Puerto Ricans fear foreclosure as moratoriums begin expiring

Aylsa Torres sighed in relief when she received a letter from her bank two weeks after Hurricane Maria hit. She was among the hundreds of thousands of Puerto Ricans awarded a three-month moratorium on their mortgage payments as the U.S. territory reeled from the storm’s destruction.

Believing she was temporarily freed from those financial obligations, the 46-year-old government worker drained her savings to pay for a $750 generator and $786 worth of repairs for storm damage. But when Torres visited her bank in December, she says, she was shocked to hear that she was behind on payments and that officials threatened to foreclose on her apartment and ruin her credit rating.

Confusion and panic is spreading across this U.S. territory as the majority of moratorium agreements expire this month, with many people discovering they never qualified for the moratorium in the first place or struggling to obtain extensions because they cannot pay what is owed to the banks.

“It’s incredibly frustrating,” Torres said. “You feel like everyone is closing a door in your face. No one has a genuine interest in helping you.”

Legal experts say it is a scene that will repeat itself in the coming weeks and months on an island that already was seeing a sharp rise in foreclosures before the hurricane as a result of an 11-year-old recession that has forced government austerity measures.

Even worse, experts say, many Puerto Ricans stopped making payments on their mortgages after the Sept. 20 storm because they thought the moratorium was automatic, when it was not. The storm knocked out power across the island, the largest blackout in U.S. history, preventing many from learning that they had to contact their bank to request a moratorium, said Ariadna Godreau, a professor and human rights lawyer.

“The big concern now is that mortgage foreclosures are going to spike,” she said. “We’re going to see more homeless people, more homes foreclosed.”

Over almost a decade, the number of repossessed homes in Puerto Rico grew from more than 2,300 in 2008 to above 5,400 in 2016 and an estimated 6,200 or more last year.

After the storm, foreclosures were temporarily suspended, and banks in the U.S. territory offered a moratorium on mortgages for those who qualified, as did the federal government. Moratoriums offered by the U.S. government have been extended to March, but banks have ended theirs.

Banco Popular, which is Puerto Rico’s largest bank, said more than 20,500 clients received moratoriums that expired in December and January. Bank executives say they are working with their clients, but stress that they still need to collect what is owed.

“Those clients that truly are not responding to the bank’s letters are those who really will be at risk of facing a foreclosure,” said Jose Teruel, first vice president of the consumer credit services division at Banco Popular.

Other large Puerto Rico banks declined to provide specific numbers. Oriental said only that 69 percent of its home loans were under moratorium by the end of November, while First Bank said about half of its clients were given moratoriums. Santander said 123,000 of its accounts, including both mortgages and personal and commercial loans, received moratoriums expiring in December and January.

“The three-month moratorium might have seemed generous at first, but in reality, it’s not,” said Maria Jimenez, director of the legal services clinic at the University of Puerto Rico. “There are still people without power, so the ability to generate revenue is not there.”

More than 30,000 jobs were lost after Hurricane Maria, and some 30 percent of small and medium-size businesses remain closed more than four months after the storm, according to the island’s Treasury Department. Meanwhile, more than 30 percent of power customers remain in the dark and many struggle to pay rising utility bills.

Jimenez especially worries about people who cannot afford an attorney but make enough money to be disqualified from free legal services.

“A lot of times these people just freeze,” she said. “There are many who don’t even open the (bank) letters because they have no way to solve the situation.”

Torres has hired a lawyer to handle her case, not an easy decision since most of her salary goes toward costly medication to treat her multiple sclerosis. She owes the bank more than $1,500 and is at a loss over how to pay.

Puerto Rico’s Office of the Commissioner of Financial Institutions said it is collecting more information to better understand the situation. It recently extended a deadline for all banks on the island to submit data, including exactly how many moratoriums were awarded.

It is unclear how banks will handle the mortgages, said Rafael Rodriguez, who oversees a legal aid project involving foreclosures for the nonprofit Legal Services of Puerto Rico. “The expectation we have is that once the moratoriums expire, the massive wave of foreclosures on the island will continue,” he said.

Another woman caught in the mortgage crunch said she doesn’t have the money to make all three payments she owes her bank this month. The woman, who asked to be identified only by her first name, Lillian, because she is embarrassed by her situation, said she used all her savings after the hurricane to get up to date on her mortgage payments so she could qualify for the moratorium. But those payments have left her dependent entirely on her parents for now.

She fears she will have to give up her apartment. “I am incredibly worried,” she said.

The Associated Press contributed to this article.

Proposed law would turn Florida into a vaccine police state: “Women’s Cancer Prevention Act” would mandate mass injections with toxic HPV vaccines

Image: Proposed law would turn Florida into a vaccine police state: “Women’s Cancer Prevention Act” would mandate mass injections with toxic HPV vaccines

(Natural News) Following in the eugenics footsteps of California’s SB 277, Florida lawmakers are now pushing a totalitarian medical police state law that would deny an education to children who aren’t injected with the extremely toxic and risky HPV vaccine.

SB 1551, being deceptively called the “Women’s Cancer Prevention Act,” mandates HPV vaccines in school-aged children, revoking medical choice rights from parents and invoking state-sponsored coercion to force children to be subjected to extremely risky medical interventions, even against the wishes of their parents.

This is the ultimate medical tyranny on display as the state of Florida prepares to nullify parental rights and essentially “medically kidnap” children as required to make sure their bodies are penetrated with — and invaded by — whatever cocktail of viruses and damaging chemicals are manufactured into HPV vaccines (even the doctors and nurses administering these vaccines have no idea what they really contain).

Paralyzed children, toxic shock effects and an outcry from the medical community

As you consider the disturbing fact that coercive state government is attempting to subject children to a risky medical intervention against their will, consider the fact that a boy was paralyzed from the neck down after receiving a Gardasil HPV vaccination. Don’t forget the “horrendous adverse effects” caused by HPV vaccines in Ireland after an Irish vaccine push damaged countless young girls. Pay no attention to the fact that Japan withdrew its support for HPV vaccines following widespread toxic effects that shocked the nation. And most of all, don’t you dare read anything about one of the developers of HPV vaccines, Dr. Diane Harper, who publicly blew the whistle on the toxicity, harm and health risks posed by HPV vaccines, saying:

If we vaccinate 11 year old’s and the protection doesn’t last … we’ve put them at harm from side effects, small but real, for no benefit. The benefit to public health is nothing, there is no reduction in cervical cancers, they are just postponed, unless the protection lasts for at least 15 years, and over 70% of all sexually active females of all ages are vaccinated.

Also, don’t forget how HPV vaccine marketing propaganda is such an outrageous medical fraud that even doctors and scientists are shocked at the brazen fear-mongering employed by the vaccine industry to push their toxic injections. One GlaxoSmithKline employee blew the whistle on the widespread bribery, fraud and marketing deceptions used to push vaccines and other pharmaceuticals.

Don’t forget: HPV vaccine propaganda is all orchestrated by the pharmaceutical companies

Oh, and don’t forget that all these vaccine mandates are, of course, entirely orchestrated by the pharmaceutical companies themselves. As described in this published scientific article called, “Pharmaceutical Companies’ Role in State Vaccination Policymaking: The Case of Human Papillomavirus Vaccination,” researchers discovered that Big Pharma is behind the state vaccine mandates, just as expected. As the study shockingly explains:

Merck promoted school-entry mandate legislation by serving as an information resource, lobbying legislators, drafting legislation, mobilizing female legislators and physician organizations, conducting consumer marketing campaigns, and filling gaps in access to the vaccine. Legislators relied heavily on Merck for scientific information. Most stakeholders found lobbying by vaccine manufacturers acceptable in principle, but perceived that Merck had acted too aggressively and nontransparently in this case.

Conclusions. Although policymakers acknowledge the utility of manufacturers’ involvement in vaccination policymaking, industry lobbying that is overly aggressive, not fully transparent, or not divorced from financial contributions to lawmakers risks undermining the prospects for legislation to foster uptake of new vaccines.

The corruption and collusion behind the vaccine industry is so pervasive that even a medical journal dared question the insanity of modern-day HPV vaccine propaganda, writing:

What is more disconcerting than the aggressive marketing strategies employed by the vaccine manufacturers is the practice by which the medical profession has presented partial information to the public, namely, in a way that generates fear, thus promoting vaccine uptake………It thus appears that to this date, medical and regulatory entities worldwide continue to provide inaccurate information regarding cervical cancer risk and the usefulness of HPV vaccines, thereby making informed consent regarding vaccination impossible to achieve.

(Read more from that study at this SaneVax link.)

The American College of Pediatricians also has serious reservations about the safety of HPV vaccines. From a Vaccines.news article:

The American College of Pediatricians (the College), recently updated its stance on Gardasil, a vaccine for the Human Papillomavirus (HPV), in wake of recent research about the virus and vaccine. The statement notes that there are legitimate concerns about the HPV vaccine that need to be addressed…

The U.K.’s Joint Committee on Vaccination and Immunisation (JCVI) also declared that HPV vaccines should not be given to boys due to their health risks (and lack of benefits).

Eliminating HPV at what cost?

Zombie doctors who are brainwashed to mindlessly push toxic vaccines invoke a distorted logic to justify their medical tyranny. For example, this WPTV.com article interviews a “Dr. Anna Giuliano” who works for the cancer industry. She dutifully claims vaccines can eliminate all cases of HPV, stating, “In my lifetime, we would see in the state of Florida almost no new cases of cervical cancer.”

But at what cost? How many children have to be paralyzed, hospitalized, injured or even killed by HPV vaccines in order to achieve Dr. Giuliano’s pipe dream of a “cancer free” Florida? These brainwashed doctors always talk about preventing cancer but never acknowledge the risks of government-mandated mass medical interventions. Thus, they discard all rationality and engage in “vaccine cult” groupthink. It’s people like this who should have their medical licenses revoked for functioning as nothing more than mindless pawns of the pseudoscience vaccine industry.

By this same twisted logic, every child in Florida should also be treated with mercury vapors because mercury kills bacteria. Vaccine pushers seem to have all conveniently forgotten the first rule of good medicine: First, do no harm.

Attention Floridians: Take action!

This GreenMedInfo.com alert covers two additional bills in Florida — SB 1680 and GB 1045 — and lists a number of very useful links for opposing tyrannical vaccine laws and defending health freedom in Florida.

Although the action deadline mentioned in the article just passed (for SB 1680 and GB 1045, which are different from the HPV vaccine mandate bill), the links at the bottom of the article are still valid for opposing the HPV vaccine mandate.

The vaccine police state is on the march in Florida

Make no mistake: The vaccine police state is extremely active in Florida, and they will not rest until every single child is forcibly injected with an outrageous cocktail of dangerous vaccines (and while enjoying absolute legal immunity from lawsuits, thanks to existing federal law).

From the article linked above:

If you do not know who your Florida State Senator and Representative are or their contact information, you can login to the NVIC Advocacy Portal, click on the “State Teams” tab and then “My State,” and your elected officials are automatically posted on the right hand side of the page http://NVICAdvocacy.org/

CONTACT INFORMATION:

Senate Health Policy Committee: If you click on the Senator’s contact page, you can click on the button that says “Email This Senator” and you will be taken to their web contact form.

Senator Dana Young – Chair: (850) 487-5018: http://www.flsenate.gov/Senators/S1…

Senator Kathleen Passidomo – Vice Chair: (850) 487-5028: http://www.flsenate.gov/Senators/S2…

Senator Lizbeth Benaquisto: (850) 487-5027: http://www.flsenate.gov/Senators/S2…

Senator Lauren Book: (850) 487-5032: http://www.flsenate.gov/Senators/S3…

Senator Dorothy L. Hukill: (850) 487-5014: http://www.flsenate.gov/Senators/S1…

Senator Travis Hutson: (850) 487-5007: http://www.flsenate.gov/Senators/S7

Senator Bill Montford – Bill Sponsor: (850) 487-5003: http://www.flsenate.gov/Senators/S3

Senator Bobby Powell: (850)487-5030: http://www.flsenate.gov/Senators/S3…

Login to the NVIC Advocacy Portal often to check for updateshttp://NVICAdvocacy.org/. Bills can change many times over the legislative process.

Irrefutable, undeniable proof that mercury is still used in vaccines injected into children

Image: Irrefutable, undeniable proof that mercury is still used in vaccines injected into children

(Natural News) Because there has been a malicious disinformation effort to convince doctors, nurses and the public that vaccines given to children don’t contain mercury, I’m posting this letter from the State of California Health and Human Services Agency as proof that mercury is still injected into children via vaccines.

As you can see from the letter, authored by Secretary Diana S. Dooley and dated October 9, 2015, when California ran out of mercury-free vaccines, approval was granted to inject children with mercury-laced vaccines containing Thimerosal, a mercury-based preservative chemical. In the words of Diana S. Dooley:

I am granting a temporary exemption from California Health and Safety Code Section 124172 for seasonal influenza vaccine with trace levels of thimerosal to be administered to children younger than three years from October 9, 2015 through December 31, 2015, because the current supply of thimerosal-free vaccine for young children is inadequate…

Read the full letter yourself at this link. (PDF)

Or read the full text of the letter, below.

As further proof that mercury has not been removed from vaccines, note that there is no federal law or FDA ruling that requires the removal of mercury from vaccines. Mercury is still legal to use in vaccines, and in fact as you’ll see in the California letter, it’s still deliberately used in vaccine injections administered to children. This is not in dispute. Anyone who is not aware of these facts is uninformed.

At any moment, any state health authority can simply declare it’s “okay” to use mercury vaccines on children, just as happened in California. There is no federal law preventing it whatsoever. These orders may, in fact, be made entirely without public knowledge or any attempt by state officials to inform the public.

Thimerosal is made with mercury; it’s purpose is to kill living things (which is why it’s added as a preservative)

Thimerosal, of course, always contains mercury. Thus, the State of California admits that injecting children with mercury in vaccines is perfectly acceptable to governmentwhen the mercury-free vaccines run out.

And guess what happens in an influenza crisis? The mercury-free vaccines run out. All of a sudden millions (or possibly tens of millions of children across the country) are targeted for mercury injections, even as we’re told by the fake news media that “there’s no mercury in vaccines.” That’s as ignorant as claiming there’s no letter “V” in the word “vaccines.”

Mercury, of course, is a brain-damaging toxic heavy metal. No medically trained individual (who isn’t a pawn for the vaccine industry) disputes that. Mercury kills things, which is why it’s added to vaccines in the first place as a preservative. A “preservative” in this context means something that kills living organisms (such as bacteria that might contaminate multi-use vaccine vials). Thus, if mercury wasn’t toxic to living cells, it would have no use as a vaccine preservative.

When I tested the flu shot via ICP-MS, it was found to contain over 50,000 ppb mercury

For further proof that flu shots contain mercury, consider the ICP-MS (mass spec) lab test I conducted in 2014. That lab test revealed flu shots contain a 25,000 higher concentration of mercury than the legal limit of mercury in drinking water set by the EPA.

No one has ever refuted that mass spec analysis. In fact, it was confirmed by vaccine pushers who said “Thimerosal is listed right on the label,” so of course the vaccine contains mercury.

Well that’s my whole point. They just confirmed it yet again. Flu shots given to children contain mercury.

People who say they don’t are either: 1) Ridiculously ignorant of the facts, or 2) Deliberately lying. Or, perhaps, they might be mercury damaged themselves.

While there is vigorous scientific debate over whether mercury, aluminum, MSG, formaldehyde and antibiotics in vaccines causes autism, there is no debate whatsoever that these ingredients are routinely used in vaccines. Even the CDC openly admits it.

Read the full letter from California Secretary of Health and Human Services

State of California

HEALTH AND HUMAN SERVICES AGENCY
October 9, 2015
DIANA S. DOOLEY

SECRETARY
The Honorable Kevin de Leon President pro Tempore State Capitol, Room 205 Sacramento, CA 95814

The Honorable Toni G. Atkins Speaker of the Assembly State Capitol, Room 219 Sacramento, CA 95814

The Honorable Jean Fuller Senate Republican Leader State Capitol, Room 305 Sacramento, CA 95814

The Honorable Kristin Olsen Assembly Republican Leader State Capitol Sacramento, CA 95814

Dear Senate pro Tem de Leon, Assembly Speaker Atkins, Senate Republican Leader Fuller, and Assembly Republican Leader Olsen:

I am writing to inform you that I am granting a temporary exemption from California Health and Safety Code Section 124172 for seasonal influenza vaccine with trace levels of thimerosal to be administered to children younger than three years from October 9, 2015 through December 31, 2015, because the current supply of thimerosal-free vaccine for young children is inadequate.

This exemption was requested by the California District of the American Academy of Pediatrics, the California Academy of Family Physicians, the California Medical Association and the California Immunization Coalition, and has been recommended by the California Department of Public Health (CDPH).

The federal Advisory Committee on Immunization Practices and the CDPH recommend that all persons six months and older, especially young children, receive influenza vaccine each year for their protection.

Young children are at increased risk of severe or fatal illness from influenza. While thimerosal-free formulations of influenza vaccine administered to adults in the United States appear to be ample, there are currently limited supplies of thimerosal-free seasonal influenza vaccine to protect California’s young children, many of whom will need two doses of vaccine for maximal protection.

I have written the manufacturer, Sanofi Pasteur, urging it to take any and all steps necessary to promptly address the shortage of this influenza vaccine, and asking it to provide an immediate and clear timeline on the availability of the vaccine so that all necessary actions may be taken to protect California’s children.

We will continue to assess the need for an extension of this temporary exemption over this period, and will be in regular contact with the manufacturer to assess product availability and to continue to monitor the vaccine supply.

Similar exemptions are in place at present in other states that have restrictions on mercury content, including Illinois and Iowa. I am granting this temporary exemption because of the health risk posed to California by influenza, and because there are inadequate supplies of this vaccine to comply with the law.

In accordance with the intent of the law, during this exemption period immunizers should prioritize available supplies of thimerosal-free vaccine to young children.

Please do not hesitate to contact me at (916) 654-3454 if you have any questions.

Stay informed. Read Vaccines.news for daily updates on vaccine science, composition, side effects and government coercion. Also recommended: WorldMercuryProject.org which documents the toxicity of mercury in vaccines and other forms of toxic medicine.

FBI “secret society” exposed

The Deep State’s war against President Donald Trump has started to unravel — and Tuesday’s bombshell reveal could destroy special counsel Robert Mueller’s investigation of Russian meddling in the 2016 presidential election once and for all.

There exists a “secret society” of anti-Trump agents within the FBI that gather together in secret, offsite meetings to plot their so-called “resistance” against the White House.

This isn’t a fringe conspiracy theory. This claim is straight from the mouth of Minnesota Sen. Ron Johnson, the Senate Homeland Security Committee chairman.

Johnson told Fox News’ “Special Report” on Tuesday about a “secret society” of anti-Trump FBI agents that have clandestine, unofficial meetings to coordinate and undermine the very White House they’ve been tasked with investigating.

The information begs the question: Is the group linked to the disappearance of the 50,000 text messages between FBI agents Lisa Page and Peter Strzok, who had spoken about the “secret society” in the past? The Justice Department admitted to conservative lawmakers Thursday that it inexplicably lost all the texts sent between Dec. 14, 2016 and May 17, 2017 by the two disgraced, outspokenly anti-Trump agents.

FBI leadership has blamed a cellular phone company for the missing texts, and claimed the Samsung 5 mobile phones it provided to employees “did not capture or store text messages due to misconfiguration issues related to rollouts, provisioning, and software upgrades that conflicted with the FBI’s collection capabilities.”

Johnson and Iowa Sen. Chuck Grassley demanded Tuesday that the Justice Department reconcile the lost data immediately. “This is all about making sure that whatever information’s out there is preserved and that eventually, the American people understand exactly what happened inside the highest levels of the FBI,” Johnson told Fox News. The senator added, “I’m suspicious.”

In response to the growing scandal — which has been called “bigger than Watergate” by experts — FBI Director Christopher Wray announced major changes to his senior leadership team Friday.

Officials said Tuesday that Wray, who started the job in August, is replacing two senior officials who were promoted into their roles by his predecessor James Comey. Such changes are not unusual when a new director takes change, but they are notable amid the growing anti-Trump scandal.

Trump has put significant public pressure on Wray to get rid of officials who were confidantes of Comey, who was fired by the president in May.

The Justice Department confirmed that Dana Boente, the outgoing U.S. attorney for the Eastern District of Virginia who has also been acting as head of the department’s national security division, will become the FBI’s general counsel. He replaces James A. Baker, an ally of Comey’s who was reassigned in December.

Wray also claimed his chief of staff, Jim Rybicki, notified him last month of his decision to take a job in the private sector. Zachary Harmon, a former Justice Department official who also worked with Wray in private practice, will be taking Rybicki’s place.

Wray, a Trump nominee, has faced relentless criticism from Republicans over perceived political bias in special counsel Robert Mueller’s probe of possible Trump campaign ties to Russia during the 2016 presidential election, as well as in the handling a year earlier of an FBI investigation of Hillary Clinton’s use of a private email server, which ended without criminal charges.

Trump has been especially critical of Deputy Director Andrew McCabe, who plans to retire from the bureau in March. McCabe’s supervision of the Clinton’s email investigation came under scrutiny because his wife’s Virginia Senate campaign received contributions from Clinton ally Terry McAuliffe’s political action committee.

The president fumed again Tuesday over the scandal —

— Stephen Dietrich, the Associate Publisher of The Horn News, and The Associated Press contributed to this article.

Intel Warns Users Not to Install Its ‘Faulty’ Meltdown and Spectre Patches

intel-meltdown-spectre-patch

Don’t install Intel’s patches for Spectre and Meltdown chip vulnerabilities.

Intel on Monday warned that you should stop deploying its current versions of Spectre/Meltdown patches, which Linux creator Linus Torvalds calls ‘complete and utter garbage.’

Spectre and Meltdown are security vulnerabilities disclosed by researchers earlier this month in many processors from Intel, ARM and AMD used in modern PCs, servers and smartphones (among other devices), which could allow attackers to steal your passwords, encryption keys and other private information.

Since last week, users are reporting that they are facing issues like spontaneous reboots and other ‘unpredictable’ system behaviour on their affected computers after installing Spectre/Meltdown patch released by Intel.

Keeping these problems in mind, Intel has advised OEMs, cloud service providers, system manufacturers, software vendors as well as end users to stop deploying the current versions of its patches until the chip giant develops ‘a solution to address it.’

“We have now identified the root cause for Broadwell and Haswell platforms, and made good progress in developing a solution to address it,” Intel said in a press release published on Monday.

“Over the weekend, we began rolling out an early version of the updated solution to industry partners for testing, and we will make a final release available once that testing has been completed.”

Linus Torvalds Calls Intel’s Meltdown/Spectre Patches ‘Garbage’

Meanwhile, in a public email conversation, Linus Torvalds complains that he is not happy with the Intel’s approach of protecting the Linux kernel from Spectre and Meltdown flaws, saying:

“They do literally insane things. They do things that do not make sense… I really don’t want to see these garbage patches just mindlessly sent out. … I think we need something better than this garbage.” Torvalds said.

Intel patches require users to manually opt-in and enable the fix while their computers boot up when the security patches for such a critical flaw should be applied automatically.

It’s because the ‘Indirect Branch Restricted Speculation’ or IBRS—one of three new hardware patches offered as CPU microcode updates by Intel—is so inefficient that it would result in widespread performance hits if rolled out worldwide.

So in other words, to prevent bad performance in benchmark tests, Intel is offering users to choose between performance and security.

New Intel patches will be available soon. Stay tuned.

Swati - Hacking News
Technical Writer, Security Blogger and IT Analyst. She is a Technology Enthusiast with a keen eye on the Cyberspace and other tech related developments.