, Tunisia.



For reference, community mosques in London and Singapore also had Pages that reflected their communities. The East London Mosque with about 6,400 Likes has a Page where people share values and religious comments on the Wall, inquire about  religious services and are apolitically encouraged to vote. Singapore’s AlKhair Mosque with about 2,000 Likes also serves as a hub for people to ask about services, share photos/religious ideas and receive information about events, as well as participate in numerous photo albums documenting mosque activities.


Searching for “Islam” on Facebook does yield a number of mosques of the Nation of Islam, including: the Phoenix, Ariz. Muhammad Mosque No. 32 with about 1,000 Likes, Muhammad Mosque No. 15 in Atlanta, Ga. with 1,500 Likes and Muhammad’s Mosque No. 11 in Boston, Mass. with 1,200. Pages promote similar institutional information, such as speeches by leaders like Louis Farrakhan, in addition to information about community and political events, resources and Twitter accounts. Several Pages also included photos and videos produced by members who are mosque administrators.


Protocol Director Hannibal Muhammad, 26, tells us that since the Page’s launch, Facebook has figured prominently in several initiatives. Facebook facilitates networking with other mosques, disseminates mosque information, as well as assists in fundraising, education and organizing events, he says. About half of the congregation has Liked the mosque’s Page so far, he says, and Facebook has given the mosque more freedom and reach than it had with its web site.



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The pitch for White Collar Brawler — that it’s some sort of real-life Fight Club — is one of the rare pitches that does, almost, match with the subject matter. The nonfiction tale of two friends who quit their office jobs to devote themselves to boxing isn’t nearly as anti-establishment as David Fincher’s seminal film, however, as their new devotion to training isn’t a gateway to further mayhem. It’s their escape, pure and simple.





The series, which debuted on Tuesday, was created by, and features, Kai Hasson and Nate Houghteling, with Jason Cohn directing and production company Portal A putting everything together. The first episode sets up the premise without giving us a lot of time to get to know Hasson and Houghteling, as so much of the episode is devoted to set-up. But the pair are likable and fun on camera, and seem to genuinely take this commitment seriously. It’s something their trainer Angelo Merino recognizes immediately. Merino is unfortunately stiff and uncomfortable in interview segments, but during training sessions, he’s tough and wise.



To emphasize the reality of the show, which promises a quick turnaround of episodes (Episode One was filmed just last week), the accompanying site includes a public Google calendar listing Hasson and Houghteling’s training schedule, ostensibly meaning that if you live in the San Francisco area, you could join up with the guys for a 7:00 a.m. beach run or weights session.



The show is being distributed through Next New Networks’ Creators Program; according to Zach Blume, Portal A’s director of business development and marketing, NNN execs Kathleen Grace and Ben Relles were already Portal A fans before the company began working on Brawler, and followed the show’s development accordingly.



In a slight departure from NNN’s other Next New Creators shows, Brawler uses the Blip.tv player on its site as opposed to YouTube, which is what NNC series typically use. Blume said via email that “In our negotiations with both Blip and NNN, it was made clear to us by both Steve [Woolf, of Blip.tv] and Kathleen that the two could work together harmoniously and that there was no conflict in using Blip on our site while also putting the video on YouTube for Next New’s promotion.” The first episode of White Collar Brawler has so far received only 144 views on YouTube.



Brawler is best described as non-fiction because of how it blends genres within that realm. The filmmaking style is so pretty it’s almost unnecessary, with lush cinematography that captures the gray San Francisco climate, and uses that color palette to give context to the corporate life being escaped. The feel in general proves very documentary-like in nature. However, the twist at the end of Episode One, in which Merino reveals that Hasson and Houghteling will have to fight each other eventually, reveals how much the show’s structure owes to reality TV.



How do Hasson and Houghteling not know about that twist, despite the fact that they’re credited as the creators, writers and producers of the series? According to Blume, the initial idea that the two fight each other came from Merino, who suggested it to the director; Hasson and Houghteling were asked to approve the decision after the fact. Hasson and Houghteling had no idea during the filming of the first episode that they’d eventually be fighting each other; in Episode Two, which comes out Friday morning, they’ll deal with the revelation and how it changes the dynamic of their training. Now it’s a competition; soon, there will be a showdown.



Related GigaOm Pro Content (subscription required):



By The Numbers: Budget Analysis of a Web Series



Monetizing the Social Web Isn’t One Size Fits All



Shattering the Fourth Wall To Find Web Audiences



Religion takes many forms on Facebook. There’s a Page for The Bible, with more than 4.5 million Likes. Religious leaders are gaining lots of fans, for example the Dalai Lama’s 913,200. Places of worship have their own Pages, as do important buildings such as the Support Al-Aqsa Mosque Page, with 15,200 Likes. There are also some popular applications — The God Wants You to Know app has around 2 million monthly active users, for example. Religious Facebook ads have also appeared, like Pray for an Atheist, which advertised to get people to pray for atheists to convert to Christianity.



This isn’t surprising. After all, religions have always engaged in some form of social networking. Yet, even as companies, non-profits, celebrities and everyone else has started using Pages, ads, apps and other features to reach Facebook users, many religious groups we’ve spoken to haven’t committed to the same degree. In some cases, they may believe that Facebook is not the most appropriate venue for their faith; in other cases, they simply haven’t had the resources or focus.


So here’s our look.


Buddhism


We looked at the Pages of a handful of Buddhist centers and spoke with a member of the Diamond Way Buddhist Center in Seattle with 203 Likes and a core membership of about 10 people. We also looked at the Indiana Buddhist Center in Indianapolis with 966 Likes, the Buddhist Center Lubbock Texas with 85 Likes and the Gar Drolma Buddhist Center in Dayton, Ohio with 308 Likes.


These Pages seemed to serve primarily as hubs for information — location, hours, special events, etc. — but were also used to seek volunteers, donations, ask questions about programming, provide special prayers/speeches/information and showcase photos. In the case of the Indiana Buddhist center, the Page was used heavily in a variety of ways to promote a visit from the Dalai Lama recently, including events, photos, status updates, posts (from admins and fans) and comments.



Facebook is the modern-day flyer, said Daria Novoselova, a former member of Seattle’s Diamond Way Buddhist Center by way of describing the center’s use of Facebook; the center only adds info already available on the web site. Facebook serves as a way for the center to “be available so whoever is looking for us can find us,” noting that the idea is not to recruit per se, but “make ourselves available.” The Page was created by a young member earlier this year who thought it would be good promotion, and when response was positive, Novoselova said the Center decided to continue to develop its Facebook presence — despite some ways it might clash with their beliefs.


Facebook ads serve as one example of this clash, Novoselova explains; if for example a photo of a teacher appeared on the stream next to an ad for casual dating. Another drawback is trying to maintain doctrine in an egalitarian space where people can post anything they please. “We’re a big organization and we have a lot of people with different ideas, sometimes people post things that are not appropriate,” she said. “But, at the same time, it’s a means of communication. It used to be phone books, it used to be fliers and now it’s mainly the Internet.”


Christianity


In the U.S., Christian churches were the most numerous type of religious institution on Facebook. We looked at a variety of Christian organizations for this story: non-denominational Calvary Church in Grand Rapids, Mich. with 870 Likes and a congregation of about 4,000 people, likewise non-denominational Savannah Christian Church in Georgia with 2,800 Likes, the Episcopal Diocese of Virginia in Richmond with 1,300 Likes and the Roman Catholic Diocese of Austin, Texas with more than 2,300 Likes.



Pages included social- and worship-related events posted on the Wall, photos, calls for charity and volunteerism. Retreats, conferences and in the case of the Diocese of Austin, daily mass readings provided a good mix of social and religious information on the Wall. Feedback from fans tended to be positive. These Pages also served to promote church leaders and their thoughts on doctrine. The Pope in the case of the Catholic church makes for a good example, like this April 30 status update: “Pope Benedict has approved the new Roman Missal.” Or, this April 4 status update from the Episcopal Diocese:  “View a video Easter message from Bishop Johnston.”


Sara Merrill from the Calvary Church said the organization’s arrival to Facebook in December was meant to meet congregants where they already were, via both a group and Page, and this summer she plans to promote Facebook even more. “People are using this tool anyway, if the church is absent from that, then we’re missing out on what is a big part of peoples’ lives these days — and we need to be engaging them on every avenue they’re on,” Merrill tells us.



The church has three main goals with Facebook:  foster community, support spiritual growth and conduct outreach. This had been happening on Facebook prior to the church’s Page, especially with young people involved in youth groups. Thus far the reaction has been positive, Merrill tells us, people have told her they like seeing Calvary Church pop up in their news feed in the middle of the week. The church hopes Facebook will help congregants engage around events. Calvary Church’s foray into Facebook is exemplary of many Pages we saw because while Merrill says the church wants to develop use of social media, its strategy to do so is via creating more content for its web site, then linking to it on Facebook.


This simultaneous embrace of Facebook’s technology and confusion over how, exactly, to best implement a social media strategy was present, in different degrees, with each group we spoke to.


Judaism


Jewish temples used Facebook to promote events within their temples and synagogues by sharing photos, asking for prayers on the Walls, announcing services, promoting Twitter accounts and generally encouraging participation.


We looked at the Temple Beth-El in Northbrook, Ill. with 166 Likes, Beth Simchat Yeshua Messianic Jewish Synagogue in Dayton, Ohio with 250 Likes, the Westchester Reform Temple in Scarsdale, New York with 478 Likes, the Jewish Federation of South Palm Beach County in Florida with 391 Likes and the 750-member Temple Beth-El in St. Petersburg, Fla. with 138 Likes, whose Rabbi Michael Torop talked to Inside Facebook about the temple’s experiences with social media.


“We are very open and embracing of new technologies and whatever they might have to offer us as a tool to creating community — not replacing it,” Torop tells us. “We’re looking for additional mechanisms to connect with members. The downside is that we want to make sure that, whatever we do as far as our Facebook presence or web presence, is something that does not become a virtual world community, or a replacement.” Temple Beth-El’s Page incorporates lots of photos from trips to New York City or Israel, information about Temple functions, as well as articles posted by Torop of what to do with leftover matzo or about the Hewbrew language.



His own personal profile counts 300-plus friends and includes information about Temple activities. The Page and a group for the Temple grew out of activity from Torop’s profile, and he says Temple youth are particularly more likely to interact via Facebook. The Temple’s Page launched in January as a means to “encourage people to show a greater interest and take part in the life of the congregation” and has since become a good way to promote events and send communications (as opposed to email). Currently it’s Torop who administers the Page, which he says has served as an interesting experiment to link to albums and calendars both on Facebook and the site.


The Temple also had an interesting experiment with Facebook ads. To promote its annual participation in the Martin Luther King, Jr. Parade earlier this year the Temple invested $24 that rendered 216,399 impressions over four days, 50 clicks and 7 people who confirmed their parade attendance. The parade wasn’t bigger than usual, but Torop tells us it was intriguing to receive so much traffic for such a small sum.


Islam


Facebook Pages seemed to be particularly important to Muslims to reaffirm their faith, at least on the Pages we reviewed. There didn’t appear to be as many mosques as churches on Facebook, but this may be due to a language barrier as we searched in English and Islam isn’t the dominant religion in the U.S. But on the Pages of mosques we did find there was a strong reaffirmation of faith taking place on the Walls, as well as interaction with the mosque’s community. For example, the Mosque That Survived the Tsunami Page (presumably the 2004 Indian Ocean tsunami) has more than 5,200 Likes and people often reaffirm their faith by praising Allah, usually with a prompt such as a status update. A similar pattern emerged on the Mosque Okba Ibn Nafaa Page, with more than 6,800 Likes, celebrating an important mosque in Kairouan, Tunisia.



For reference, community mosques in London and Singapore also had Pages that reflected their communities. The East London Mosque with about 6,400 Likes has a Page where people share values and religious comments on the Wall, inquire about  religious services and are apolitically encouraged to vote. Singapore’s AlKhair Mosque with about 2,000 Likes also serves as a hub for people to ask about services, share photos/religious ideas and receive information about events, as well as participate in numerous photo albums documenting mosque activities.


Searching for “Islam” on Facebook does yield a number of mosques of the Nation of Islam, including: the Phoenix, Ariz. Muhammad Mosque No. 32 with about 1,000 Likes, Muhammad Mosque No. 15 in Atlanta, Ga. with 1,500 Likes and Muhammad’s Mosque No. 11 in Boston, Mass. with 1,200. Pages promote similar institutional information, such as speeches by leaders like Louis Farrakhan, in addition to information about community and political events, resources and Twitter accounts. Several Pages also included photos and videos produced by members who are mosque administrators.


Protocol Director Hannibal Muhammad, 26, tells us that since the Page’s launch, Facebook has figured prominently in several initiatives. Facebook facilitates networking with other mosques, disseminates mosque information, as well as assists in fundraising, education and organizing events, he says. About half of the congregation has Liked the mosque’s Page so far, he says, and Facebook has given the mosque more freedom and reach than it had with its web site.



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The pitch for White Collar Brawler — that it’s some sort of real-life Fight Club — is one of the rare pitches that does, almost, match with the subject matter. The nonfiction tale of two friends who quit their office jobs to devote themselves to boxing isn’t nearly as anti-establishment as David Fincher’s seminal film, however, as their new devotion to training isn’t a gateway to further mayhem. It’s their escape, pure and simple.





The series, which debuted on Tuesday, was created by, and features, Kai Hasson and Nate Houghteling, with Jason Cohn directing and production company Portal A putting everything together. The first episode sets up the premise without giving us a lot of time to get to know Hasson and Houghteling, as so much of the episode is devoted to set-up. But the pair are likable and fun on camera, and seem to genuinely take this commitment seriously. It’s something their trainer Angelo Merino recognizes immediately. Merino is unfortunately stiff and uncomfortable in interview segments, but during training sessions, he’s tough and wise.



To emphasize the reality of the show, which promises a quick turnaround of episodes (Episode One was filmed just last week), the accompanying site includes a public Google calendar listing Hasson and Houghteling’s training schedule, ostensibly meaning that if you live in the San Francisco area, you could join up with the guys for a 7:00 a.m. beach run or weights session.



The show is being distributed through Next New Networks’ Creators Program; according to Zach Blume, Portal A’s director of business development and marketing, NNN execs Kathleen Grace and Ben Relles were already Portal A fans before the company began working on Brawler, and followed the show’s development accordingly.



In a slight departure from NNN’s other Next New Creators shows, Brawler uses the Blip.tv player on its site as opposed to YouTube, which is what NNC series typically use. Blume said via email that “In our negotiations with both Blip and NNN, it was made clear to us by both Steve [Woolf, of Blip.tv] and Kathleen that the two could work together harmoniously and that there was no conflict in using Blip on our site while also putting the video on YouTube for Next New’s promotion.” The first episode of White Collar Brawler has so far received only 144 views on YouTube.



Brawler is best described as non-fiction because of how it blends genres within that realm. The filmmaking style is so pretty it’s almost unnecessary, with lush cinematography that captures the gray San Francisco climate, and uses that color palette to give context to the corporate life being escaped. The feel in general proves very documentary-like in nature. However, the twist at the end of Episode One, in which Merino reveals that Hasson and Houghteling will have to fight each other eventually, reveals how much the show’s structure owes to reality TV.



How do Hasson and Houghteling not know about that twist, despite the fact that they’re credited as the creators, writers and producers of the series? According to Blume, the initial idea that the two fight each other came from Merino, who suggested it to the director; Hasson and Houghteling were asked to approve the decision after the fact. Hasson and Houghteling had no idea during the filming of the first episode that they’d eventually be fighting each other; in Episode Two, which comes out Friday morning, they’ll deal with the revelation and how it changes the dynamic of their training. Now it’s a competition; soon, there will be a showdown.



Related GigaOm Pro Content (subscription required):



By The Numbers: Budget Analysis of a Web Series



Monetizing the Social Web Isn’t One Size Fits All



Shattering the Fourth Wall To Find Web Audiences



Religion takes many forms on Facebook. There’s a Page for The Bible, with more than 4.5 million Likes. Religious leaders are gaining lots of fans, for example the Dalai Lama’s 913,200. Places of worship have their own Pages, as do important buildings such as the Support Al-Aqsa Mosque Page, with 15,200 Likes. There are also some popular applications — The God Wants You to Know app has around 2 million monthly active users, for example. Religious Facebook ads have also appeared, like Pray for an Atheist, which advertised to get people to pray for atheists to convert to Christianity.



This isn’t surprising. After all, religions have always engaged in some form of social networking. Yet, even as companies, non-profits, celebrities and everyone else has started using Pages, ads, apps and other features to reach Facebook users, many religious groups we’ve spoken to haven’t committed to the same degree. In some cases, they may believe that Facebook is not the most appropriate venue for their faith; in other cases, they simply haven’t had the resources or focus.


So here’s our look.


Buddhism


We looked at the Pages of a handful of Buddhist centers and spoke with a member of the Diamond Way Buddhist Center in Seattle with 203 Likes and a core membership of about 10 people. We also looked at the Indiana Buddhist Center in Indianapolis with 966 Likes, the Buddhist Center Lubbock Texas with 85 Likes and the Gar Drolma Buddhist Center in Dayton, Ohio with 308 Likes.


These Pages seemed to serve primarily as hubs for information — location, hours, special events, etc. — but were also used to seek volunteers, donations, ask questions about programming, provide special prayers/speeches/information and showcase photos. In the case of the Indiana Buddhist center, the Page was used heavily in a variety of ways to promote a visit from the Dalai Lama recently, including events, photos, status updates, posts (from admins and fans) and comments.



Facebook is the modern-day flyer, said Daria Novoselova, a former member of Seattle’s Diamond Way Buddhist Center by way of describing the center’s use of Facebook; the center only adds info already available on the web site. Facebook serves as a way for the center to “be available so whoever is looking for us can find us,” noting that the idea is not to recruit per se, but “make ourselves available.” The Page was created by a young member earlier this year who thought it would be good promotion, and when response was positive, Novoselova said the Center decided to continue to develop its Facebook presence — despite some ways it might clash with their beliefs.


Facebook ads serve as one example of this clash, Novoselova explains; if for example a photo of a teacher appeared on the stream next to an ad for casual dating. Another drawback is trying to maintain doctrine in an egalitarian space where people can post anything they please. “We’re a big organization and we have a lot of people with different ideas, sometimes people post things that are not appropriate,” she said. “But, at the same time, it’s a means of communication. It used to be phone books, it used to be fliers and now it’s mainly the Internet.”


Christianity


In the U.S., Christian churches were the most numerous type of religious institution on Facebook. We looked at a variety of Christian organizations for this story: non-denominational Calvary Church in Grand Rapids, Mich. with 870 Likes and a congregation of about 4,000 people, likewise non-denominational Savannah Christian Church in Georgia with 2,800 Likes, the Episcopal Diocese of Virginia in Richmond with 1,300 Likes and the Roman Catholic Diocese of Austin, Texas with more than 2,300 Likes.



Pages included social- and worship-related events posted on the Wall, photos, calls for charity and volunteerism. Retreats, conferences and in the case of the Diocese of Austin, daily mass readings provided a good mix of social and religious information on the Wall. Feedback from fans tended to be positive. These Pages also served to promote church leaders and their thoughts on doctrine. The Pope in the case of the Catholic church makes for a good example, like this April 30 status update: “Pope Benedict has approved the new Roman Missal.” Or, this April 4 status update from the Episcopal Diocese:  “View a video Easter message from Bishop Johnston.”


Sara Merrill from the Calvary Church said the organization’s arrival to Facebook in December was meant to meet congregants where they already were, via both a group and Page, and this summer she plans to promote Facebook even more. “People are using this tool anyway, if the church is absent from that, then we’re missing out on what is a big part of peoples’ lives these days — and we need to be engaging them on every avenue they’re on,” Merrill tells us.



The church has three main goals with Facebook:  foster community, support spiritual growth and conduct outreach. This had been happening on Facebook prior to the church’s Page, especially with young people involved in youth groups. Thus far the reaction has been positive, Merrill tells us, people have told her they like seeing Calvary Church pop up in their news feed in the middle of the week. The church hopes Facebook will help congregants engage around events. Calvary Church’s foray into Facebook is exemplary of many Pages we saw because while Merrill says the church wants to develop use of social media, its strategy to do so is via creating more content for its web site, then linking to it on Facebook.


This simultaneous embrace of Facebook’s technology and confusion over how, exactly, to best implement a social media strategy was present, in different degrees, with each group we spoke to.


Judaism


Jewish temples used Facebook to promote events within their temples and synagogues by sharing photos, asking for prayers on the Walls, announcing services, promoting Twitter accounts and generally encouraging participation.


We looked at the Temple Beth-El in Northbrook, Ill. with 166 Likes, Beth Simchat Yeshua Messianic Jewish Synagogue in Dayton, Ohio with 250 Likes, the Westchester Reform Temple in Scarsdale, New York with 478 Likes, the Jewish Federation of South Palm Beach County in Florida with 391 Likes and the 750-member Temple Beth-El in St. Petersburg, Fla. with 138 Likes, whose Rabbi Michael Torop talked to Inside Facebook about the temple’s experiences with social media.


“We are very open and embracing of new technologies and whatever they might have to offer us as a tool to creating community — not replacing it,” Torop tells us. “We’re looking for additional mechanisms to connect with members. The downside is that we want to make sure that, whatever we do as far as our Facebook presence or web presence, is something that does not become a virtual world community, or a replacement.” Temple Beth-El’s Page incorporates lots of photos from trips to New York City or Israel, information about Temple functions, as well as articles posted by Torop of what to do with leftover matzo or about the Hewbrew language.



His own personal profile counts 300-plus friends and includes information about Temple activities. The Page and a group for the Temple grew out of activity from Torop’s profile, and he says Temple youth are particularly more likely to interact via Facebook. The Temple’s Page launched in January as a means to “encourage people to show a greater interest and take part in the life of the congregation” and has since become a good way to promote events and send communications (as opposed to email). Currently it’s Torop who administers the Page, which he says has served as an interesting experiment to link to albums and calendars both on Facebook and the site.


The Temple also had an interesting experiment with Facebook ads. To promote its annual participation in the Martin Luther King, Jr. Parade earlier this year the Temple invested $24 that rendered 216,399 impressions over four days, 50 clicks and 7 people who confirmed their parade attendance. The parade wasn’t bigger than usual, but Torop tells us it was intriguing to receive so much traffic for such a small sum.


Islam


Facebook Pages seemed to be particularly important to Muslims to reaffirm their faith, at least on the Pages we reviewed. There didn’t appear to be as many mosques as churches on Facebook, but this may be due to a language barrier as we searched in English and Islam isn’t the dominant religion in the U.S. But on the Pages of mosques we did find there was a strong reaffirmation of faith taking place on the Walls, as well as interaction with the mosque’s community. For example, the Mosque That Survived the Tsunami Page (presumably the 2004 Indian Ocean tsunami) has more than 5,200 Likes and people often reaffirm their faith by praising Allah, usually with a prompt such as a status update. A similar pattern emerged on the Mosque Okba Ibn Nafaa Page, with more than 6,800 Likes, celebrating an important mosque in Kairouan, Tunisia.



For reference, community mosques in London and Singapore also had Pages that reflected their communities. The East London Mosque with about 6,400 Likes has a Page where people share values and religious comments on the Wall, inquire about  religious services and are apolitically encouraged to vote. Singapore’s AlKhair Mosque with about 2,000 Likes also serves as a hub for people to ask about services, share photos/religious ideas and receive information about events, as well as participate in numerous photo albums documenting mosque activities.


Searching for “Islam” on Facebook does yield a number of mosques of the Nation of Islam, including: the Phoenix, Ariz. Muhammad Mosque No. 32 with about 1,000 Likes, Muhammad Mosque No. 15 in Atlanta, Ga. with 1,500 Likes and Muhammad’s Mosque No. 11 in Boston, Mass. with 1,200. Pages promote similar institutional information, such as speeches by leaders like Louis Farrakhan, in addition to information about community and political events, resources and Twitter accounts. Several Pages also included photos and videos produced by members who are mosque administrators.


Protocol Director Hannibal Muhammad, 26, tells us that since the Page’s launch, Facebook has figured prominently in several initiatives. Facebook facilitates networking with other mosques, disseminates mosque information, as well as assists in fundraising, education and organizing events, he says. About half of the congregation has Liked the mosque’s Page so far, he says, and Facebook has given the mosque more freedom and reach than it had with its web site.



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With the vast amount of information about search engine optimization available on internet, one tends to get confused on what strategy should be applied in order to optimize a Web site. Here I am going to talk about how to promote website with different strategies that most SEO Consultants apply in their packages. I will tell you 6 best SEO strategies that will cover most of the website optimization methods you should know.

1. Web Directory Submission:

Web directory submission is one of the easiest way to get permanent one way back links for your website. You can easily search a list of top web directories in Google or Wikipedia that have page rank 3 or more. Submitting your website to higher page ranked web directories will give your website improved appearance in search engine page results. Kindly note that you do not submit your website to a huge collection of web directories at the same time making your submission look like spam. Consider quality submission by submitting your website to top 100 directories. Search engines certainly look for the quality and not the quantity of the back links your website gets.

2. Article Submission:

Many people believe article submission is a very tedious job. This is because not everyone has the ability to write meaningful articles. But in my opinion article submission is a very consistent way of optimizing your website. Search engine crawlers simply delight in crawling through some of the top article directories. All you have to do is take some time out and write an appropriate article parallel to your website category and submit them to article directories. Even if you do not approach any other methods described here but this, your website will still have better chances to appear on top of the search engine result pages.

3. Social Bookmarking:

The primary reason why search engines are attached to social bookmarking websites is because all the entries in social bookmarking websites are done by humans. The second reason is because social bookmarking websites are updated in real time. Search engine crawlers often crawl through these websites for real time updates. Few of the social networking sites have also started real time search facility, e.g. Twitter, Facebook and Propeller. Moreover, these websites have millions of users registered. By bookmarking your website here, your website gets round the globe exposure. You can also build a group of your interest and promote your website for free.

4. Pay Per Click:

Pay Per Click, commonly referred to as PPC is an advertising model where you advertise your website and pay only when someone clicks on your advertisement. Google AdWords is one of the most popular PPC service provider. If you are a beginner, all you have to do is to register for Google AdWords campaign, build an advertisement and set your monthly budget. You will be charged only when your ad gets clicked. There are many other PPC service providers who charge on monthly basis, e.g. Anoox. You have to pay a flat monthly fee for a specific keyword, no matter how many times it gets viewed or clicked. However, the advertising network varies with one another.

5. eMail Marketing:

Email marketing is a sure way to catch up to your buying customers. Users subscribe to your email subscription only because they are interested in your product or service. For this reason your website must have email subscription option. You can sign up for Feedburner or many other free email subscription services. They create a feed for your website and whenever your website is updated, they automatically send an email to your subscribers letting them know about the updates.

6. News Letters:

Growing business websites must issue news letters regularly. There are many customers who are interested in a field of your business but are not interested to buy products you are currently selling. But they may be interested in future for other products you may sell. So keeping such customers updated about your new products with news letters is very crucial. You can buy low-cost news letter software to send out weekly or monthly news letters. Most of the software providers give an option to try their software free for 1 month.

You can practice first 3 methods completely free for your website promotion. The other 3 methods require some investment. You just have to manage a budget to optimize your Web site and make an action plan to carry out all 6 strategies mentioned here. By following these strategies you can get your Web site on top of the search results and generate a huge traffic.



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Monday, October 4, 2010

foreclosure law

First one, now all. Just as we predicted - fan: meet feces.

Fresh off the presses at Bloomberg:

JPMorgan Based Foreclosures on Faulty Documents, Lawyers Claim

JPMorgan Chase & Co. faces a legal challenge next month that could cast doubt on thousands of foreclosures after a mortgage executive at the bank said she didn’t verify documents used to justify home seizures.

Lawyers for a Palm Beach County, Florida, homeowner asked a judge to throw out a foreclosure as a penalty for misleading the court, according to attorney Tom Ice of Ice Legal PA. They’re citing a May 17 deposition in which the JPMorgan executive said she signed thousands of affidavits and documents supporting the New York-based bank’s claims without personally checking loan records. The court is scheduled to hear arguments Oct. 19.

The Chase Home Finance operation supervisor, Beth Ann Cottrell, said in May she was among eight managers who together sign about 18,000 documents a month, according to a transcript of her sworn deposition provided by Ice. Asked how they were prepared, she said she relied on other people at the firm.

“My review is more or less signing the document unless it’s questionable,” she said. That means, “somebody has a question and brings it to me and says, ‘Beth, can you take a look at this?’”

Inaccurate statements by banks in foreclosure documents may give borrowers who have lost their homes a legal basis to challenge the seizures, derailing resales and casting doubts on property titles. A Florida court sanctioned Ally Financial Inc.’s GMAC Mortgage unit for faulty affidavits in 2006, and the firm suspended evictions in 23 states this month after finding employees still signing affidavits without checking the data.

Titles in Doubt

JPMorgan spokesman Tom Kelly declined requests for comment.

Cottrell didn’t return phone calls to her office requesting comment. A lawyer representing her at the deposition, Joseph Mancilla of the Florida Default Law Group PL, didn’t return calls. Cottrell isn’t named as a defendant.

Cottrell signed the affidavit at issue in the case, dated June 2009, while at her previous employer, an outside servicing firm working for JPMorgan, according to court documents. When signing documents there for the JPMorgan unit, she used the title “assistant secretary and vice president” of Chase Home Finance, according to the transcript. She became a JPMorgan employee about three months after signing the affidavit.

Document signers sometimes endorse affidavits on behalf of other firms as a way to streamline the foreclosure process, said Dustin Zacks, an attorney at Ice’s firm.

JPMorgan was the third-largest U.S. servicer of home mortgages as of June 30, with $1.35 trillion or almost 13 percent of the market, according to industry newsletter Inside Mortgage Finance. Ally is the fifth-biggest mortgage servicer, with $349.1 billion. The other three in the top five are Bank of America Corp., Wells Fargo & Co., and Citigroup Inc.

Title Insurers

“I’m sure a lot of title insurance companies are concerned about the potential liability right now,” as borrowers challenge how banks made statements, he said. “The judges could absolutely hold the bank and attorneys in contempt.”

U.S. home seizures reached a record for the third time in five months in August as lenders completed the foreclosure process for thousands of delinquent owners, according to RealtyTrac Inc.

Ice, the founding partner of his foreclosure-defense law firm in Royal Palm Beach, Florida, said some lenders are accepting voluntary dismissal of their cases.

During the deposition, Cottrell said a staff of in-house specialists scrutinize loan documents and prepare affidavits, the transcript shows. If they have difficulties or questions, they come to her. She signs in a notary’s presence, she said.

‘No Knowledge’

During questioning by Ice lawyer Zacks, Cottrell said she had worked at Chase Home Finance for about eight months, according to the transcript.

“As to everything in the affidavit, did you have personal knowledge?” Zacks asked.

“My own personal knowledge, no,” Cottrell answered.

“You stated ‘That plaintiff is entitled to enforce the note and mortgage,’” Zacks said. “Again, did you have personal knowledge of that?”

“No knowledge,” she answered.

Florida Attorney General William McCollum is investigating three law firms that represent loan servicers in foreclosures, and are alleged to have submitted fraudulent documents to the courts, according to an Aug. 10 statement. The firms handled about 80 percent of foreclosure cases in the state, according to a letter from U.S. Representative Alan Grayson, a Florida Democrat.

Judges overseeing foreclosures in the wake of the housing crisis are growing skeptical of banks, said Christopher L.
Peterson, a professor at the University of Utah’s S.J. Quinney College of Law. A surge in proceedings has helped expose a variety of paperwork lapses, he said in an interview.

“Early in the process the judges were very cavalier and they just took the financiers’ word,” Peterson said. “Now there are enough disputes out there about ownership of loans that the judges are starting to feel like they need to hold the financial institutions to the basic rules of evidence.”




Yesterday, five homeowners in the state of Maine filed a class action suit against GMAC Mortgage, accusing them of filing knowingly false certifications for foreclosure, and false affadavits which back up the documents. Maine is one of the 23 states where judicial sign-off is required to move ahead with a foreclosure, and where GMAC (now Ally Financial) has suspended evictions.


In depositions of GMAC/Ally officials as well as those at top mortgage lenders across the country, employees have admitted that they do not spend any time verifying the accuracy of the foreclosure documents, and often use a “robo-signer” who looks at the materials for less than 30 seconds and signs up to 10,000 affadavits a month.


The lawsuit alleges that thousands of Maine homeowners have lost their homes unfairly due to judgments based on false documents, and that most of them had no attorney operating in their defense. GMAC has been sanctioned in a Maine court for their “high-volume and careless approach to affidavit signing.” Local attorneys, along with the offices of Maine Attorneys Saving Homes, the National Consumer Law Center and the Center for Responsible Lending are working on the case.


Bank of America, the largest holder of mortgages in the country, yesterday admitted to this practice and suspended foreclosure processes while they review the documents. They plan to “amend all affidavits in foreclosure cases that have not yet gone to judgment,” a process that could take months or even years. Citi and Wells Fargo, the only major lenders which have not slowed their foreclosures yet, have defended their documentation actions, with Wells Fargo standing by the accuracy of their affadavits. If all lenders eventually submit to review, it could put on hold the future of 4.37 million households either in foreclosure or severe delinquency.


The lenders often just service the loans, without owning the title. Private investment pools or even the government, in the form of Fannie Mae and Freddie Mac, often own the homes. Sometimes the owner cannot be determined because of securitization and sloppy processes during the housing bubble, leading to foreclosures by servicers who cannot establish ownership.


Connecticut, a judicial foreclosure state, has suspended all foreclosures for 60 days while the Attorney General investigates. California, a non-judicial state, has asked GMAC/Ally and JPMorgan Chase, another lender reviewing their documents, to halt their foreclosure operations. Asm. Ted Lieu, the state legislator who wrote the law that requires lenders in California to try to contact borrowers and document the outcome before any foreclosure, said yesterday that the state should call for a foreclosure moratorium.



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eric seiger eric seiger

First one, now all. Just as we predicted - fan: meet feces.

Fresh off the presses at Bloomberg:

JPMorgan Based Foreclosures on Faulty Documents, Lawyers Claim

JPMorgan Chase & Co. faces a legal challenge next month that could cast doubt on thousands of foreclosures after a mortgage executive at the bank said she didn’t verify documents used to justify home seizures.

Lawyers for a Palm Beach County, Florida, homeowner asked a judge to throw out a foreclosure as a penalty for misleading the court, according to attorney Tom Ice of Ice Legal PA. They’re citing a May 17 deposition in which the JPMorgan executive said she signed thousands of affidavits and documents supporting the New York-based bank’s claims without personally checking loan records. The court is scheduled to hear arguments Oct. 19.

The Chase Home Finance operation supervisor, Beth Ann Cottrell, said in May she was among eight managers who together sign about 18,000 documents a month, according to a transcript of her sworn deposition provided by Ice. Asked how they were prepared, she said she relied on other people at the firm.

“My review is more or less signing the document unless it’s questionable,” she said. That means, “somebody has a question and brings it to me and says, ‘Beth, can you take a look at this?’”

Inaccurate statements by banks in foreclosure documents may give borrowers who have lost their homes a legal basis to challenge the seizures, derailing resales and casting doubts on property titles. A Florida court sanctioned Ally Financial Inc.’s GMAC Mortgage unit for faulty affidavits in 2006, and the firm suspended evictions in 23 states this month after finding employees still signing affidavits without checking the data.

Titles in Doubt

JPMorgan spokesman Tom Kelly declined requests for comment.

Cottrell didn’t return phone calls to her office requesting comment. A lawyer representing her at the deposition, Joseph Mancilla of the Florida Default Law Group PL, didn’t return calls. Cottrell isn’t named as a defendant.

Cottrell signed the affidavit at issue in the case, dated June 2009, while at her previous employer, an outside servicing firm working for JPMorgan, according to court documents. When signing documents there for the JPMorgan unit, she used the title “assistant secretary and vice president” of Chase Home Finance, according to the transcript. She became a JPMorgan employee about three months after signing the affidavit.

Document signers sometimes endorse affidavits on behalf of other firms as a way to streamline the foreclosure process, said Dustin Zacks, an attorney at Ice’s firm.

JPMorgan was the third-largest U.S. servicer of home mortgages as of June 30, with $1.35 trillion or almost 13 percent of the market, according to industry newsletter Inside Mortgage Finance. Ally is the fifth-biggest mortgage servicer, with $349.1 billion. The other three in the top five are Bank of America Corp., Wells Fargo & Co., and Citigroup Inc.

Title Insurers

“I’m sure a lot of title insurance companies are concerned about the potential liability right now,” as borrowers challenge how banks made statements, he said. “The judges could absolutely hold the bank and attorneys in contempt.”

U.S. home seizures reached a record for the third time in five months in August as lenders completed the foreclosure process for thousands of delinquent owners, according to RealtyTrac Inc.

Ice, the founding partner of his foreclosure-defense law firm in Royal Palm Beach, Florida, said some lenders are accepting voluntary dismissal of their cases.

During the deposition, Cottrell said a staff of in-house specialists scrutinize loan documents and prepare affidavits, the transcript shows. If they have difficulties or questions, they come to her. She signs in a notary’s presence, she said.

‘No Knowledge’

During questioning by Ice lawyer Zacks, Cottrell said she had worked at Chase Home Finance for about eight months, according to the transcript.

“As to everything in the affidavit, did you have personal knowledge?” Zacks asked.

“My own personal knowledge, no,” Cottrell answered.

“You stated ‘That plaintiff is entitled to enforce the note and mortgage,’” Zacks said. “Again, did you have personal knowledge of that?”

“No knowledge,” she answered.

Florida Attorney General William McCollum is investigating three law firms that represent loan servicers in foreclosures, and are alleged to have submitted fraudulent documents to the courts, according to an Aug. 10 statement. The firms handled about 80 percent of foreclosure cases in the state, according to a letter from U.S. Representative Alan Grayson, a Florida Democrat.

Judges overseeing foreclosures in the wake of the housing crisis are growing skeptical of banks, said Christopher L.
Peterson, a professor at the University of Utah’s S.J. Quinney College of Law. A surge in proceedings has helped expose a variety of paperwork lapses, he said in an interview.

“Early in the process the judges were very cavalier and they just took the financiers’ word,” Peterson said. “Now there are enough disputes out there about ownership of loans that the judges are starting to feel like they need to hold the financial institutions to the basic rules of evidence.”




Yesterday, five homeowners in the state of Maine filed a class action suit against GMAC Mortgage, accusing them of filing knowingly false certifications for foreclosure, and false affadavits which back up the documents. Maine is one of the 23 states where judicial sign-off is required to move ahead with a foreclosure, and where GMAC (now Ally Financial) has suspended evictions.


In depositions of GMAC/Ally officials as well as those at top mortgage lenders across the country, employees have admitted that they do not spend any time verifying the accuracy of the foreclosure documents, and often use a “robo-signer” who looks at the materials for less than 30 seconds and signs up to 10,000 affadavits a month.


The lawsuit alleges that thousands of Maine homeowners have lost their homes unfairly due to judgments based on false documents, and that most of them had no attorney operating in their defense. GMAC has been sanctioned in a Maine court for their “high-volume and careless approach to affidavit signing.” Local attorneys, along with the offices of Maine Attorneys Saving Homes, the National Consumer Law Center and the Center for Responsible Lending are working on the case.


Bank of America, the largest holder of mortgages in the country, yesterday admitted to this practice and suspended foreclosure processes while they review the documents. They plan to “amend all affidavits in foreclosure cases that have not yet gone to judgment,” a process that could take months or even years. Citi and Wells Fargo, the only major lenders which have not slowed their foreclosures yet, have defended their documentation actions, with Wells Fargo standing by the accuracy of their affadavits. If all lenders eventually submit to review, it could put on hold the future of 4.37 million households either in foreclosure or severe delinquency.


The lenders often just service the loans, without owning the title. Private investment pools or even the government, in the form of Fannie Mae and Freddie Mac, often own the homes. Sometimes the owner cannot be determined because of securitization and sloppy processes during the housing bubble, leading to foreclosures by servicers who cannot establish ownership.


Connecticut, a judicial foreclosure state, has suspended all foreclosures for 60 days while the Attorney General investigates. California, a non-judicial state, has asked GMAC/Ally and JPMorgan Chase, another lender reviewing their documents, to halt their foreclosure operations. Asm. Ted Lieu, the state legislator who wrote the law that requires lenders in California to try to contact borrowers and document the outcome before any foreclosure, said yesterday that the state should call for a foreclosure moratorium.



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At long last, we've got some honest-to-goodness competitive NHL hockey to look forward to this week as the 2010-11 season opens Thursday evening.

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South Florida Foreclosure Workshop by Roy Oppenheim





















































Saturday, October 2, 2010

foreclosure statistics


Economists often describe unemployment as “cyclical” or “structural.” Cyclical unemployment results from broad economic slowdowns: As the economy turns, businesses lay off workers, meaning other businesses suffer, meaning more layoffs. Structural unemployment results from broad economic changes: An economy with a strong apple trade might be becoming an economy with a strong orange trade, and as that transformation happens, a lot of apple workers might be out of a job.



Economic commentators such as Mohamed El-Erian, the head of PIMCO, have described the United States’ problem as mostly structural. The housing boom created millions of jobs in construction, development and realty, and those jobs are gone. Over at Project Syndicate, economist Brad DeLong makes the argument for cyclical unemployment:


In [the case of structural unemployment] we would expect to see construction depressed: firms closed, capital goods idle, and workers unemployed. But we would also expect to see manufacturing plants running at double shifts – the money not spent on construction has to go somewhere, and, remember, the problem is not a lack of aggregate demand. We would expect to see manufacturers holding job fairs, and when not enough workers showed up, we would expect to see manufacturers offering higher wages to attract workers into their plants, and then raising prices to cover their higher costs.


That is what “mismatch” structural unemployment looks like – and it is not what we have today, at least not in Europe and North America. In the past three years, employment in construction has shrunk, but so has employment in manufacturing, wholesale trade, retail trade, transportation and warehousing, information distribution and communications, professional and business services, educational services, leisure and hospitality, and in the public sector. Employment is up in health care, Internet-related businesses, and perhaps in logging and mining.


DeLong does not say that structural unemployment does not exist in the U.S. economy, just that the problem is primarily cyclical. In a few years, with unemployment still projected to be above 8 percent, the problem will primarily be a structural one, he notes.


Though the problem seems to me to be both: The unemployment is cyclical and structural. Most sectors have suffered from the turndown, but job losses are concentrated in some industries: In residential construction, they are down 38 percent since 2006. (Between Aug. 2007 and Dec. 2009, unemployment in construction quintupled from about 5 percent to about 25 percent.) In health care and education, however, jobs are up.


Here is a chart I made from Bureau of Labor Statistics data that shows the phenomenon. (The chart shows total jobs in major sectors since 2005.) Most sectors — retail trade, business services, wholesale trade, finance — have had moderate job losses one could reasonably chalk up to an economy-wide lack of demand. Let’s think of those as sectors characterized mostly by cyclical job loss. Then, there is manufacturing and construction. Jobs there have taken a nose dive, and the problem seems to be structural. Moreover, the job gains in education and health might thought to be structural as well. (Mining and logging isn’t an industry I know a lot about, so I’m not sure what’s going on there.)



That said, the big problem at the root of all of the employment woes remains sluggish demand.


One can also think about the unemployment geographically. Joblessness has tracked up in all states, due to lack of demand. But states with big manufacturing and construction industries — Michigan, Nevada, California and Florida — are suffering from massive structural unemployment, made worse by the foreclosure crisis. (Four years ago, you might have been working in construction in Nevada and overpaid for your house. Today, you’re likely out of a job and, worse, can’t move to a state like North Dakota because you can’t sell the property.)




It’s tough enough to sell a house with home sales in the Twin Cities undergoing the biggest decline in the country, down 42 percent in July year to year. Yet some local governments make it even tougher for homeowners by imposing some of the country’s most onerous before-sale residential inspection ordinances, adding to the cost and red tape of buying and selling a house at the worst possible time.


Currently, fourteen metro-area municipalities have so-called “point-of-sale” ordinances in place, requiring home sellers to pay for a city inspection prior to selling their property. (In some cases, the ordinances are referred to as “time-of-sale” and “truth in housing” inspections.) In fact, in many cases, sellers are required to pay for the inspection before being permitted to put their home up for sale. These inspections are in addition to, not in lieu of, the private inspections for which home buyers routinely pay $300 or more.


That’s because, as several cities readily admit, these ordinances are not intended to help the buyer or seller. They are intended to help the city.


On its website, the City of Richfield states “inspections are not for the benefit of buyer or seller, but are a community effort to maintain the quality of Richfield’s houses and neighborhoods.” Common code violations cited by Richfield inspectors include bare wood, peeling paint, missing or deteriorated window glazing, and clogged gutters.


The laws require sellers to undergo a comprehensive city inspection for potential code violations at an initial cost that varies from $50 to $200, often before allowing the property to go on the market.



“There are already fixed costs when you buy and sell a property and so having these extra costs piled on top of the transaction can really break up a deal,” said Christine Berger of the Minnesota Association of Realtors. “You can potentially lose your dream home. I call them transaction killers.”


Applications typically include a disclaimer like the City of Osseo’s waiver stating the inspection “does not constitute a guarantee or warranty to any person as to the condition of buildings inspected.” The City of St. Paul “does not guarantee or warranty the accuracy of the report,” according to its website.


Homeowners can get slapped with a fix-it list of repairs needed to bring the property into compliance with city codes. Though some cities issue “disclosure only” reports that do not require action, other municipalities require the property owner or the buyer in some cases to make improvements that go beyond potential safety hazards.


“Who among us in our homes doesn’t have something that would get flagged for some reason or other? The health and safety issues are obviously paramount to us,” said Eric Myers of the North Metro Realtors Association. “But we’ve had them flag a bit of mold along the trim in the bathtub where you just haven’t scrubbed it lately.”


In the Minneapolis suburb of Brooklyn Park, inspectors find problems and order repairs in the overwhelming majority of houses being listed, according to city officials. Even if the house doesn’t sell or is taken off the market, the city requires owners to correct not just code violations but so-called “property deficiencies.”


Officials contend the inspections are more important than ever in an economic downturn to protect potential buyers who may not be able to afford a private one. With an estimated 1,000 vacant and foreclosed houses in Brooklyn Park, officials also insist the inspections are necessary to prevent neighborhood blight.


“I don’t think it’s accurate if you want to talk about too much government,” said Robert Schreier, Brooklyn Park’s community development director. “It’s providing a service to the community. We never hear complaints from people buying the houses. The people that are moving in are glad for the inspections.”


While there are no available statistics to measure the impact of point of sale ordinances on housing sales or costs, realtors say cities should offer buyers and sellers incentives, rather than roadblocks, to reduce the glut of foreclosures and attract buyers.


“Essentially what the city is saying is that you Mr. or Mrs. Seller can’t sell unless we say so, unless you have a city inspection and then make all the repairs,” Myers said. “Nowhere else in the country do we know of where they apply the entire code to delay the transaction, as opposed to focusing on a few items like water saving showerheads or energy efficiency items.”


Point of sale inspections may put the onus on sellers today, but it will be on Brooklyn Park city officials before long. The city council will review whether or not to sunset what’s viewed as the most stringent point of sale ordinance in the Twin Cities—and possibly the nation—in 2012.


“I think when the economy turns around, there’s a question of whether the program would continue,” Schreier said. “I think for this time, however, it’s a good program.”

Metro Area Cities with Point-of-Sale Requirements

Bloomington

Brooklyn Park

Crystal

Golden Valley

Hopkins

Maplewood

Minneapolis

New Hope

Osseo

Richfield

Robbinsdale

St. Louis Park

St. Paul

South St. Paul




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Illinois Chicago land Foreclosure Statistics by foreclosurepro


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Economists often describe unemployment as “cyclical” or “structural.” Cyclical unemployment results from broad economic slowdowns: As the economy turns, businesses lay off workers, meaning other businesses suffer, meaning more layoffs. Structural unemployment results from broad economic changes: An economy with a strong apple trade might be becoming an economy with a strong orange trade, and as that transformation happens, a lot of apple workers might be out of a job.



Economic commentators such as Mohamed El-Erian, the head of PIMCO, have described the United States’ problem as mostly structural. The housing boom created millions of jobs in construction, development and realty, and those jobs are gone. Over at Project Syndicate, economist Brad DeLong makes the argument for cyclical unemployment:


In [the case of structural unemployment] we would expect to see construction depressed: firms closed, capital goods idle, and workers unemployed. But we would also expect to see manufacturing plants running at double shifts – the money not spent on construction has to go somewhere, and, remember, the problem is not a lack of aggregate demand. We would expect to see manufacturers holding job fairs, and when not enough workers showed up, we would expect to see manufacturers offering higher wages to attract workers into their plants, and then raising prices to cover their higher costs.


That is what “mismatch” structural unemployment looks like – and it is not what we have today, at least not in Europe and North America. In the past three years, employment in construction has shrunk, but so has employment in manufacturing, wholesale trade, retail trade, transportation and warehousing, information distribution and communications, professional and business services, educational services, leisure and hospitality, and in the public sector. Employment is up in health care, Internet-related businesses, and perhaps in logging and mining.


DeLong does not say that structural unemployment does not exist in the U.S. economy, just that the problem is primarily cyclical. In a few years, with unemployment still projected to be above 8 percent, the problem will primarily be a structural one, he notes.


Though the problem seems to me to be both: The unemployment is cyclical and structural. Most sectors have suffered from the turndown, but job losses are concentrated in some industries: In residential construction, they are down 38 percent since 2006. (Between Aug. 2007 and Dec. 2009, unemployment in construction quintupled from about 5 percent to about 25 percent.) In health care and education, however, jobs are up.


Here is a chart I made from Bureau of Labor Statistics data that shows the phenomenon. (The chart shows total jobs in major sectors since 2005.) Most sectors — retail trade, business services, wholesale trade, finance — have had moderate job losses one could reasonably chalk up to an economy-wide lack of demand. Let’s think of those as sectors characterized mostly by cyclical job loss. Then, there is manufacturing and construction. Jobs there have taken a nose dive, and the problem seems to be structural. Moreover, the job gains in education and health might thought to be structural as well. (Mining and logging isn’t an industry I know a lot about, so I’m not sure what’s going on there.)



That said, the big problem at the root of all of the employment woes remains sluggish demand.


One can also think about the unemployment geographically. Joblessness has tracked up in all states, due to lack of demand. But states with big manufacturing and construction industries — Michigan, Nevada, California and Florida — are suffering from massive structural unemployment, made worse by the foreclosure crisis. (Four years ago, you might have been working in construction in Nevada and overpaid for your house. Today, you’re likely out of a job and, worse, can’t move to a state like North Dakota because you can’t sell the property.)




It’s tough enough to sell a house with home sales in the Twin Cities undergoing the biggest decline in the country, down 42 percent in July year to year. Yet some local governments make it even tougher for homeowners by imposing some of the country’s most onerous before-sale residential inspection ordinances, adding to the cost and red tape of buying and selling a house at the worst possible time.


Currently, fourteen metro-area municipalities have so-called “point-of-sale” ordinances in place, requiring home sellers to pay for a city inspection prior to selling their property. (In some cases, the ordinances are referred to as “time-of-sale” and “truth in housing” inspections.) In fact, in many cases, sellers are required to pay for the inspection before being permitted to put their home up for sale. These inspections are in addition to, not in lieu of, the private inspections for which home buyers routinely pay $300 or more.


That’s because, as several cities readily admit, these ordinances are not intended to help the buyer or seller. They are intended to help the city.


On its website, the City of Richfield states “inspections are not for the benefit of buyer or seller, but are a community effort to maintain the quality of Richfield’s houses and neighborhoods.” Common code violations cited by Richfield inspectors include bare wood, peeling paint, missing or deteriorated window glazing, and clogged gutters.


The laws require sellers to undergo a comprehensive city inspection for potential code violations at an initial cost that varies from $50 to $200, often before allowing the property to go on the market.



“There are already fixed costs when you buy and sell a property and so having these extra costs piled on top of the transaction can really break up a deal,” said Christine Berger of the Minnesota Association of Realtors. “You can potentially lose your dream home. I call them transaction killers.”


Applications typically include a disclaimer like the City of Osseo’s waiver stating the inspection “does not constitute a guarantee or warranty to any person as to the condition of buildings inspected.” The City of St. Paul “does not guarantee or warranty the accuracy of the report,” according to its website.


Homeowners can get slapped with a fix-it list of repairs needed to bring the property into compliance with city codes. Though some cities issue “disclosure only” reports that do not require action, other municipalities require the property owner or the buyer in some cases to make improvements that go beyond potential safety hazards.


“Who among us in our homes doesn’t have something that would get flagged for some reason or other? The health and safety issues are obviously paramount to us,” said Eric Myers of the North Metro Realtors Association. “But we’ve had them flag a bit of mold along the trim in the bathtub where you just haven’t scrubbed it lately.”


In the Minneapolis suburb of Brooklyn Park, inspectors find problems and order repairs in the overwhelming majority of houses being listed, according to city officials. Even if the house doesn’t sell or is taken off the market, the city requires owners to correct not just code violations but so-called “property deficiencies.”


Officials contend the inspections are more important than ever in an economic downturn to protect potential buyers who may not be able to afford a private one. With an estimated 1,000 vacant and foreclosed houses in Brooklyn Park, officials also insist the inspections are necessary to prevent neighborhood blight.


“I don’t think it’s accurate if you want to talk about too much government,” said Robert Schreier, Brooklyn Park’s community development director. “It’s providing a service to the community. We never hear complaints from people buying the houses. The people that are moving in are glad for the inspections.”


While there are no available statistics to measure the impact of point of sale ordinances on housing sales or costs, realtors say cities should offer buyers and sellers incentives, rather than roadblocks, to reduce the glut of foreclosures and attract buyers.


“Essentially what the city is saying is that you Mr. or Mrs. Seller can’t sell unless we say so, unless you have a city inspection and then make all the repairs,” Myers said. “Nowhere else in the country do we know of where they apply the entire code to delay the transaction, as opposed to focusing on a few items like water saving showerheads or energy efficiency items.”


Point of sale inspections may put the onus on sellers today, but it will be on Brooklyn Park city officials before long. The city council will review whether or not to sunset what’s viewed as the most stringent point of sale ordinance in the Twin Cities—and possibly the nation—in 2012.


“I think when the economy turns around, there’s a question of whether the program would continue,” Schreier said. “I think for this time, however, it’s a good program.”

Metro Area Cities with Point-of-Sale Requirements

Bloomington

Brooklyn Park

Crystal

Golden Valley

Hopkins

Maplewood

Minneapolis

New Hope

Osseo

Richfield

Robbinsdale

St. Louis Park

St. Paul

South St. Paul




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