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Webster Celebrates the Past
The history of Webster describes a story of fortitude, and selfless contributions of many, some of whom have passed on.
Today, we however celebrate the presence of a number of our members, who happen to belong to the same family... the family of the "Bents". We have been fortunate to be able to source the memories of Freda, Hortense, Dorritt and Peter directly, and the share at first hand with them what it was like to build a Church, and to be committed even then to take its work out to the wider community, even when the Church itself, was still fledgling in its development. Those who were adults: Freda, and Hortense, we salute as our "Founding Members", whom we are happy to have still worshipping with us here at Webster. Those who were young people or children during those early days, we salute as "Foundation Members.
As we listen to the Foundation members, we share the excitement of Audrey McNeil Smith, (as she is named today), as she still smiles at the memory of the "boys", and Dorritt Bent, as she fondly remembers when she became Webster's first Sunday School teacher. We actually visualize and share in the memoirs of Henry Ford and Willis Williams.
Through them, we can record the outstanding contributions to formation by Margaret Stuart, a Deaconess from Scotland, who gave of her service with great generosity, and who also sourced financial contributions that made the construction of our first Church sanctuary possible.
From "Iona House"
to the "Guango tree"
We give thanks for the ministry of the first Pastor, the late Rev. J.A. T Beattie, who led the first official congregation on May 5, 1941, at the home of Margaret Stuart at 51, Half Way Tree Road.
Margaret's home, then called "Iona House," was where the first Church services were held, until lack of space, called for re-location to open air worship under a large tree(variously identified as a 'Guango tree', or a 'Lignum Vitae' tree), reputed to have been close to where our Basic School building now stands. We regard Sunday, May 11, 1941, when the congregation met for its first Communion, as the official start of our Church.
The excitement of the description of the establishment of the Open Air Church is recorded in the "Presbyterian" publication of July 1941, as follows:
"We explored the eight acres around the house, and to our great delight, we discovered an old cement floor, which was at one time a 'byre'. We set to and worked on it.... On Sunday morning it was ready for the Service, and it was really lovely...."
From the "Open Air Church"
to the "Duthie Webster Church":
From the earliest years, Webster members looked to themselves for the necessary finances to make the growth of their Church a reality
From 'bake sales', to self-help activity, to generous donations from members, most of the funds that came from these efforts, resulted in the creation of a first church building built in only the second year of operation
Large contributions from a Lay Pastor from Scotland, named Duthie Webster, supported by a subsequent donation of land, by a local businessman Carl Webster, of the firm J.S. Webster and Sons, led to the transformation of what was then named the 'Open Air Church,' first to the 'Duthie Webster Church', and finally to the Webster Memorial Church.
The Webster Memorial Church
is Born
The first Congregational meeting of the Webster Memorial Church was held, May 19, 1941. David Bent and Lewis Davidson were the first two elders.
They were ordained as Elders June 15, 1941. The following Sunday, (June 22), the daughter of Founding Members, David and Thelma Bent was christened, Dorritt Elizabeth Bent. Her aunt, Dorritt Annette Bent; one of the Church's Foundation members, then only in her teens, was appointed First Primary Leader of the newly launched Sunday school.
In the very active year of 1941; on June 22, the first Youth Fellowship, named the 'Iona Fellowship' was formed, including not only members from the Church but also from the surrounding community—a practice that continues today!
We give thanks for the talent and gifts of Founding member David Bent who designed and built the first Webster Sanctuary, actually on the foundations of the "Open Air Church" as it was then called. The Sanctuary which we now refer to as our "Church Hall," was officially opened during a service held 7:00 a.m. Sunday, November 18, 1942.
Rev. John Beattie
Rev. John Beattie became Webster's first minister in 1941. He served for six years (until 1947), when he returned home to Scotland.
Rev. John Gray
Rev. John Gray followed Rev. Beattie; serving briefly, before leaving for ministry in Grand Cayman.
Rev. Robert Dickson
Webster Memorial's third minister serving for two (2) years from 1949-1951.
Rev. E. Stanley Heavenor
Rev. E. Stanley Heavenor became Webster's fourth Minister, arriving in Jamaica from Scotland in October 1951. He was inducted in the Webster Charge, November 4, 1951. He grew Webster, serving until 1956, and was responsible for the establishment of the new sanctuary, which was officially opened by then Governor, Sir Hugh Foot.
Rev. John Stewart
Rev. John Stewart assumed duties as Interim Minister filling in for about one year.
Rev. W.R.F. McGhie
Rev. W.R.F. McGhie, who remained as Webster's pastor until 1965 is remembered as a powerful preacher, whose sermons "touched the heart"; during his ministry at Webster, membership doubled.
It was also during his tenure, that a small committee of Webster members including Charles Innerrarity, and Mamie Evelyn, with Rev. Henry Ward as Chairman, were given the task of establishing a High School (later named the Meadowbrook High School), which was officially opened in September 1958.The Committee was also commissioned to found a Preparatory School, which was subsequently opened, with Webster member and Elder, Mae Grant, as one of its early Principals.
Subsequent to a decision by the Synod of 1957, the Meadowbrook Church was established in the newly developed Meadowbrook Housing Scheme, as the Extension Charge of Webster. Two Webster members, Daphne Levy and Earl Wiggan, undertook the task of starting the Meadowbrook Sunday School, which met in the School Hall. When the Church building was completed in 1965, Rev. N. Banks was inducted as Meadowbrook's first minister.
Rev. T. A. M. Grant
Rev. McGhie was succeeded in 1965, first briefly by Interim Pastor, Rev. T.A. M. Grant.
Rev. David Lapsley
Rev. David Lapsley assumed office as Webster's Minister in late 1965. Noted for his devotion to the youth, Rev. Lapsley's first move was to abolish the holding of Sunday School in the afternoon, which was not well supported, and instead arranged for it to be held at the same time as the morning service. The upsurge in attendance was described as "remarkable".
It was Rev. Lapsley who also initiated the formation of a second morning service, which was held at 9:00 a.m. to complement the early morning service, then held at 7:30 a.m.
He also introduced Jamaican hymns and music to our Church Services --- a gradual initiation which did not at first win approval from the majority of the congregation of the day!
Free wedding services and receptions for couples living together outside marriage, were also offered as part of the Church's Outreach programme called "Operation Friendship." Work at Majesty Pen, led by John Levy was assisted, and Basic School classes were held in the Church Hall. Exhibitions of paintings by budding artists were held, and Rev. Lapsley became Chairman of the Churches Advisory Bureau, which had umbrella responsibility for social work in Western Kingston.
It was during Rev. Lapsley's tenure that the then Presbyterian Webster, like all of its sister Churches, became part of a union with the Congregational Church, and Webster became, Webster Memorial United Church.
Rev Lapsley left Jamaica and Webster in 1971.
Rev. Clement Thomas
1967 & 1978
For a short period during Rev. Lapsley's tenure, (March to September 1967), Rev. Clement Thomas, served as Interim Pastor. (Rev. Thomas became a oft-seen face at Webster, serving for short periods whenever called upon, and for longer periods as he did in latter years, January to September 1978.)
Rev. Dr. Francis Hayward
During the period March to September 1971, the void left by Rev. Lapsley, was temporarily filled by Interim pastor, Rev. Dr. Francis Hayward. During his short stay, Rev. Hayward, (an American), guided and organized a programme of Stewardship, with the objective of encouraging members to undertake responsibility for the Church's financial obligations.
Rev. John Dunlop
Rev, John Dunlop of Ireland came to Webster in 1971, from Lambs River Church in Westmoreland. Under his ministry, there was a dramatic change in the administration of the finances of the Church. Building on the initial work of the Rev. Dr. Hayward on 'Stewardship', the Board of Management which previously managed the operations of the Church was disbanded, and replaced by a number of Committees, namely, Finance, Stewardship, Evangelism, Christian Education, Youth, Property, and the Women's Guild.
Webster was transformed from a Church struggling to meet its financial obligations through the regular giving of time, talent and financial resources, to one in which was now able to meet its expenses, in most cases, with a surplus! This was achieved without the use of fundraising activities, such as fairs, or suppers, as was previously done.
The term of 'Elder' was also changed to a three-year rotation. There were Evangelistic Campaigns, there were Elders' Conferences and Retreats, there were Youth weekends, and new music was introduced in the worship service.
The Webster Basic School was established in 1972, and the Boys' and Girls' Brigade were formed. The property at 10, Carlton Crescent was purchased. The Church purchased a new pipe organ.
In 1977, Webster continued its tradition of outreach by establishing a new Charge at Portmore, St. Catherine. Named the Portmore United Church, the Church was well supported by Webster. The Rev. Gordon Evans became Portmore United's first minister. For a brief seven months during his stay at Webster, the Rev. Dunlop was called back to Ireland. During that time, Rev. Clifford Campbell served as Interim Minister. Rev. Dunlop left Webster and Jamaica to return to Ireland, in 1978.
Rev. J. Oliver Daley
The Rev. J. Oliver Daley was Webster's first local son to serve as full-time Minister. He succeeded Rev. Dunlop in 1978, and stayed for 21 years!
Over this period the Church grew; more than doubling its membership from 400 to about 900, with members drawn from the parishes of Kingston and St Andrew and St. Catherine, and even beyond!
The scope of the Church's ministry was broadened. In 1982, a new Discipleship Training Programme was instituted to deepen the spiritual life of members through Prayer and Bible Study.
The Eden Garden Social Services Centre was established in 1986, expanding Webster's Social Services ministry by providing services in counseling, dental and medical care, hot meals, the distribution of food packages to the needy and indigent, skills training, and care for the elderly.
The Skills Training Programme was instituted, providing training in Sign Art painting, Drapery-making, and Sewing. A Hot meal programme catered mainly to the elderly.
Twinning between Webster and the St James United Church in Simcoe, Canada was established, through a newly formed Nominations and Twinning Committee in 1987. Annual exchanges between the two congregations were organized. A "Cell Ministry", formed to deepen spiritual life and fellowship was formed throughout the membership, with the Kingston, St Andrew and St Catherine areas divided into Districts, in which Cell Groups were formed.
A Senior Citizen's Home was established in 1989, and named the Rolph Grant Senior Citizens' Home after former Elder, Rolph Grant, to provide care for the well-elderly.
A Sunday evening 6:30 pm Bible Study was reintroduced, with emphasis on Prayer and Bible Study. In 1990, the Webster Basic School which was destroyed by Hurricane Gilbert in 1988, was re-built and expanded and renamed the Webster Infant Centre. Webster and Meadowbrook collaborated in the establishment of a United Church in Eltham.
HISTORICAL NOTE: In December 1992, with the joining of the United Church of Jamaica and Grand Cayman, with the Disciples of Christ, the United Church in Jamaica and the Cayman Islands (UCJCI) was formed. Webster, New Bethlehem, and Bushy Park, Churches in Llandewey, became one Charge with members from Webster providing Pastoral leadership there, as well as through an Outreach Ministry to two Churches under the Castleton Charge.
As the Church continued to grow, for the first time the post of Pastoral Assistant was established with Mrs. Julia Allen installed in that role on March 15, 1992 with specific responsibility for "shut-ins", and the Church's "Discipleship Programme".
In September 1997, the Rev. Gary Harriott was appointed Associate Pastor. He had special responsibility for the Church's Youth Programmes, and was successful in initiating significant growth in that Ministry. Rev. Harriott ended his term of office at Webster, October 31, 1999.
During the period of Rev. Daley's ministry at Webster, the Church grew, literally bursting at its seams. Expansion was urgently needed. An Expansion Committee was formed, chaired by Elaine Commissiong, with team members, Rose Henry, Elvira Edwards, Hermine Samuels, Linda O'Sullivan, Sharon Davis, Ryland Grant and Henry Hall. They were given the task of raising $5million to make well-needed extensions to the existing Sanctuary. The team not only raised the required amount but through the generosity of the congregation, exceeded it!
Accommodation was accordingly increased from 322 persons to approximately 700 persons with the addition of South and North wings to the sanctuary, allowing the Church to assume the layout of a cross. Through the skilled dedication of Webster members, Reynold Scott, Bernard Shaw, Donald Nembhard, Astley Burnett, Roy Nelson, and Glester Johnson; the Church was "destroyed" and rebuilt each week, so as to allow for worship services each Sunday. Not a single worship service was missed! The newly expanded Church also included the addition of a Columbarium, named the "A. J. and Iris Mc Dowell Columbarium", in memory of the couple who had made an initial donation. The columbarium was also funded through money donated by other Webster members as well as through funds raised for the expansion of the Church including special donations from the Women's Fellowship. The Columbarium was officially opened in a special service of Consecration, Sunday, May 9, 1999.
On the first Sunday in July, 1999, Rev. J. Oliver Daley, preached his last sermon at Webster as its Senior Minister.
Rev. Dr. Lewin Williams
Rev. Dr. Lewin Williams served as Interim Minister until the new Minister was called.
Rev. Norbert Stephen
The Rev. Norbert Stephen assumed office as Webster's new Senior Minister on October 1, 1999. A dynamic preacher, whose themes and sermons encouraged introspection, Rev. Stephen's first act was to motivate discussion and analysis of the Vision and Mission of the Church.
He identified three areas of focus for his Ministry at Webster to include: Worship, Congregational Involvement and Nurture. He espoused the establishing of an intergenerational approach to worship. The concept of the "Family Church"; he described, as a Christian principle that reflects an inclusive and dynamic community.
He challenged the congregation to the formation of Ministry Groups and to ask the question, "What is it that God wants me to do here?" In his thrust to engage the youth, while at the same time ministering to the wider congregation; a bus was purchased, enabling transport of young people to and from engagements outside of the Church. "Movie Nights" were instituted as a means of engaging persons in a social setting; a building was constructed to house the Sunday School.
A website was established. With the newly expanded sanctuary, now with north and south wings, visibility and participation was enhanced by the installation of an audio-visual system complete with screens enabling the projection of hymns and readings to the congregation.
An Outreach Project in Information Technology afforded certified training for young people and a newly formed "In-Reach" Ministry sought for the first time, to respond to emergency financial needs of members within the congregation. A comprehensive Administrative Block was constructed with a state-of the art Board Room; a Senior Life Ministry was established; and the offerings of the Community Care Ministry were further broadened to more effectively respond to the needs of members of the wider society.
During Rev. Stephen's ministry at Webster, Rev. Norman Francis came to Webster in September 2000 as Graduate Intern. He was inducted November 2001, and assumed the post as our second Associate Minister in February 2002, - a post he held until July, 2004.
Yet the ongoing challenge not only for Webster but also for the entire United Church was a gradual but steady decline in membership.
HISTORICAL NOTE: The response to this unsettling phenomenon by the UCJCI, had resulted in a detailed and comprehensive survey, and after four years of study, the decision was taken that the entire United Church should completely revamp itself; its administration, and manner of operation, so that it would be able to more effectively respond to the needs of its members and others in the wider society.
The final series of studies which involved numerous small group meetings with all the Churches Ministry Groupings in Jamaica and the Cayman Islands, was carried out under the leadership of then UCJCI General Secretary, the Rev. Dr. Collin Cowan, by Consultant, Mrs. Elaine Commissiong, with the assistance of UCJCI Communications Coordinator, Ms. Marsha Martin. After numerous drafts, on July 10, 2008, at a special sitting of Synod, in an overwhelming affirmation of over 99%, ministers and leaders of the United Church voted 'yes' to a proposal to engage in a programme of "Renewal and Transformation" of the United Church in Jamaica and the Cayman Islands (UCJCI).
"Renewal and Transformation", therefore became the mantra, and focus of worship for Webster Memorial United Church, as new ministry groups were identified, and a Change Team established to manage the process to Renewal and Transformation. As part of the operational change of the United Church, four Deputy General Secretaries were appointed to preside over geographically delineated Councils, to help bring closer to local congregations and their ministers within them, the help they would need to empower their congregations to function as the focal point of development and growth. As part of the change, Rev. Norbert Stephen was appointed Deputy General Secretary for the North Eastern, Regional Mission Council (NERMC). On August 2009, Rev. Stephen said goodbye to Webster, to assume that post.
Rev. Raymond Coke
Rev. Raymond Coke served as Interim Minister (August – December 2009), while the Church prepared to call a new Minister to succeed Rev. Stephen.
Rev. Astor Carlyle
Astor Carlyle hails from the cool hills of Mount Olivet, Manchester, where under the nurturing and discerning guidance of the leaders at the Mount Olivet United Church, he candidated for ordained Pastoral ministry within the United Church in Jamaica and The Cayman Islands.
The Knox Complex of Schools, in Clarendon, provided the base for his educational development.
A graduate of the United Theological College of the West Indies [UTCWI], and The University of the West Indies , he holds a BA in Theology and a Diploma in Ministerial Formation.
Rev. Carlyle, since graduating from UTCWI in 2000, served the Greendale Charge of United Churches in St. Catherine for 9 years, and assumed Pastoral responsibilities for the Webster Memorial United Church in January of 2010. He is noted for his gifts in Preaching, Bible Studies, and faithful care of his parishioners.
He has a keen passion for Church renewal and community transformation, and has been widely engaged in overseas programmes with Council for World Mission.
Rev. Carlyle is currently enrolled as a Masters Student at the International University of the Caribbean where the focus of his studies is Transformational Leadership.
Rev. Carlyle has been married to Keisha and they bask in the joy of parenting Abigail, their daughter, and Khaeron, their son.


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Renegotiated NAFTA Text Is Out
Email Your Member of Congress
The NAFTA renegotiation includes some important improvements for which we have long advocated and some new terms we oppose. More work is required to stop NAFTA's ongoing job outsourcing, downward pressure on our wages and environmental damage.
Urge your member of Congress to demand that the administration finish the job by settling on a final deal we can support. Even with some important gains, the new NAFTA text contains some outrageous provisions that should be removed, and plenty still is missing.


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It's one of those chicken-or-egg deals when it comes to the growth of the arts community in Franklin and Williamson County.
Did the artists arrive first and draw more of their kind, or is it simply that the area itself, with its various lifestyles, attitudes, historic landmarks and dedicated green space, that draws artists on its own?
Regardless of which scenario you hold true, the arts aid the health, growth and community psyche – represented by guitar-pullers at local pubs or the historic 300-seat theater, murals covering walls inside and outside buildings, an acclaimed tailor to the stars and a growing alliance of visual artists intent on preserving the rural majesty, just to list some.


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President's Message
David Hamilton P.E., G.E., Hamilton & Associates
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CalGeo has 30% growth in the last year, be a part of the excitement! Check out our Members Club page for helpful tips and teachings to help you succeed in your geotechnical business career.
Here's to another successful year!
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Search CFLA's Article Archive:
Mortgage Quality Control Job
dragjobs.com | December 30, 2014
Providing guidance on the design, development, and implementation of automated processes. Our Miami based client is looking for a Data Analyst with with both technical & functional expertise.
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Piggish bankers went whole hog to abuse consumers in 2014
chicagotribune.com | December 28, 2014
The end of the year occasions awards season in all industries, and the world of personal finance is no exception, which brings us to the 2014 edition of the Piggy Bank Awards for Dubious Achievements in Consumer Finance or, for short, "The Piggies."
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Credit Suisse must face $10bn mortgage-fraud lawsuit
dawn.com | December 28, 2014
NEW YORK: Credit Suisse Group has been ordered to face a $10 billion lawsuit by New York's attorney general accusing the Swiss bank of fraud in the sales of mortgage-backed securities before the 2008 financial crisis. A New York State Supreme Court justice rejected the bank's request to dismiss the case, a move that gives leverage to Attorney General Eric Schneiderman to demand internal bank documents and force a settlement. New York demonstrated the bank may have engaged in misconduct, Justice Marcy Friedman said in a Dec 24 decision, allowing the suit to head toward trial.
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Issuers of mortgage-backed securities have 1 year to comply with risk rule
marketwatch.com | December 26, 2014
WASHINGTON (MarketWatch)—Originators of residential mortgage-backed securities will have a year to comply with a risk-retention rule under the Dodd-Frank law. In October, the Federal Reserve Board of governors, along with five federal agencies including the Securities and Exchange Commission, voted to approve a risk-retention rule that would require sponsors of asset-backed securities to retain at least 5% of the credit risk of the assets collateralizing the issuance.
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Federal Regulators Publish Final Risk-Retention Rule
nationalmortgagenews.com | December 26, 2014
Federal regulators formally issued a final risk retention rule for mortgage securitizations, a long-awaited and hotly debated measure that is nevertheless expected to have little market impact when it takes effect a year from now.
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Wells Fargo, HSBC Among Banks Sued Over Subprime Securities
bloomberg.com | December 26, 2014
Wells Fargo & Co. (WFC), HSBC Holdings Plc (HSBA), Bank of New York Mellon Corp. (BK) and Deutsche Bank AG (DBK) were sued by an Irish securities firm that claims the banks failed to protect investors in their role as trustees of securities backed by home loans that defaulted after the 2008 credit crisis.
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Ocwen's billionaire chairman to step down after company agrees to pay $100M penalty
bizjournals.com | December 26, 2014
Ocwen Financial Corp.'s billionaire executive chairman will resign while the company pays a $100 million penalty as part of a legal settlement with the New York Department of Financial Services. Ocwen used to be based out of West Palm Beach before it moved to Atlanta, but still has an office here. Ocwen's chairman William Erbey could step down by mid-January as part of a proposed consent order, according to the Palm Beach Post. Ocwen also will pay $50 million in restitution.
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Citigroup Mortgage Settlement Approval Sought by Trustees
bloomberg.com | December 23, 2014
Trustees for mortgage bond investors asked a New York court to approve a $1.13 billion settlement reached in April with Citigroup Inc. (C) as the bank seeks to resolve liabilities for loans it packaged and sold in the run-up to the 2008 financial crisis.
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U.S. court narrows mortgage lawsuit against Bank of NY Mellon
reuters.com | December 23, 2014
Dec 23 (Reuters) - A U.S. appeals court on Tuesday threw out most of the claims in an investor lawsuit against Bank of New York Mellon Corp as trustee for subpar mortgage-backed securities involved in an $8.5 billion settlement by Bank of America Corp.
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Congress gives distressed homeowners Christmas gift
reuters.com | December 23, 2014
In the last fiscal year, the federal government recovered a record $5.69 billion under the False Claims Act, which means the payouts to the whistleblowers, who play a crucial role in exposing cases of fraud, have been some of the biggest ever.
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Foreclosure Statistics: Third quarter of 2014 Provisional Data
December 23, 2014
The registration of certifications of foreclosures begun in the land register decreases 29.5% as compared to the previous quarter and increase 10.5% in its annual rate. The registration of certifications of foreclosures begun on regular dwellings records a 29.4% quarterly decrease and a 13.5% annual increase.
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NY Requires Ocwen Reforms, $150M Homeowner Help
nytimes.com | December 23, 2014
ALBANY, N.Y. — New York financial regulators have reached a settlement with Ocwen Financial Corp. requiring the nation's largest subprime mortgage servicer to reform its practices and provide $150 million to help struggling New York homeowners.
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Sixth Circuit Rejects Claims Challenging Loan Securitization and Denial of HAMP Loan Modification
babc.com | December 23, 2014
On Friday, December 5, 2014, the United States Court of Appeals for the Sixth Circuit recently issued its decision in Thompson v. Bank of America, et al., --- F.3d ---, No. 14-5561, 2014 WL 6844931, a case involving various statutory, tort, and contractual challenges to the securitization of a mortgage loan and the denial of a loan modification under the Home Affordable Modification Program ("HAMP"). In an opinion designated for publication, the Sixth Circuit affirmed the district court's dismissal of the lawsuit, holding that the borrower did not state any claim for relief.
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Citigroup Mortgage Settlement Approval Sought by Trustees
bloomberg.com | December 23, 2014
Trustees for mortgage bond investors asked a New York court to approve a $1.13 billion settlement reached in April with Citigroup Inc. (C) as the bank seeks to resolve liabilities for loans it packaged and sold in the run-up to the 2008 financial crisis.
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A Second Bank of America Whistle-Blower Is Set to Get $56 Million
dealbook.nytimes.com | December 19, 2014
Robert Madsen, one of four whistle-blowers in the federal government's $16.65 billion civil settlement with Bank of America, said keeping secret his cooperation with federal prosecutors for nearly four years had not been easy.
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U.S. Regulators Approve Risk Retention Rules For Mortgage Backed Securities
consumerfinancewatch.com | December 18, 2014
On October 22, 2014 The Office of the Comptroller of the Currency, Treasury; Board of Governors of the Federal Reserve System; Federal Deposit Insurance Corporation; U.S. Securities and Exchange Commission; Federal Housing Finance Agency (FHFA); and Department of Housing and Urban Development adopted rules to implement the credit risk retention requirements of the Dodd-Frank Wall Street Reform and Consumer Protection Act.
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Congress votes unanimously to extend SCRA one-year foreclosure protection period
dealbook.nytimes.com | December 18, 2014
Congress has unanimously approved legislation to extend until January 2016 a provision of the Servicemembers Civil Relief Act (SCRA) that prohibits foreclosing on a servicemember's house for one year following the servicemember's return from active duty. The CFPB has made SCRA compliance a priority issue.
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Connecticut's Foreclosure Picture Improves As Auctions Decline
courant.com | December 14, 2014
Home foreclosure auctions in Connecticut fell for the first time in nearly two years in November, a new report Thursday shows, a sign that pressure from foreclosures on the state's housing recovery is lifting. Auctions — a major driver of the state's foreclosure activity in recent months — fell 19 percent in November, to 178 from 221 a year earlier, according the RealtyTrac, which tracks and markets foreclosed properties. RealtyTrac releases statistics nationally and state-by-state each month.
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Quiet Title Information from Florida Attorney Robert Peters
youtube.com | December 14, 2014
Looking for investment property in Florida? If you purchase a tax deed you need to have a clear title on that property before you find a buyer. Let Attorney Robert Peters help you with filing a Quiet Title Action in Florida.
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Largest Tax Fraud, Security Fraud, and Bankruptcy Ever - Greg Morse
redpillreports.com | December 14, 2014
Greg Morse, one of the earliest whistleblowers of the S&L frauds of the 1980's, makes the case that the mortgage derivatives that crashed in 2008 were the biggest tax evasion in history and the biggest securities fraud in history. He also alleges the money was passed through Swiss banks to fund black ops, overthrow governments and other criminal activity. It's reminiscent to Iran-Contra except the funding for their illegal activity isn't coming from selling weapons to Iran or crack cocaine to Americans but from gambling with the mortgages of Americans, destroying the chain of title and collapsing the wealth of Americans.
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Justice Is Blind To Those Who Can't Afford It
mintpressnews.com | December 14, 2014
WASHINGTON — Two days after a Staten Island grand jury acquitted NYPD Officer Daniel Pantaleo in the death of Eric Garner, banking and financial services giant BNP Paribas S.A. (BNPP) was able to delay sentencing that would force it to pay $8.9 billion for pleading guilty to violating U.S. sanctions regulations. Nobody at the global banking giant is likely to be prosecuted, and nobody will serve time.
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2 former TierOne executives charged with fraud
omaha.com | December 14, 2014
The former chief executive of failed TierOne Bank pleaded not guilty to white-collar criminal counts Wednesday. Earlier this week, the company's ex-president pleaded guilty in the biggest Nebraska bank failure during the 2008-era financial crisis. Gilbert Lundstrom, CEO of Lincoln-based TierOne from 1999 to 2010, was indicted this week by a federal grand jury in U.S. District Court in Lincoln.
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Fannie Mae and Freddie Mac suspend foreclosure evictions during holidays
housingwire.com | December 14, 2014
Fannie Mae and Freddie Mac will suspend evictions of foreclosed single-family properties during the holidays from Dec. 17, 2014 though Jan. 2, 2015. Families living in foreclosed properties will be allowed to remain in the home, although legal and administrative proceedings for evictions may continue.
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Fannie Mae Taps Reinsurers in Mortgage Risk-Sharing Deal
businessweek.com | December 14, 2014
Fannie Mae bought insurance to cover a portion of losses on $6.4 billion of home loans in the mortgage giant's latest effort to share risks with private investors. The policy will cover as much as $193 million of losses on a pool of mortgages with a group of domestic reinsurers taking on that risk, according to a statement from the Washington-based company (FNMA:US) today. The loans backing the debt were acquired by Fannie Mae in the first quarter and have 30-year terms.
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Carney: No quick end to GSE conservatorship
seekingalpha.com | December 14, 2014
"The only way to responsibly end the conservatorship is through legislation," said Treasury's Michael Stegman recently, dashing hopes the President might do for Fannie Mae (OTCQB:FNMA -2.2%) and Freddie Mac (OTCQB:FMCC -2.1%) what he recently did for immigration (i.e. end a legislative stalemate by making an executive order).
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TILA-RESPA Video; Update on CFPB's Exams, Financial Condition and Civil Penalty Fund
youtube.com | December 14, 2014
Winston Churchill said, "There are a terrible lot of lies going around the world, and the worst of it is half of them are true." Figures don't lie, right? For folks who like lists, Yahoo, interestingly enough, picked up a story on the largest lenders and servicers out there. It is an interesting study in the momentum of non-bank players.
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Freddie Mac Announces Holiday Eviction Moratorium Between December 17, 2014 and January 2, 2015
sanfrancisco.cbslocal.com | December 14, 2014
MCLEAN, VA--(Marketwired - Dec 9, 2014) - Freddie Mac (OTCQB: FMCC) today announced a nationwide suspension of eviction lockouts between December 17, 2014 and January 2, 2015. The moratorium applies to all foreclosed occupied single family homes and 2-4 unit properties that had Freddie Mac owned-or guaranteed mortgages.
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5 Real Estate Investors Indicted For Fraud, Bid Rigging At East Bay Foreclosure Auctions
sanfrancisco.cbslocal.com | December 14, 2014
SAN FRANCISCO (CBS SF) — Five real estate investors were indicted Wednesday on nine counts of fraud and illegally rigging bids at foreclosure auctions in Contra Costa County, officials at the Department of Justice said. The indictment charges real estate investors John Michael Galloway, Nicholas Diaz, Glenn Guillory, Thomas Joyce, and Charles Rock with participating in a conspiracy to defraud mortgage holders and others by rigging bids at foreclosure auctions.
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Getting a mortgage is about to get easier
foxct.com | December 10, 2014
NEW YORK (CNNMoney) — For years now, if you didn't have near perfect credit and a hefty 20% down payment, chances were slim that lenders would give you a mortgage. But that's all about to change. That's because Fannie Mae and Freddie Mac, the two government-backed mortgage giants that backstop a majority of all mortgages, have put new lending guidelines in place that should make it easier for borrowers to secure loans.
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Checks on way to Floridians who suffered mortgage abuses
realtime.blog.palmbeachpost.com | December 10, 2014
Florida Attorney General Pam Bondi is expected to announce today that more than 14,000 Floridians who were clients of Ocwen Financial Corp. mortgage servicing will receive checks totaling $16 million this week.
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Deutsche Bank Sued for Tax Fraud; 3% Downpayments Make Comeback
americanbanker.com | December 10, 2014
Shell Shock: Deutsche Bank is accused of owing the U.S. government more than $190 million in taxes, penalties and interest in a lawsuit filed Monday by federal prosecutors in Manhattan. The allegations against the German lender are pretty complicated, as the New York Times warns its readers. The basic charge is that back in 2000, Deutsche wanted to avoid paying capital gains taxes on the appreciated value of Bristol-Myers Squibb stock it had recently acquired—so it sold the shares to shell companies in a way that allowed it to dodge tax liabilities. "
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8 Critical Steps for First-Time Home Buyers
fool.com | December 7, 2014
Even for experienced home buyers, the buying process can be a bit overwhelming. Not only must you choose a house, which is a major undertaking in and of itself, but you must also navigate negotiations, legal paperwork, appraisals, banks, and much more.
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What does securitization have to do with the foreclosure crisis?
avvo.com | December 7, 2014
Securitization is the process by which mortgages are purchased, bundled together, and sold as stocks which are known as Residential Mortgage Backed Securities (RMBS). HUD created the first RMBS in 1970 and they were managed first by Ginnie Mae and later by Fannie and Freddie which approved the loans for securitization and sale to investors. RMBS were a good business at first, back when only prime loans were being securitized and I remember investing in a few myself.
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New York City: Aggressive "Broken Windows" Policing but Carte Blanche for Banksters
opednews.com | December 7, 2014
New York City exemplifies two perverse criminal justice policies that drive many criminologists to distraction. It is the home of the most destructive epidemics of elite financial frauds in history. Those fraud epidemics hyper-inflated the housing bubble and drove the financial crisis and the Great Recession. The best estimate is that the U.S. GDP loss will be $21 trillion and that 10 million Americans lost their jobs. Both numbers are far larger in Europe.
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Justice Dept. Sets Fraud Recovery Record; Half of Amount Comes from Bank of America and Johnson & Johnson
sanfrancisco.cbslocal.com | December 7, 2014
The Department of Justice under President Barack Obama has made it a priority to go after corporations for committing fraud and false claims, and officials have the dollar amounts from the settlements to show for it.
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5 Real Estate Investors Indicted For Fraud, Bid Rigging At East Bay Foreclosure Auctions
sanfrancisco.cbslocal.com | December 7, 2014
SAN FRANCISCO (CBS SF) — Five real estate investors were indicted Wednesday on nine counts of fraud and illegally rigging bids at foreclosure auctions in Contra Costa County, officials at the Department of Justice said.
Read more
Real Estate Investor Agrees to Plead Guilty to Bid Rigging
mortgagefraudblog.com | December 5, 2014
Garry Wan, Concord, California, a Northern California real estate investor, has agreed to plead guilty for his role in conspiracies to rig bids and commit mail fraud at public real estate foreclosure auctions in Northern California.
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Virginia Beach doctor sentenced for loan fraud
fredericksburg.com | December 5, 2014
NORFOLK — A Virginia Beach doctor convicted of defrauding lenders will spend nine years in prison. Irfan M. Jameel was sentenced Tuesday in U.S. District Court in Norfolk.
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Canadian households' $1.5 trillion debt; two thirds of which are home loans
mortgagebrokernews.ca | December 5, 2014
TORONTO — Canadians continue to pile on debt and now collectively owe more than $1.5 trillion, according to the latest figures from Equifax Canada. The consumer credit rating agency says the level at the end of the third quarter was up 7.4 per cent from $1.409 trillion a year ago.
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Escrow Agent Sentenced for Investment Scheme
mortgagefraudblog.com | December 5, 2014
Stephen J. Cormier, 42, Nokomis, Florida, the sole owner of a title insurance company, was sentenced by Senior U.S. District Judge Susan C. Bucklew to three years and five months in federal prison for his role in a conspiracy to commit wire fraud. As part of his sentence, the Court also entered a money judgment in the amount of $4.7 million, the proceeds of the fraudulent scheme.
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JPMorgan Is Said to Put Mortgage-Bond Trader on Leave
bloomberg.com | December 5, 2014
JPMorgan Chase & Co. (JPM) put another of its mortgage-bond traders on leave, the latest in a string of suspensions amid regulatory scrutiny of the market, according to three people with knowledge of the move. The employee, Joshua Banschick, was told not to come in during the past week, said the people, who asked not to be named because the decision wasn't public.
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Understanding Securitization & Foreclosure
getoutofdebtfree.org | December 5, 2014
Bank A issues a mortgage to ME to purchase a house. Two documents are produced, a promissory note and a trust deed. The trust deed is essentially the title of the property that is held in trust until the promise to repay the loan (promissory note) is satisfied. Once the loan is paid in full Bank A releases its claim on the Trust deed and ownership passes in full to ME.
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CrossWinds Winery
Contact Information
- Address
- 621 Hershey Rd.
Hummelstown, PA 17036
- Phone
- Web
- www.crosswindswinery.com/
- Wine Tasting
- Tasting offered: Yes
- Mon-Tue: No hours specified
- Wed-Thu: 12:00pm - 6:00pm
- Fri: 12:00pm - 7:00pm
- Sat-Sun: 12:00pm - 6:00pm
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Wineries / Vineyards Near CrossWinds Winery
West Hanover Winery - Harrisburg, PA - 2.3 miles
Spring Gate Vineyard - Harrisburg, PA - 4.6 miles
Cullari Vineyards and Winery - Hershey, PA - 6.3 miles
Vineyard at Hershey - Middletown, PA - 8.6 miles
View more Pennsylvania Wineries
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This winery information last updated: Nov 30, 1999


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Planning ahead is the cardinal principle of home entertaining. In case I was not clear: Planning ahead is the cardinal principle of home entertaining. This year Halloween falls on a Saturday. The key to my goal for you — one relaxed hour before guests arrive — is to begin your planning at least one weekend before your party. If you are planning a Halloween Party, your planning should be complete by Friday, the 23rd so that you can have the entire weekend of the 24th and 25th plus the week leading up to the 31st to complete your tasks.
Planning starts with thinking. In the coming week I will help you start thinking about your halloween party. But as this is the time folks begin carving their halloween pumpkins, I wanted to get this recipe to you.
Noah's Spicy Roasted Whole Pumpkin Seeds
Oh the shame of the discarded pumpkin seed from jack-o-lanterns from around the world. Thursday evening as I was getting ready to Cook with Rick Nichols, Noah assisted in hallowing out a pumpkin to serve as a seasonally appropriate container for a big mum plant – a quick and easy centerpiece. Noah, my 22-year-old son — who is currently living on our couch while he helps us manage our new operation at the Franklin Institute — and a budding cook, roasted the seeds. I share Noah's recipe here.
1 cup rinsed and towel dried pumpkin seeds
1 teaspoon vegetable oil
1 teaspoon ground cumin
1 teaspoon Old Bay
1/2 teaspoon sweet paprika
2 teaspoons kosher salt
Note: To prepare pumpkin seeds for roasting, scrape pumpkin seeds and pulp from pumpkin. Separate seeds from large clumps of pulp. Place seeds and remaining pulp in a large bowl of water and with your fingers work to pull away pulp from seeds. The seeds will float to the top. With a slotted spoon, skim off pumpkin seeds. Discard water with bits of pulp. Repeat until nearly all of the stringy pulp is gone. Drain seeds through colander. Dry seeds well between layers of towel. Seeds will stick to towel. It helps to scrape them away with a blunt knife. A 10 pound pumpkin yielded about 1 cup of seeds. Measure seeds in measuring cup.
Preheat oven to 325 degrees. Mix rinsed and dried pumpkin seeds with oil. Add cumin, Old Bay, sweet paprika and salt. Place on rimmed baking sheet. Place in oven and roast for 25-30 minutes. Allow to cool.
Yield About 1 1/2 cups because the seeds swell in roasting.
Postscript: Cooking with Rick Nichols
You have to love a guest who brings their own green tomatoes from their garden. You have to love Rick. Rick and I cooked. Well, mostly I cooked while Rick asked questions and took notes. I will leave the final telling of Cooking with Rick Nichols to Rick in whose column I will appear this Thursday.
As I write this on Sunday, people in New York and New Jersey and Houston and Colombia are all working frantically to "open" and link At Home Online — the digital compliment to At Home — and a new shop that will make book buying and gift giving easier. At Home Online is available only to book owners. Books come with a bookmark and on that bookmark is a digital "key." that provides login access to At Home Online. This evening is the digital equivalent of a restaurant opening with the paint not quite dry, the banquettes not fully installed, the carpet not quite laid and some minor refrigeration problems. But since we have only invited friends and family — and early book buyers — to our digital opening, we expect they will be forgiving and patient as we work through our opening kinks.
The Free Library Thursday Night
This Thursday I will be speaking at the Central Branch of The Free Library at 19th & Vine beginning at 7:30 PM. At Home will not be available in bookstores…ever. Books will be available for sale at the library before and after the program and I will be happy to sign books after. Buying the book at the library will save you the cost of shipping.
During the program I will talk about the background of developing At Home — the book and website, take you through a quick tour of both — and then select someone from the audience with a party to be planned and help them plan utilizing the principles and tools of At Home's Part 1: Planning to Entertain.
I Need Your Help
At Home is an unusual project in many respects. The combination book/website is unusual. And only distributing At Home on our website is unusual. At Home's success depends, in no small measure, on you. I need you to spread the word about At Home. If you know someone who would enjoy these occasional posts, please let them know about them. Posts can be accessed through athomebysteveposes.wordpress.com. If you sign-up, the posts come to you via email automatically.


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New Highs, Same Overdue Correction
The stock market broke to new highs — this, of course, we learnrned about last week.
As it stands, the S&P 5oo and the Nasdaq have hit these highs.
The Dow and NYSE have yet to breach record highs.
And all the stocks are slowing down.
September is a slow month. This is a known fact in the investing world.
But what's not to be ignored is the fact that we are long overdue for a correction.
Harry's been saying this for weeks now.
This loss of momentum could be a signal for that coming correction.
Not on its own though.
With Trump under siege by the Mainstream Media for his dealing with Stormy Daniels, Michael Cohen, and Paul Manafort, things could crash sooner rather than later.
There's talk of impeachment, and many of those who once wanted Trump in are now displeased with his performance.
They want him out.
For now, the markets remain strong.
Though the outcome of the current political situation could shift the markets at any moment.
Harry has some updates for you now and will continue to keep you in the know.
Click here or the video below to see what he has to say.
Harry Dent on the Next Correction
As the S&P 500 and Nasdaq break into new highs and the DOW gets closer, stocks are beginning to slow down a bit, possibly signaling the overdue correction. How telling will this next correction be?
Posted by Economy and Markets on Friday, August 31, 2018


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Service Policies and Procedures
Our Service Policies and Procedures
Anyone using our services must accept the conditions outlined in this document. No exceptions, safety is our first priority. Our Website visitors Privacy Policy Statement and Terms and Conditions Agreement form part of the following Service Policies and Procedures document, which you can find on the bottom of this page. Please feel free to contact us if you have any questions or concerns
Everyeffort is made to keep the availability of our driving instructors updated on a frequent basis. However, Driving School WA management takes no responsibility for accidental double-bookings, and we assure our clients that we will make all reasonable steps to avoid any inconvenience. Being double-booked due to high demand (especially during school holidays) is beyond our control. Often we get bookings online while we make bookings in person per completion of driving lessons with our existing students.
- Learner drivers must produce valid WA learners permit or an overseas
licenceupon commencement of your driving lesson. Failure to do so may result in cancellation or postponement of your appointment. Your instructor has the right to decline to provide the service. We don't charge cancellation fees if we receive the cancellation notice at least two hours prior. If your allocated instructor has shown up for your pre-booked lesson or driving test, in case the learner doesn't turn up or has insufficient documents, the 50% of payment may be required.
- We reserve the right to discontinue a driving lesson if a client objects the use of our dual controls. This type of
behaviourwill NOT be tolerated. We are experts in drivereducation field, and we only do what is necessary to avoid a potentially dangerous situation. We also reserve the right to decline to teach anyone who acts in a disrespectful manner towards other road users or us. Including but not limited to multiple short notice cancellations, intention to drive intoxicated, purposely refusing to follow our instructions, etc. In the event of discontinuation, the full fee will be charged. This type of scenario is highly unlikely but not impossible.
- Learner drivers must be contactable on the day, before a driving lesson so that we can contact them prior and upon arrival at the meeting point. In some cases, if the client is not contactable, especially if the booking was made Online and we never spoke to them previously, we reserve the right to cancel that booking. If a client has confirmed their appointment and running late, driving instructors shall wait a maximum of 30 minutes unless any further communication has been made. If the lesson is
cancelledafter being confirmed within the short time before commencement and if we feel that the reason for cancellation is not legitimate or necessary, we may decline to teach that student permanently.
- If we are
authorisedto make driving test bookings on behalf of our customers we will find suitable bookings. This is a complimentary service. However, if a customer who gave us the Authority does NOT confirm they want to sit the PDA on that day (if they don't respond to our calls in not less than Two Business days before the PDA date) regardless of whether they wish to take the Practical Driving Test privately, with other company or with us, we will cancel/postpone that PDA booking. If we don't cancel or postpone we may be held liable for losing their Test Entitlement which is the amount of $73.70 payable to DOT (Department of Transport) in the event of not showing up or cancellinglate. We will not be accountable to pay or reimburse this Fee, therefore, we reserve the right to act as stipulated in this Clause. It's best to be contactable and please advise us if you change your contact number. This type of scenario is unlikely but not impossible. Students who are prone to forgetting their PDA booking date are usually those who take lessons on a less frequent basis.
- If a customer claims that they left their belongings, including but not limited to learner's permit card, logbook, mobile phone etc. We will thoroughly check a vehicle and if found, it will be returned at our Earliest Convenience. Please be advised that we don't take responsibility for such items. After each appointment with us, we will remind you to take all of your items.
- When meeting at a nominated Licensing Centre location for a driving test or a block lesson, mobile phone MUST be switched on before the meeting. If you are using our Driving Test Car-Hire service, please be advised that you must have your PDA pre-booked unless we did it on your behalf. Also, you must have a confirmation letter provided by
Departmentof Transport. Drivingassessment must be booked through Departmentof Transport, not driving school. We provide a vehicle and tuition, but we don't conduct practical driving tests. If we haven't previously met a client and if they only want to use our car, a minimum of 45 minutesvehicle familiarization is required. If we don't qualify a client as fit to drive for any legitimate reason, we reserve the right to decline them. The fee shall be forfeited. We urge candidates to make appointments responsibly. Doing the research on the standard to successfully pass a PDA is strongly recommended.
- We may use digital Dash-cam or Voice recorder occasionally, mainly for training and coaching purposes. These devices are not used during practical driving assessments due to regulations in Western Australia. We may also record our phone conversations, strictly for coaching and training purposes. Our online booking system provides a record of the number of driving lessons and cost. We can provide invoices and all particulars, times, dates, type of service if needed. All pre-paid lessons including gift vouchers are valid for 12 months from the date of purchase/funds transfer, and lessons must be completed within the 12 month period. Unless a genuine reason is provided, all pre-paid services after 12 months will be deemed expired. Extensions on Gift Certificates can be granted upon request.
It's in the best interest of our clients to strictly adhere to our service policies and procedures. We welcome your suggestions if they can benefit our learner drivers, the efficiency of driver education and overall results.
Our Website visitors Privacy Policy Statement
Terms and Conditions Agreement
Copying and redistributing any part of the original content from this Website, including but not limited to our terms and conditions, service or privacy policies is prohibited. Driving School WA – Professional Driver Training Provider Perth, Western Australia. © All Rights Reserved 2001 – 2018


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An Informative guide on how to Choose the Best Network Monitoring Software
In the modern world, every operation is becoming more digitalized such that people are moving from doing much paperwork. For online means of communication to be a success, present of a reliable network is very important. It is advisable to always keep on making a frequent assessment on the network your using so that dissemination of information in your work setting does not get disrupted. By monitoring a network, you have the opportunity to identify the variances experienced in the network, and this will help you in managing it. At times there will be network hitches being experienced in a network, and it requires a very skillful technical staff who will solve the problem.
In the modern world, you will find software which are can be used to monitor a network very accurately In my article, I will shed some light on the keys issues to consider when selecting a network monitoring software. A suitable network monitoring software is the one which is strong in detecting network problems being experienced. Diagnosis of network problems is very quick when dealing with a strong software for network monitoring. Slight variation in the performance of a network can be detected by a strong software even when it is way below the threshold level.
A well-established software developer is licensed to develop software by the relevant authorities. Always be keen with the software developing company you buy from so that you will not end up regretting from buying a fake software. Always conduct background research on the software developing company you enter into any transaction with them.
It is advisable to go for that network monitoring software which is not complicated or sophisticated. On the other hand, good software is the one which will be compatible with some operating systems as well as other devices. Choose software which has a guide to make you understand the working of the software comfortably.
A well secured software will give you reliable information on the network you are operating in. Some variations in the network may be very dare such that they may cause a hitch which operating in it, when that happens, a software with a critical path visualization will do you good. A performance baseline gives a clear visual image on how the aspects of the signal such as strength are changing with time. It is advisable to opt for a remote network management as it is very fast and accurate. Choose that software for monitoring the network which will detect and inform you when there is a significant change in the network signals. A suitable network is the one which is able to break down the whole network and conduct analysis in terms of the smaller units.