SIP MARKETING GROUP (Rendering Service Complaints)!!!

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SIP Marketing Group was hired by People Media Solution, Inc. to create a website for our media client. Kevin Waltham of SIP Marketing Group was our initial contact and he setup the agreement. The website cost $995.00 w/50% of the payment upfront through PayPal. The project was suppose to be ready to go live within 10 to 15 days of the contract signing. They received the payment on May 5th and we were contacted by their project manager “Lee Waltham” May 11th. Lee Waltham assured us the project would take 10 to 12 days 15 if we needed to revise some things after the initial draft. He stated he would get started on our project ASAP and that we would receive a call from him in the next few days with the 1st draft. This was May 11th!

On May 22nd 2009 11 days after our last conversation we sent Kevin Waltham an email requesting an update on our project. We did not get an email response until 7:11 pm EST May 25th 2009. Sip Marketing Group never had a problem getting on the phone with us over the weekend prior to signing the contract. In the response Kevin Waltham stated they had a family emergency and that he’d been off our project for 10 days with his father in the hospital. He stated he’d give us a call by mid afternoon the next day with a full scope on deliverables and an outline. May 26th came and went with no call from Kevin Waltham or Lee Waltham of SIP Marketing Group. We called Kevin and Lee on May 27th 2009 and left a vm on both office numbers stating that if we did not receive a call by 12pm EST May 27th we would be forced to contact PayPal Account Review Department to start a fraud investigation. Lee Waltham replied to our email the next day May 28th 2009 stating he’d like to give us a call May 29th early morning. We replied to his email stating that time was good for us. We waited by the phone the next day until noon at which we sent Lee Waltham an email letting him know we were waiting for his call. He replied back through his blackberry stating he got the time zones mixed up, but that we could call Kevin Waltham ASAP. We called Kevin several times but only got the voicemail. After not being about to contact Kevin we called and sent Lee an email letting him know that the lack of phone contact was very suspicious because prior to forwarding the money for the project we had no problem getting Kevin and he on the phone. We also requested a full refund because the project to date was 18 days overdue. We sent our final email and left a voicemail on May 29th 2009 requesting a full refund. We also made SIP Marketing Group aware of us taking legal actions because of their lack of communication.

SIP Marketing Group is a Canadian based company. It’s now June 2nd 2009 and we still have yet to get a response from SIP Marketing Group.

"The Worst Is Yet to Come"

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Aaron Task

Yahoo Finance

May 15, 2009

The green shoots story took a bit of hit this week between data on April retail sales, weekly jobless claims and foreclosures. But the whole concept of the economy finding its footing was "preposterous" to begin with, says Howard Davidowitz, chairman of Davidowitz & Associates.
"We're in a complete mess and the consumer is smart enough to know it," says Davidowitz, whose firm does consulting for the retail industry. "If the consumer isn't petrified, he or she is a damn fool."

Davidowitz, who is nothing if not opinionated (and colorful), paints a very grim picture: "The worst is yet to come with consumers and banks," he says. "This country is going into a 10-year decline. Living standards will never be the same."

This outlook is based on the following main points:

With the unemployment rate rising into double digits - and that's not counting the millions of "underemployed" Americans - consumers are hitting the breaks, which is having a huge impact, given consumer spending accounts for about 70% of economic activity.

Rising unemployment and the $8 trillion negative wealth effect of housing mean more Americans will default on not just mortgages but student loans and auto loans and credit card debt.

More consumer loan defaults will hit banks, which are also threatened by what Davidowitz calls a "depression" in commercial real estate, noting the recent bankruptcy of General Growth Properties and distressed sales by Developers Diversified and other REITs.

As for all the hullabaloo about the stress tests, he says they were a sham and part of a "con game to get private money to finance these institutions because [Treasury] can't get more money from Congress. It's the ‘greater fool' theory."

"We're now in Barack Obama's world where money goes into the most inefficient parts of the economy and we're bailing everyone out," says Daviowitz, who opposes bailouts for financials and automakers alike. "The bailout money is in the sewer and gone."

Young Gay Men in Atlanta. "WHAT"

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I was leaving the community farmers market this morning when I came upon 4 gay guys walking and talking. The traffic was moving slow from some reason. (Oh that's right I live in Atlanta) One of the young cats from the side walk says Hey, Hey do you eat booty. He and his crew then walked off laughing. My first reaction was to do what Andre 3000 said you should do on the Aquemini album “Grab them by the neck, throw him against the wall say bitch don’t you every disrespect me never not at all. This didn’t apply because I was in the car. However, “My Belief” I’m not one who believes you are born gay I believe it’s a choice and more so, a DEMONIC spirit men and women have to fight and not give into. I’m also one who believes we are losing our male & female youth to this CHOICE lifestyle because we as Christians don’t speak up “not beat up or bash up” when the moment presents itself. Today for the sake of these 4 youngsters and me it presented itself. At the next light I caught up with the guys again and asked The Comedian “he had to be joking” if he knew me. He smiled and said NO in his neck breaking style! I said the following:

The way you greeted me a few moments ago was neither cool nor appropriate. I don’t know where you’re from or how you were raised, but those types of comments can get you seriously hurt when addressing a MAN. (They all stop smiling after this comment) Your lifestyle is your choice, but don’t you think for one minute that I’m going to sit idly by and let you disgrace our gender! Do we have an understanding? (He says, thank you. Peace and Hair Grease)

Ladies and Gentlemen we’ve got to do better by the kids in our community. We’ve allowed the media, our Government and Schools to tell us how to raise our kids. We’ve stopped being responsible elders to our youth and become fulltime slaves to our jobs. We’ve giving someone else the power to rock the cradle and the hand that rocks the cradle rules the nation. We say we can’t be there, because we have to work. But when the fruit turns out crazy we don’t want to look at the source or the “TREE” that produced the fruit. The next time you see a child out of order and you don’t say anything, know you are as much at fault as their parent.

“Semper Fi”

Scientists see this flu strain as relatively mild

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Karen Kaplan and Alan Zarembo

The Los Angeles Times

April 30, 2009

As the World Health Organization raised its infectious disease alert level Wednesday and health officials confirmed the first death linked to swine flu inside U.S. borders, scientists studying the virus are coming to the consensus that this hybrid strain of influenza — at least in its current form — isn’t shaping up to be as fatal as the strains that caused some previous pandemics.

In fact, the current outbreak of the H1N1 virus, which emerged in San Diego and southern Mexico late last month, may not even do as much damage as the run-of-the-mill flu outbreaks that occur each winter without much fanfare.

“Let’s not lose track of the fact that the normal seasonal influenza is a huge public health problem that kills tens of thousands of people in the U.S. alone and hundreds of thousands around the world,” said Dr. Christopher Olsen, a molecular virologist who studies swine flu at the University of Wisconsin School of Veterinary Medicine in Madison.

Housing Bubble Smackdown: Bigger Crash Ahead

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Due to the lifting of the foreclosure moratorium at the end of March, the downward slide in housing is gaining speed. The moratorium was initiated in January to give Obama’s anti-foreclosure program—which is a combination of mortgage modifications and refinancing—a chance to succeed. The goal of the plan was to keep up to 9 million struggling homeowners in their homes, but it’s clear now that the program will fall well-short of its objective.

Another 20 percent carved off the aggregate value of US housing means another $4 trillion loss to homeowners. In March, housing prices accelerated on the downside indicating bigger adjustments dead-ahead. Trend-lines are steeper now than ever before–nearly perpendicular. Housing prices are not falling, they’re crashing and crashing hard. Now that the foreclosure moratorium has ended, Notices of Default (NOD) have spiked to an all-time high. These Notices will turn into foreclosures in 4 to 5 months time creating another cascade of foreclosures. Market analysts predict there will be 5 MILLION MORE FORECLOSURES BETWEEN NOW AND 2011. It’s a disaster bigger than Katrina. Soaring unemployment and rising foreclosures ensure that hundreds of banks and financial institutions will be forced into bankruptcy. 40 percent of delinquent homeowners have already vacated their homes. There’s nothing Obama can do to make them stay. Worse still, only 30 percent of foreclosures have been relisted for sale suggesting more hanky-panky at the banks. Where have the houses gone? Have they simply vanished?

600,000 "DISAPPEARED HOMES?"

Here’s a excerpt from the SF Gate explaining the mystery:"Lenders nationwide are sitting on hundreds of thousands of foreclosed homes that they have not resold or listed for sale, according to numerous data sources. And foreclosures, which banks unload at fire-sale prices, are a major factor driving home values down."We believe there are in the neighborhood of 600,000 properties nationwide that banks have repossessed but not put on the market," said Rick Sharga, vice president of RealtyTrac, which compiles nationwide statistics on foreclosures. "California probably represents 80,000 of those homes. It could be disastrous if the banks suddenly flooded the market with those distressed properties. You’d have further depreciation and carnage."

In a recent study, RealtyTrac compared its database of bank-repossessed homes to MLS listings of for-sale homes in four states, including California. It found a significant disparity - only 30 percent of the foreclosures were listed for sale in the Multiple Listing Service. The remainder is known in the industry as "shadow inventory." ("Banks aren’t Selling Many Foreclosed Homes" SF Gate)

If regulators were deployed to the banks that are keeping foreclosed homes off the market, they would probably find that the banks are actually servicing the mortgages on a monthly basis to conceal the extent of their losses. They’d also find that the banks are trying to keep housing prices artificially high to avoid heftier losses that would put them out of business. One thing is certain, 600,000 "disappeared" homes means that housing prices have a lot farther to fall and that an even larger segment of the banking system is underwater.

Here is more on the story from Mr. Mortgage "California Foreclosures About to Soar…Again""Are you ready to see the future? Ten’s of thousands of foreclosures are only 1-5 months away from hitting that will take total foreclosure counts back to all-time highs. This will flood an already beaten-bloody real estate market with even more supply just in time for the Spring/Summer home selling season…Foreclosure start (NOD) and Trustee Sale (NTS) notices are going out at levels not seen since mid 2008. Once an NTS goes out, the property is taken to the courthouse and auctioned within 21-45 days….The bottom line is that there is a massive wave of actual foreclosures that will hit beginning in April that can’t be stopped without a national moratorium."

JP Morgan Chase, Wells Fargo and Fannie Mae have all stepped up their foreclosure activity in recent weeks. Delinquencies have skyrocketed foreshadowing more price-slashing into the foreseeable future. According to the Wall Street Journal:

"Ronald Temple, co-director of research at Lazard Asset Management, expects home prices to fall 22% to 27% from their January levels. More than 2.1 million homes will be lost this year because borrowers can’t meet their loan payments, up from about 1.7 million in 2008." (Ruth Simon, "The housing crisis is about to take center stage once again" Wall Street Journal)

Another 20 percent carved off the aggregate value of US housing means another $4 trillion loss to homeowners. That means smaller retirement savings, less discretionary spending, and lower living standards. The next leg down in housing will be excruciating; every sector will feel the pain. Obama’s $75 billion mortgage rescue plan is a mere pittance; it won’t reduce the principle on mortgages and it won’t stop the bleeding. Policymakers have decided they’ve done enough and are refusing to help. They don’t see the tsunami looming in front of them plain as day. The housing market is going under and it’s going to drag a good part of the broader economy along with it. Stocks, too.

FEMA: [National Level Exercise] July 27th to July 31st, 2009

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National Level Exercise 2009 (NLE 09)

National Level Exercise 2009 (NLE 09) is scheduled for July 27 through July 31, 2009. NLE 09 will be the first major exercise conducted by the United States government that will focus exclusively on terrorism prevention and protection, as opposed to incident response and recovery.

NLE 09 is designated as a Tier I National Level Exercise. Tier I exercises (formerly known as the Top Officials exercise series or TOPOFF) are conducted annually in accordance with the National Exercise Program (NEP), which serves as the nation's overarching exercise program for planning, organizing, conducting and evaluating national level exercises. The NEP was established to provide the U.S. government, at all levels, exercise opportunities to prepare for catastrophic crises ranging from terrorism to natural disasters.

NLE 09 is a White House directed, Congressionally- mandated exercise that includes the participation of all appropriate federal department and agency senior officials, their deputies, staff and key operational elements. In addition, broad regional participation of state, tribal, local, and private sector is anticipated. This year the United States welcomes the participation of Australia, Canada, Mexico and the United Kingdom in NLE 09.

EXERCISE FOCUS

NLE 09 will focus on intelligence and information sharing among intelligence and law enforcement communities, and between international, federal, regional, state, tribal, local and private sector participants.

The NLE 09 scenario will begin in the aftermath of a notional terrorist event outside of the United States, and exercise play will center on preventing subsequent efforts by the terrorists to enter the United States and carry out additional attacks. This scenario enables participating senior officials to focus on issues related to preventing terrorist events domestically and protecting U.S. critical infrastructure.

NLE 09 will allow terrorism prevention efforts to proceed to a logical end (successful or not), with no requirement for response or recovery activities.

NLE 09 will be an operations-based exercise to include: activities taking place at command posts, emergency operation centers, intelligence centers and potential field locations to include federal headquarters facilities in the Washington D.C. area, and in federal, regional, state, tribal, local and private sector facilities in FEMA Region VI, which includes the states of Arkansas, Louisiana, New Mexico, Oklahoma and Texas.

EXERCISE OBJECTIVES

Through a comprehensive evaluation process, the exercise will assess prevention and protection capabilities both nationally and regionally. Although NLE 09 is still in the planning stages, the exercise is currently designed to validate the following capabilities:

• Intelligence/Information Sharing and Dissemination
• Counter-Terrorism Investigation and Law Enforcement
• Air, Border and Maritime Security
• Critical Infrastructure Protection
• Public and Private Sector Alert/Notification and Security Advisories
• International Coordination

VALIDATING THE HOMELAND SECURITY SYSTEM

Exercises such as NLE 09 are an important component of national preparedness, helping to build an integrated federal, state, tribal, local and private sector capability to prevent terrorist attacks, and rapidly and effectively respond to, and recover from, any terrorist attack or major disaster that occurs.

The full-scale exercise offers agencies and jurisdictions a way to test their plans and skills in a real-time, realistic environment and to gain the in-depth knowledge that only experience can provide. Participants will exercise prevention and information sharing functions that are critical to preventing terrorist attacks. Lessons learned from the exercise will provide valuable insights to guide future planning for securing the nation against terrorist attacks, disasters, and other emergencies.

Population Reduction 2012

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66% of all U.S. water supplies are currently fluoridated with industrail waste.