![]() ![]() If substrate is used (I personally prefer not to), go for sand instead of rocks or gravel. Goldfish will try to eat most plant species, but this one will almost always be left alone. Sturdy plants like Java fern are a better idea. Decorating a fancy goldfish tankīecause most fancy goldfish are quite clumsy, it’s a good idea to avoid sharp rocks and decorations. Change at least 50-60% a week if you’ve followed the “20 gallons/75L per fish”-rule. Good filtration will help keep the water values under control, but water changes are still necessary. You can find a review of the Classic 250 here. I used an Eheim Classic for my 60 gal (240L) goldfish tank, which works fantastically when paired with a powerful internal filter. This is necessary because they are grow very big and produce a lot of waste – in smaller tanks, ammonia levels will get out of control very quickly, which results in health problems and stunted growth. A rectangular aquarium is preferable, as it allows for more oxygen to enter the water.Īs for filtration, an external filter with room for biological filter material is the best idea – try to go for a filter rated for at least twice the size of the tank. ![]() Why goldfish bowls should be banned contains a more thorough explanation of why bowls are actually not suitable at all.įancies require about 20 gallons (75 l) per fish, frequent water changes and very heavy filtration. Fancy goldfish requirements:įancy goldfish requirements may surprise some fishkeepers – they have a reputation for being ‘beginner fish’ that can live in small tanks or bowls, which is unfortunately not true. Males will often grow small white bumps on their pectoral fins and operculum these are called breeding stars or breeding tubercles. For more information about fancy goldfish varieties, check out this article.ĭetermining the gender of your goldfish can be quite a challenge, but it is possible. Subtypes range from quite similar to common goldfish to very extreme. What fancy goldfish are most loved for, though, are the interesting appearances that have resulted from selective breeding.īig, bulging eyes, brain-like tissue on the head, enlarged nasal bouquets, dorsalless fish, nothing is too crazy. They are rounder than common goldfish and have double tails, that are usually long and flowy.įancies come in all colors and patterns – regular orange is most common, but more exotic color varieties like panda, chocolate and lavender can also be found. Fancy goldfish appearance:įancy goldfish are available in countless shapes and forms, but the different varieties have a few things in common. Their wild ancestor, the Prussian Carp, is mainly found in Asia. None, fancy goldfish are not found in the wild. Hover over image to pin to Pinterest Name:Ĭarassius auratus, fancy goldfish, fancies Fancy goldfish natural habitat: ![]()
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![]() ![]() This is something you can easily put together at home. Typically they include a meat, cheese, crackers and a dessert. We’ve all seen those pre-made lunches at the grocery store. I also like to add a little container of cheese. Include a piece of cornbread in their lunchbox and they will really be in heaven. Just like a favorite soup, a hearty thermos full of chili will make a delightful make-ahead lunch for your kids. Every one of these is healthy, filling, and delicious. Check out this list of healthy muffin recipes for school lunches. Sliced vegetables and chunks of meat with your pasta and good dressing will make your kids’ lunches the envy of the cafeteria.Ī little bit of breakfast for lunch makes an easy option for lunch ideas you can make the night before. And you can pack plenty of nutrition into a good pasta salad. Pasta salad makes a great pack ahead lunch because it’s something we typically eat cold. Then use baggies or additional lunch containers for pita bread, crackers, carrots, and anything else your child loves to dip in their hummus. Hummus can be pre-bought in individual tubs or divided into Tupperware. Now pack all those goodies up for your child’s lunch. Think of everything you typically add to a hummus platter. If you want to add some carbs, you can also roll everything into a thin tortilla or pack some crackers with lunch. You can add cream cheese or other condiments, then roll everything together inside the meat. Lay out your child’s preferred slice of meat, layer on some cheese and veggies. Meat and cheese roll-ups are easy to make and provide all the nutrition you could hope for in a lunch. Looking for some new school lunch ideas? Get a copy of our FREE school lunch planner! It will still be nice and warm at lunchtime. Then in the morning heat it up in the microwave before pouring it into your child’s thermos. If a crockpot isn’t a good option for you, then prepare the soup the night before. Then in the morning, the whole family can head off to work or school with a delicious lunch keeping warm in their thermos. My preferred method is to prepare the soup the night before and let it cook in the crockpot overnight. Prepping soup in the morning would defeat the whole purpose of lunch ideas you can make the night before, so to get this done you will need either a crockpot or your microwave. With a good thermos, you can send that comforting warmth off to school with your child each day for lunch. There is nothing like a warm bowl of soup for lunch, especially on a cold day. If there are a couple of hours between removal from the freezer and lunch, the sandwich will thaw and be perfect at lunchtime. You will want to keep pre-made sandwiches in the refrigerator until your child leaves for school.įor peanut butter and jelly, the best way to keep a sandwich made the night before from getting soggy is to keep it in the freezer. This way they don’t touch the bread and the sandwich is ready to go at lunchtime with no prep work. Pickles also wrap up nicely in plastic wrap to be added at lunchtime.Ī second solution and the one I use most often is to put the condiments between the meat and the cheese. ![]() Your child can add as much as they want to their sandwich when they are ready to eat. One solution is to put your condiments in containers. And you can make this work with almost every kind of sandwich.įor meat and cheese sandwiches the biggest concern is the condiments making the bread a soggy mess. Now here are some quick and easy ideas when it comes school lunch ideas you can make the night before!įor school lunch ideas you can make the night before, you can’t beat sandwiches. Time Saving Make-Ahead Lunches Kids Will Love ![]() For more information, see our disclosure. As an Amazon Associate I earn from qualifying purchases. ![]() ![]() ![]() Each segment of the chart is broken up into a different color, so it’s pretty easy to get an idea of what exactly is and isn’t taking up how much space on your computer. In some ways, this is more intuitive to grasp when you first see it. While this app looks similar, it doesn’t perform as. Not Like TreeSize Free TreeSize Free is a great app for PCs. Download TreeSize - Disk Usage for macOS 10.10 or later and enjoy it on your Mac. Instead of the tree mapping that we see with WinDirStat, JDiskReport chooses to display the information about your drive or directory as a pie chart. Read reviews, compare customer ratings, see screenshots, and learn more about TreeSize - Disk Usage. Where JDiskReport differs most from WinDirStat is in its layout. This means that you’ll be running it as a JAR file, which is useful as a standalone executable, but if you prefer your files to be installed on your computer, then that could be a deal-breaker.Īs for the program itself, JDiskReport is a relatively quick disk analyzer, roughly on par with how WinDirStat performs. It shows you the size of this folder, including its subfolders. Even in the times of cheap terabytes a final truth remains: Sooner or later every hard disk will near. You can start TreeSize Free from the context menu of a folder or drive. TreeSize Free version 2.7 (TreeSizeFree.exe). The first thing to note about JDiskReport is that it’s built entirely in Java, which is probably the reason for its name. TreeSize Free is a useful app that makes managing your disk space easy, by providing accurate views of how much space any given group of files is taking up on your computer. It can search through entire flash drives, internal hard. ![]() TreeSize Free uses a familiar folder interface to help you sort through the largest folders and files on your computer. If you’re looking for a different layout than what WinDirStat gives, then JDiskReport might be a good fit for you. TreeSize Free is a free software published in the File & Disk Management list of programs, part of System Utilities. As a free disk space analyzer tool, TreeSize Free can help you quickly determine whats using up all your hard drive storage. TreeSize Professional 2022 is a reliable and powerful software for managing, analyzing, and clearing hard disk space. It is full offline installer standalone setup of TreeSize Professional 2022. Next up on this list, we have JDiskReport. TreeSize Professional 2022 Free Download Latest Version. ![]() ![]() ![]() Once you have placed an active duty alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three. You can contact any of the three nationwide credit bureaus to request an active duty alert. It encourages lenders and creditors to take extra steps to verify your identity, such as contacting you by phone, before taking certain actions, such as opening a new credit account in your name or increasing your credit limit.Īn active duty alert is free and lasts for one year, and your name is removed from pre-screened credit card and insurance offers for two years. An active duty alert is similar to initial fraud alerts they can make it harder for someone to open unauthorized accounts in your name. ![]() Visit our FAQs to learn more about Security Freezes & Fraud Alerts.Īn active duty alert is available for service members on active military duty who want to help minimize their risk of fraud or identity theft while deployed. You’ll need to include additional documentation showing you’re a victim of identity theft. ![]() To place an extended seven-year fraud alert, download and follow the instructions on the Extended Fraud Alert Request form. You can also place an initial fraud alert by mail by downloading and following the instructions on the Alert Request form. To place an initial one-year fraud alert, create or sign in to a myEquifax account, or call our automated line at 88. Once you have placed a fraud alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three. You can contact any of the three nationwide credit bureaus to request a fraud alert. An extended fraud alert also allows you to request two free credit reports from the three nationwide credit bureaus during the 12-month period following the placement of the extended fraud alert, and your name is removed from pre-screened credit card and insurance offers for 5 years. An extended fraud alert remains on your credit report for seven years unless you choose to remove it sooner.
![]() ![]() Paragon NTFS for Mac cracked version may be harmful to drives, Mac computers, and personal files. With it you can define automatic backup jobs by selecting from predefined strategies. Paragon Hard Disk Manager is the ideal system- and data-management solution for Mac. Risks of using Paragon NTFS for Mac Ventura/Monterey full crack, keygen, serial, license key. Easily perform a surface test to identify bad sectors of the partitions. With newly-added features, you also can undelete and merge partitions, edit and view sectors in the built-in hex editor, convert partitions into primary and logical. It comes with a ‘Create Backup Job Wizard’ feature that makes complex backup processes simple and fast. With Hard Disk Manager, you can resize partitions on the fly to maximize available storage capacity. File Transfer Wizard to copy files between storages formatted to Windows, macOS and Linux file systems and/or burn them to CD/DVD replace corrupted data from. - Backup Hyper-V VMs to your own local storage. Feel free to post any comments about this torrent, including links to Subtitle, samples, screenshots, or any other relevant information. Paragon Partition Manager 2014 Free aims to make it easy to create, resize, reformat, and delete hard disk partitions, but its wizard-based processes compromise flexibility. Paragon Hard Disk Manager also gives the more advanced user full control via extra backup strategy settings. ![]() - Migrate a virtual system from VMware vSphere to Microsoft Hyper-V.Restore an entire system, individual volumes or files and folders, restore to the original or new location, restore to dissimilar hardware, restore with resize, mount / import backup containers Features of Paragon Hard Disk Manager 17 Business is utorrent app illegal no if you use torrent not torrenting. how do you download utorrent on a mac use alternative FDM. Split, merge, expand, redistribute free space, convert to logical / primary, edit sectors, convert to MBR / GPT, change primary slots and serial number, test surface, partitioning virtual disks.īack up an entire system, volumes and files, scheduled backup, incremental and differential imaging, backup encryption and compression, backup data excludes, pre-/post backup scripts, pVHD, VHD, VHDX, VMDK containers support. How do i install utorrent on mac use alternative free download manager. You can download the other version of the program from "Previous Versions" section available below.Īs alternative program FREE download AOMEI Dynamic Disk Manager Pro Paragon Hard Disk Manager 17 Business Overview Free download Paragon Hard Disk Manager 17 Business + WinPE ISO for Windows PC it consolidates 25 years of hands-on expertise in system software to keep your data healthy and safe. ![]() ![]() He’s the only true villain of the Jellicles, as he attempts to scare the tribe. Macavity has wild hair of many colors – red, orange, white and sharp black stripes. Plato is a tall, lanky cat that’s ginger and white in color. The duo are inseparable and always move together. The other Jellicles respect him – despite his slight arrogance.Ĭoricopat & Tantomile are identicle twins – although their breed of cat is unclear, they have tabby markings. She’s a practical yellow calico/tabby cat who’s got a motherly demeanor about her.Īlonzo is a tom cat – and a flirtatious one at that. The duo is sneaky and mischievous-they specialize in petty theft and are known as partners-in-crime. Mungojerrie & Rumpleteazer are orange, black and brown calico or tabby cats. She’s beautiful and poised, but also full of compassion-playing a major role in the acceptance of Grizabella. Victoria is a shy and quiet kitten-known for her distinct white coat. He has a long, shaggy coat and a full beard. Old Deuteronomy is a wise, elderly cat – he’s the leader of the Jellicles, who respect him very much. Victor is a tomcat with cream and brown tabby markings. He’s a smart, regal cat the Jellicles seem to respect. His coat is black but he has distinctive white paws. He’s protective and has a commanding presence-quite different than his younger brother, Rum Tum Tugger.īustopher Jones is a well fed street cat. Munkustrap is a grey tabby cat and the main narrator in CATS. He’s a ladies man who loves being in the spotlight-but wants to set himself apart from the tribe. Rum Tum Tugger is a black tom cat with a wild mane. ![]() He has magical powers-but he’s still learning to control his conjurings.īill Bailey & Tumblebrutus are mischievous little kittens! They are both white cats with brown patches of fur – similar to tabby cats. Mistoffolees is a black-and-white tuxedo cat-he’s flashy and a showman. She’s a former “glamour cat” whose still striving for acceptance with the other Jellicles. Grizabella is an older cat who’s coat has seen better days. Learn more about those fabulous fur balls before seeing them on the Starlight stage, July 9-14. Eliot, the stage musical features more than 25 felines, each with its own personality and story. Based on Old Possum’s Book of Practical Cats by T.S. ![]() (In the ticked tabby, the torso banding vanishes.The record-breaking musical CATS tells the story of a group of Jellicle cats who come together for one special night per year-at the Jellicle Ball-to choose which of their tribe will be reborn.
![]() Please do not hesitate to let us know about your dietary restrictions so we can answer any questions you have or prepare a dish that will make your dining experience more enjoyable for you. (PLEASE LET YOUR SERVER KNOW ABOUT FISH/SHELL FISH ALLERGY TO AVOID CROSS CONTACT The following items contain fish/fish shell: Sushi, Shrimp, Salmon. Please note that our kitchen is NOT Fish/Shell Fish free. The following items contain Peanuts/Tree Nuts: Broccoli Salad, Sushi, Sun Dried Tomatoes, Couscous Please note that our kitchen is NOT peanuts/tree Nuts free. Salad, Caprice Salad (Cheese), Apple Salad, Ranch Dressing, Blue Cheese Dressing, Caesar Dressing, ![]() The following items contain milk: Fried Polenta, Mashed Potatoes, Macaroni & Cheese, BrazilianĬheese Bread, Salmon Mustard Sauce, Pasta Salad, Sesame Noodles Pasta, Soup of the Day, Chicken Please note that our kitchen is NOT milk free. Salad, Pasta Salad, Sesame Noodles Pasta, Sun Dried Tomatoes, Ranch Dressing, Blue Cheeseĭressing, Caesar Dressing, Cole Slaw Dressing, Chicken Nuggets. The following items contain egg: Macaroni & Cheese, Brazilian Cheese bread, Fried Polenta, Potato of respondents would recommend this to a friend. Please note that our kitchen is NOT Egg free. Mushrooms, Soy Sauce, Pasta Salad, Sesame Noodles Pasta, Sun Dried Pasta, Sushi, Couscous Salad, Cole Saw, Sushi, Ranch Dressing, Blue Cheese Dressing, Caesar Dressing, Chicken Leg, Pork Sausage, Chicken Nuggets, Chocolate Mousse Cake, New York Cheese Cake, Turtle Cheese Cake, Key Lime Pie, Oreo Cookie Ice Cream, Crème Brulee, Limoncello Cake, Red Velvet Cake. The following items contain gluten: Macaroni & Cheese, Artisan and Rye Bread, Fried Polenta, Crimini Please note that our kitchen is NOT Gluten free. Try any of our other delicious after dinner cordials like Amarula, B&B, Disaronno, Drambuie, Godiva Chocolate Liqueur, Godiva White Chocolate Liqueur, Galliano, Grape Limoncello or Romana Sambuca Tuaca, an orange vanilla 70 proof liqueur that goes perfect with freshly brewed espresso Vanilla Vodka, Chambord Liqueur, Baileys Original Irish Cream, Butterscotch Schnapps and a Splash of CreamĪ true international delight. This special blend cognac celebrates the year Rémy Martin won the Award of Excellence ![]() Partners well with the Chocolate Mousse CakeĪ crisp and clean taste that refreshes the palate Partners well with the New York CheesecakeĪbsolut Vanilla Vodka, Licor 43, Lime Juice and a Splash of CreamĪbsolut Cherrykran Vodka, Creme de Cocoa and a Splash of Cream Add the vodka, triple sec, lemon juice, and simple syrup into the cocktail shaker. Jameson Irish Whiskey, Creme de Menthe and Coffee Combine the sugar and lemon zest and place in a shallow bowl (or on a plate) Wet the rim of a martini glass lightly with water and dip into the sugar mixture to coat rim thoroughly. ![]() ![]() ![]() bar manager responsibilities often require "organizational skills." The duties that rely on this skill is shown by the fact that "food service managers keep track of many different schedules, budgets, and staff." This resume example shows what bar managers do with organizational skills on a typical day: "conducted daily pre-shift and weekly departmental meetings to ensure organizational efficiency managed accounts payable, accounts receivable and payroll. ![]() For an example of how bar manager responsibilities depend on this skill, consider that "managers must establish good working relationships to maintain a productive work environment." This excerpt from a resume also shows how vital it is to everyday roles and responsibilities of a bar manager: "cash handling, p&l, customer relations, team building and leadership. This is an important skill for bar managers to perform their duties. This resume example is just one of many ways bar manager responsibilities rely on detail oriented: "served lunch and dinner in a fine dining restaurant with a high attention to detail. "managers deal with many different types of activities," so a bar manager will need this skill often in their role. Many bar manager duties rely on detail oriented. This skill is important for the role because "food service managers, especially those who run their own restaurant, must understand all aspects of the restaurant business." Additionally, a bar manager resume shows how their duties depend on business skills: "run a successful bar business by controlling liquor inventory,staffing levels,and cleanliness. The most essential soft skill for a bar manager to carry out their responsibilities is business skills. You can find more detail on essential bar manager responsibilities here: Most bar managers use their skills in "customer service," "wine," and "beverage orders" to do their jobs. Demonstrate exceptional quality assurance skills for a high volume restaurant/bar while providing strong employee retention during a transition to new management.Coordinate seasonal and promotional events charting facility arrangements, decorating, book entertainment, develop and acquire POS.Transition business from handwritten ordering system to an automate restaurant POS system that reduce errors and improve productivity.Develop skills in communication and time management interacting with staff and customers in a fast-pace service environment.Maintain the facility by ensuring safety, mechanical/electronic repairs scheduling, and adhering to rigorous cleanliness requirements.Assume responsibility for overall office administration, payroll and training of staff. ![]() Provide assistance with store organization and cleanliness.Train all FOH and BOH employees on service standards and guest interactions in order to ensure the success of the company.Organize entertainment for lounge, such as hiring bands, karaoke, DJ's, etc.Help with shift movement according seniority while abiding by the bartender and culinary CBA.Direct all bartending operations as well as ordering and inventory management.Perform typical bartending duties including all aspects of customer service.Manage front-of-house operations for upscale wine bar and restaurant, including assisting in monitoring and management of inventory and finances.Inventory and order bar stock and manage FOH staff, as well as ensured food quality and timeliness of service. ![]() Manage liquor and wine inventory and develop cocktail menus taking advantage of fresh ingredients.Here are examples of responsibilities from real bar manager resumes representing typical tasks they are likely to perform in their roles. ![]() ![]() If your goal is to create just an outline of your photograph, you may decide your picture is complete after this step. In this step, you'll learn how to outline, or trace, the picture in Photoshop using a series of layer effects. Step 4: Convert your photo to a line drawing If you have an adjustment layer in place when you convert to grayscale, the adjustment layer will be deleted. Having the Hue/Saturation adjustment layer makes your image appear grayscale, but if you want to eliminate all color completely from your image as you work, you can convert your image to grayscale by choosing Image > Mode > Grayscale from the dropdown menu at the top of the application window. How to convert an image to grayscale: an additional method Drag the slider for Saturation as far as it will go to the left, so that the value listed for Saturation is now -100. You'll see three sliders in the Properties panel: Hue, Saturation and Lightness. If you don't see your Properties panel, you can choose Window > Properties from the dropdown menu at the top of the Photoshop application window. With your adjustment layer still selected, go to your Properties panel, located to the right of your image by default. You've just created an adjustment layer for Hue/Saturation, which means all layers that appear beneath the adjustment layer will retain the Hue/Saturation properties you set for that adjustment layer. Choose Hue/Saturation from the dropdown menu. Select the Adjustment Layer icon at the bottom of the Layers panel (the icon looks like a half black, half white circle). ![]() Select the duplicated layer at the top of the Layers panel. Step 3: Convert the image to grayscale using an adjustment layer To duplicate a layer, select the layer in the Layers panel, click on the Layers panel menu in the upper right hand corner of the panel, and choose Duplicate Layer. In your Layers panel, duplicate the layer containing your image three times, so that you have four identical layers. Once you're satisfied with the increased contrast of the image, click OK. Note: If you're working in a CMYK image, you'd pull up on the middle of the line instead of down. You'll notice that the dark areas of the image will get darker, while the lighter areas will remain light. In the graph on the left side of the dialog box, click on the middle of the line running diagonally through the graph and drag downward, creating a curved line in the graph. If you're working in a flattened image (such as a JPG), this layer will be the locked Background layer.Ĭhoose Image > Adjustments > Curves from the dropdown menu at the top of Photoshop's application window. Go to your Layers panel and make sure the layer that contains your image is selected. We'll adjust the contrast of the entire photograph so the purse and tube stand out more. The image of the change purse and perfume tube, however, are so light they almost blend into the background. ![]() In the example photograph, the image of the shoes and sunglasses contrast significantly against the white background. Step 1: Adjust the contrast of your photo Add a cross-hatching effect to your image.Set your Background and Foreground colors.Convert the image to grayscale using an adjustment layer. ![]() How to turn a picture into a line drawing in Photoshop Not all photos are the same, so you'll need to use your judgement as you adjust filters, blurs and layer opacities each time you use Photoshop to convert a photo into a line drawing using the steps below. In the following tutorial, we'll go over one method that shows you how to convert your image into a pencil sketch flawlessly, and then we'll discuss specific tools you can explore to achieve other image outlining effects in Photoshop. If you want to turn a photo into a pencil sketch in Photoshop, but you don't want it to look like you did it in Photoshop, you'll need to pay attention to detail and prepare your image properly before you apply any filters. Before you begin: How to outline an image in Photoshop Scroll down below the video for the written tutorial. Images of objects isolated on a white background work best for this technique, making this a great option for modifying or enhancing product photos. Thankfully, you can learn how to turn a picture into a line drawing in Photoshop CC 2019 following the steps below. However, creating illustrations (or hiring skilled illustrators) can be costly and time-consuming. Illustrations can enhance the style and appeal of your ecommerce site. ![]() ![]() ![]() As a result, the business will be best positioned to transform an alternative lending sector traditionally dominated by informal credit solutions. If the file does not contain data, please call your bank or your IT for assistance downloading your statements. SCB Abacus is the first fintech spin-off in the Thai banking industry, combining the resources of a leading national bank with the expertise and scale-up experience of international venture capitals. CSV or excel format so you can open it to make sure the downloaded file actually contains data. If the UAC is turned off, and you are still not seeing any transactions, re-download your statement into a.The bank official who reviews the loan request is focused on repayment. If nothing happens, you may need to turn off your User Account Controls (UAC). What can I do to raise money for my small business.Go to G/L> Online Banking > Input File.Make sure the file you are downloading from the bank is in an OFX or QFX format.If you have trouble, please contact your bank for the needed information or search “Online Banking” in the Knowledge Base. Please call 21, press 4 then 1 to speak with a LIVE branch representative 7 days a week. The following steps will not apply to you. They are tokens that represent a fixed monetary value and they include coins, bank notes, cheques and bank drafts. If you would like to download the data to Abacus directly from your bank, please fill out the Online Banking Tab. Representative money is what we are most familiar with. ![]() If you are downloading your statements from the Bank and uploading the file to Abacus, then you can proceed to Step 2.For v22 – Make sure the checkbox for Cash Account is checked. Abacus was the 2,651st largest bank in the US, with just 300 million in assets, and had never trafficked in the questionable mortgages that had brought down the US and world economies.Find your Cash – Operating Account and click Edit.Go to File > Setup > Chart of Accounts. ABACUS SWIFT code is a standard form of Business Identifier Codes (BIC) as an every banks unique code for message exchange needs and also sending money.First make sure you have Online Banking Enabled.Some of the fraudulent Abacus loans also were securitized into mortgage-backed securities and sold to investors, authorities said.įannie Mae and Freddie Mac, another government-sponsored enterprise, guarantee or own residential mortgages in the United States. “Poor quality loans are at greater risk of default.” “These alleged actions in this case are egregious,” said Steve Linick, inspector general of the Federal Housing Finance Agency, which oversees Fannie Mae. The defective loans falsely represented details regarding credit-worthiness, employment status and income, and the source of down payments, Vance said. The scheme resulted in the sale of hundreds of millions of dollars worth of fraudulent loans to Fannie Mae between 2005 and the first quarter of 2010, Vance said. ![]() “The irony of this case is the majority of the loans originated by Abacus have continued to perform, which means the monthly mortgage payments are being made by the borrowers,” Vance said at a news conference in New York. Unlike the widespread defaults that led to foreclosures during the crisis, most of the loans Abacus originated have not defaulted, prosecutors said. Law enforcement authorities have been criticized for their failure to bring criminal charges against major banks for the roles they played in causing the crisis. Widespread mortgage fraud led to the financial crisis in 2008. The bank said its loan default rate is one of the lowest in the country: Less than one-half of 1 percent compared to the current national average of more than 5 percent. Neither Fannie Mae nor the borrowers were ever harmed.” “Moreover, the only victim in this matter is the bank itself. “There is no evidence that any senior executive at the bank engaged in illegal behavior,” the statement said. The bank uncovered the irregularities more than two years ago, conducted an internal investigation and reported the results to authorities, the statement said. The charges include grand larceny, conspiracy, residential mortgage fraud and falsifying business records.Ībacus said in a statement it was “disappointed” New York prosecutors decided to indict the bank. ![]() |
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