Q:Can the bank go after a borrowers personal assets if the loan is greater than the home value?

California has 2 types of foreclosure so it depends on what is spelled out in your mortgage. If you mortgage allows for Judicial foreclosure, when the bank has to actually go to court and get an order from the judge to sell your property, then yes the bank is allowed to get an additional judgement to attach a lein to your personal assets. If your mortgage has a Power of Sale clause, then the bank was allowed as a condition of your mortgage to sell the property by following a few simple steps and doesn't need to go before a judge. In this case they forfit the right to then get any additional money owed to them if the sale of the property comes up short. This is called a non-judical foreclosure.

Q:If I had the power to see things spiritually or make things disappear and appear I would have spiritually made a lot of clothes, shoes, bags, accessories, and electronics appear from HM, Amazon, Victoria's secret, Nordstrom, and Target. I would have done it secretly and no one would have ever known it was me. And I would have changed clothes everyday. People would have seen me wearing True religion, Chanel, Michael kors, Salvatore ferragamo, Gucci, dolce gabbana, coach, Vera Wang, Yves saint Laurent, guess, and Alexander McQueen.Plus if I could see things spiritually and make things appear, I would have spiritually entered every person's home in the United States and stolen $20 from every member of every household. Then I would have transferred all the money I got from 168,000,000 people to my bank account.

I would really prefer to have the power to make things disappear. Failing that, if I really had to make things appear, I would go down to the local food bank and make food appear. Lots of it. Then I'd go down to the blood bank and make blood appear, then the organ banks. Then I'd look for bigger ones and bigger ones until I was feeding everyone and supplying blood and organs to the whole world.

Q:can anyone help me? my family has had identity theft from our own bank! they opened up a high yield trust account without our permission (since we already have an account with them, they had access to all our pertinent info - ssn, driver's license number, address, accounts), and we didn't know until we got a letter from them asking for our signatures. we found out that the person who did this has been doing so for a long time, and has been dealt with, but have had to purchase idenitity theft insurance (which is no cheap thing!) for all members of our family as a result. they had no apologies, no sympathy for what they had done. when we went to the bank, they were merely apathetic to the entire situation.what can be done for us? who can i file complaints/charges with? will this affect my credit? overall, this is a scary thing to consider, when your bank who has all your info can use it to their means and advantagethanks for reading

I know Wells Fargo has had some ID Theft issues. Most of them came from a woman there who was framed. It took her a while, but I think she's cleared her name now. You'll want to file complaints with the appicable federal and state banking regulators sec /answers/bankreg.htm and the Federal Trade Commission ftc As for the identity theft insurance you purchased. Look closely at what it actually covers and the claim filing and reimbursement process. Most of the ID Theft insurance policies really don't do much for you. I can provide you an ID Theft service that is probably a lot better than what they are doing and cover the whole family for under $40/month.

Q:Does the Federal Reserve have the same power that the Bank of the US had in the early 1800s (the bank that Andrew Jackson vetoed)?If not, what power did the Bank of the US have that the Federal Reserve does not have?

Not the same, not almost the same, not related at all. After the BOTUS charter expired in 1836 there was no federal banking institution, period. The government kept its accounts in state banks and precious metals for the next 10 years, then created the Independent Treasury system. That system continued until the Fed was created in 1913. Some differences: - The BOTUS was a single bank. The Fed has 12 banks covering areas of the country. - The BOTUS issued stock that could be traded by domestic and foreign individuals. The Fed issues stock only to domestic banks and it is not tradable. - The BOTUS required renewal by Congress. The Fed will exist until Congress dissolves it. - The BOTUS retained its earnings. The Fed deposits them back to the Treasury.

Q:allowed to block any bank accounts , knewing that family member is mentally ill ? do you need something from there doctor stating that they are mentally ill?

OK Rainmanit takes a real genius to studder while typing. But reagrding your question, it depends on the POA. If it's a general POA, then you might be able to act on the holder behalf even without the approval of the holder or against the holder's wishes. If it's a Special POA, then it would need to be explicitly stated in the SPOA that you may act on the holder's behalf even if in disagreement with the holder's wishes.

Q:Currently the FED prints dollars and lends it to local banks (often at zero percent).However, why are they lending it? Why not just sell the currency for the cost of printing and administration overhead? If you give me a trillion dollars - that cost you 50 million to produce - and expect a trillion in return, that is a 20,000 percent markup on your product!Therefore Libertarians and independents are smacking their heads asking why?! Why do we engage in a monetary system that has such immense cost and automatic debt to us the tax-payer? Please help me out and explain if I have misunderstood the system.thank you!

No

Q:. and what are the advantages and disadvantages of it when facing a financial crisis?

The Federal reserve was signed into power by president Woodrow Wilson, in 1913 to act a central bank for the united states. In a recession the Fed lowers interest rates to allow more borrowing and more money in the system. During times of inflation the Fed increases interest rates to contract money in the money supply. To put things more technically, its obligations are: 1. Conducting the nation's monetary policy by influencing monetary and credit conditions in the economy in pursuit of maximum employment, stable prices, and moderate long-term interest rates 2. Supervising and regulating banking institutions to ensure the safety and soundness of the nation's banking and financial system, and protect the credit rights of consumers 3. Maintaining stability of the financial system and containing systemic risk that may arise in financial markets 4. Providing financial services to depository institutions, the U.S. government, and foreign official institutions, including playing a major role in operating the nation's payments system

Q:I have a Samsung series 5 ultra book laptop and want to know what is the best laptop power bank I can get to charge my battery when I'm no where near a power point. Is it best to go for the highest mAh rating you can get or not, solar or non solar. Anyone have any suggestions or brands. I have seen some online are any of these good from people who own any of them 1.

You need to make sure the voltage matches the official laptop AC/DC adapter that comes with a laptop. If it damages the laptop, the warranty for the laptop does not cover the damage. I would be most concerned with the voltage, and secondarily with the amperage, that if the output is too high, that could also damage the laptop. I've never even seen them used. It is far more common for people to buy an extra battery.

Q:1) As far as I know, there are two types of harmonic filtering (through passive and active filters). Do the filters correct power factor as well as filtering harmonics, or capacitor banks are also needed to correct power factor?2) If the capacitor banks used to correct power factor and harmonic filtering are the same, how does switching capacitor banks to correct power factor effect harmonic filtering?

Power factor correction and harmonic filtering can be combined in harmonic trap designs. Any power factor correction capacitors in a system that has harmonic distortion may need to have tuning reactors added to prevent harmonic resonance and excess harmonic currents in the capacitors.