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By Craig Picard

There is one reason why you are failing in your real estate investing and that is the fact that you are not buying your properties from the right places. Yes, there are individuals in foreclosure trying to get rid of their property before they are evicted. This can present a great opportunity as long as the homeowner doesn’t owe a lot on the property.

And you can also find some deals at auctions, but it always seems like others are outbidding you or the bank submits their own bid and it’s just too high for you.

There are so many ways for you to find property, but finding property doesn’t mean that you are going to be a real estate investing success. If you purchase a property 25% below market value and sell it for market value, you’re really not making a big profit. Your profit is even smaller when you have to make improvements to the property.

You don’t want to see those small profits. No one wants to see small profits, but it is an unfortunate fact that some individuals simply don’t know better.

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But how can you get more?

Well, it’s through bank REO’s. Bank REO’s are how you’re going to be able to pull in a profit of anywhere between 35% and 50%, which is excellent for the real estate investor. This is actually a real estate investor’s dream because this results in even more future buying power and a higher income.

It may sound too good to be true, but it isn’t. It is just a matter of being aggressive in your investing by doing the following:

— Telling those who are involved in bank REO’s in some way that you are there to take them off their hands and help the housing market out. After your first buy, you will be the one they come to.

— Telling buyers in your area that you are the one to buy from. That way you can sell the properties very quickly.

— Always following up with your sources and your leads to ensure you get your hands on the properties that you want to put your hands on.

— Always negotiate with the bank. If something is wrong with the property, talk to them about compensating you for it. If you are financing and you need to negotiate terms of the loan, do it.

The most important thing is to not get discouraged and also ask for help if you need it from those who specialize in REO’s and who are willing to teach. Investing in Bank REO’s is certainly worth it for the fact the profits can be quite incredible and you can turn the property quickly.

There is also the fact that you do have options and a lot of negotiation power with the bank when it comes to these properties. When dealing with the bank, the ball is in your court. You have to keep in mind that you are exactly what they need to take the property off of their hands.

About the Author: Craig Picard and Don Goff have helped 367 real estate investors grow their real estate investing business from zero to over $10,000 per month in only 3 months. To get your free real estate investing training tools go to


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Google planning PayPal rival

Posted by: kf2FZ6in Uncategorized

Monday, June 20, 2005

Financial analysts say Google is planning an e-wallet service that could eventually compete with eBay’s payment service PayPal. Google has not confirmed the development.

The rumor is a first sign of Google’s expected expansion of revenue sources to capitalize on its advertising customer base and search-engine traffic. What form that expansion will take has been a hotly debated subject for the company whose stock valuation momentarily made it the world’s biggest media company on June 7, 2005. Even Microsoft has been mentioned as a possible future competitor.

Ebay’s stock valuation dipped more than 2% on the news. Paypal currently accounts for one-fifth of the company’s revenues. But one business analyst saw potential benefit for Paypal[1], depending on exactly how the “Google Wallet” takes shape. The uncertainty underlined the lack of substantive information behind the rumor.

According to the New York Times, the CEO of a major online merchant, who spoke on the condition of anonymity, was approached by Google to take part in this service. Steve Langdon, a Google spokesperson, declined to comment.

  • Spoken version of the article

U.S. automaker GM plans to close 1,100 dealerships

Posted by: kf2FZ6in Uncategorized

Friday, May 15, 2009

American automobile manufacturer General Motors (GM) announced plans Friday to shut down about 1,100 of its dealerships, in an effort to evade bankruptcy and lower its expenditures.

GM’s move comes a day after Chrysler, another U.S. car maker, released a list of 789 dealerships that it was closing. Unlike Chrylser, GM will not publicly announce the dealerships that it intends to shut down. Instead, dealerships whose franchises won’t be renewed after October of next year will receive a private letter telling them of the decision.

At the moment, GM has 6,246 dealers in the U.S. It intends to reduce that number to 3,605 by the end of 2010. GM said the dealerships that were to be closed are “underperforming and very small sales volume U.S. dealers.”

“They’re dealerships that are in most cases hurting, losing money, and in danger of going out of business anyway,” said GM’s sales, service, and marketing vice president in a telephone conference. “It’s a move that people could argue should have been taken years ago but this leadership team had no choice but to do it today.”

The dealers that are to be closed represent 18% of the firm’s dealership network, but only 7% of GM’s 2008 revenue.

US automaker GM reports losses of $6 billion

Posted by: kf2FZ6in Uncategorized

Thursday, May 7, 2009

United States automobile company General Motors announced it has lost US$6 billion in the first quarter of 2009, amidst heavy declines in revenues. Not including special items, the firm said it had lost a net $5.9 billion dollars, or $9.66 per share.

In the first quarter of last year, GM had reported a loss of $381 million, or $0.67 per share. Most financial analysts had forecast the automaker’s losses to be over $6.7 billion, or $11.05 per share. GM had also reported that it had spent $10.2 billion in an effort to prevent bankruptcy. The manufacturer has received over $15 billion in bailout money from the federal government.

The company has a deadline set at June 1 to draw up a restructuring plan. If it doesn’t do so by then, it will be obliged to file for bankruptcy protection.

“We’re focusing very much on the cost side of the business but once you start losing revenues you get into a vicious circle from which you can’t recover,” said Ray Young, the chief financial officer for GM.

“We continue to see a 60-80 percent chance of a GM bankruptcy. While the GM equity today is largely uninvestable, we increasingly believe GM may emerge substantially stronger from a bankruptcy – provided the Chapter 11 process is not overly drawn out – particularly given the scope of targeted dealer cuts,” analyst Himanshu Patel said.

Cars Hire Services In Bangalore

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Cars hire services in Bangalore


Manish singh Singh

Car rental companies operate by purchasing or leasing a number of fleet vehicles and renting them to their customers for a fee. Rental fleets can be structured in several ways they can be owned outright (these are known as risk vehicles because the car rental operator is taking a risk on how much the vehicle will be sold for when it is removed from service), they can be leased, or they can be owned under a guaranteed buy-back program arranged directly through a manufacturer or manufacturers financial arm

Mohan Car Rental an active travel organization located in Bangalore; currently service a wide range of business and holiday clientele for their specific travel requirement. We are TOUR OPERATORS and provide TOUR PACKAGES to the institutions all over India since 2002. With dedicated professionals, we provide all kinds of travel opportunities and for everyone with warmth and traditional Indian hospitality.

You can avail our economical car rental services for traveling in Delhi as well as for All India tours. Mohan car Rental also offers short and long-term leasing programs for corporate sectors specific travel requirements. The Company has its own Luxurious cars & coaches both air-conditioned and non air-conditioned for traveling in India. We have a complete range of air ticketing, hotel booking & latest luxurious vehicles.

The following is the tariff plan within Bangalore

Vehicle\t\t 4hr 40Km 8hr 80Km Ex/hr Ex/Km

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Tata Indica \t\t\t450/- \t\t950/- \t 50/- \t6/-

Toyota Innova \t\t750/- \t\t1500/- \t\t100/- \t\t10/-

Tavera \t\t\t700/- \t\t1300/-\t\t100/ \t\t8/-

Toyota Qualis \t\t\t750/- \t\t1300/-\t\t100/- \t\t8/-

Indigo \t\t\t\t700/- \t\t1100/-\t\t60/- \t\t8/-

Ford Ikon \t\t\t550/- \t\t1100/- \t\t100/- \t\t11/-

Honda City \t\t\t650/- \t\t1200/- \t115/- \t\t14/-

Lancer \t\t\t550/- \t\t1300/- \t110/- \t\t16/-

Skoda \t\t\t\t600/-\t\t1100/- \t200/- \t\t20/-

Mohan Tours & Travels are best in their business

Offer personalized and flexible service.

Have a strong co-ordination with the reputed name of our associate industry.

Have a wide network to reach our customers any time in the world.

Offer expedites services.

Also make arrangements in the peak season.”We price our services reasonably.

Offer services that ensure hassle free, safe journey and happy memories for our customers..

For more information on Cars hire services in Bangalore

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Hello,I am from Bangalore Car rental . you can get more information on

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US stock markets reach 12-year lows

Posted by: kf2FZ6in Uncategorized

Thursday, March 5, 2009 

US stock markets dropped to twelve-year lows on Thursday, amidst falling confidence in the financial sector and worries over whether the US automobile manufacturer General Motors will be able to keep operating.

The Dow Jones Industrial Average dropped by 4.08%, or 280.52 points, at the closing bell, reaching a level of 6595.32, a new 12-year low. The Nasdaq Composite lost 54.15 points, or 4%, to 1299.59, while the Standard & Poor’s 500 plunged by 30.27 points, or 4.25%, closing at 682.60.

Every stock in the Dow Jones, other than Wal-Mart, either lost ground or remained even, and all stocks in the S&P 500 index lost ground.

General Motors’ shares lost 15.5% after the auto firm announced that its auditors had “substantial doubt” over whether it would be able to keep operating.

Shares of financial companies were lower by nine percent, with Bank of America losing 11.7% and Citigroup falling by 9.7%.

“What’s most worrisome is that we haven’t hit the crescendo yet,” said Bill Groeneveld, the head trader for vFinance Investments. “Asset-management divisions are getting calls to just liquidate everything, and we haven’t seen the big players come back in at all.”

“This is one of the worst bear markets in the last 100 years; it started out with the credit crisis and the subprime [loans], but it is like a forest fire that has raced across the clearing and ignited other parts: Autos, auto parts, the insurance companies have been hit very hard. The credit crisis is causing an unraveling of industry after industry because the banks don’t lend,” said David Dreman, the chief investment officer of Dreman Value Management.

European markets were also lower today, with the London’s FTSE index losing 3.2% and the DAX index of Germany falling by five percent.

Saturday, August 25, 2007 

The leading supplier of school uniforms in the United Kingdom, Lancashire-based manufacturer Trutex, has announced it is “seriously considering” including GPS tracking devices in future ranges of its uniform products after conducting an online survey of both parents and children.

“As a direct result of the survey, we are now seriously considering incorporating a [tracking] device into future ranges” said Trutex marketing director Clare Rix.

The survey questioned 809 parents and 444 children aged nine to 16. It showed that 44% of parents were worried about the safety of pre-teen children, and 59% wanted tracking devices installed in school apparel. 39% of children aged nine to 12 were prepared to wear clothing with tracking devices in them, while teenagers were notably less enthusiastic and more wary of what Trutex has admitted they see as a “big brother” concept.

However, Trutex has claimed the tracking devices would bring about worthwhile benefits, including being a valuable resource for parents who wanted to keep a close eye on where their children were at all times.

“As well as being a safety net for parents, there could be real benefits for schools who could keep a closer track on the whereabouts of their pupils, potentially reducing truancy levels” says Rix.

Each year, Trutex supplies 1 million blouses, 1.1 million shirts, 250,000 pairs of trousers, 20,000 blazers, 60,000 skirts and 110,000 pieces of knitwear to the UK.

It is not the first company to manufacture school uniforms with a central focus on child safety; last week Essex firm BladeRunner revealed it was selling stab-proof school blazers to parents concerned about violence against their children. The blazers were outfitted with Kevlar, a synthetic fibre used in body armour. It has already received orders internationally, including Australia.

If the Trutex tracking devices go ahead, it is unclear where in the uniform they will be located.

Have Fun With Bombay Dyeing Bed Sheets Online Shopping

Posted by: kf2FZ6in Uncategorized

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Have fun with Bombay Dyeing bed sheets online shopping



Bombay Dyeing is one of the best brands offering some of the finest bed sheets and pillow covers and cushions covers in the world. Online customers can make the most of the huge discounts being made available on the original Bombay Dyeing bed sheets price. To know the prices on the Bombay Dyeing double bed sheets you can become a member at the reputed sites offering them. You couldn t get better offers anywhere else as compared to the online sites offering bed sheets online.\\\\r\\\\\\\r\\\The discounts are huge and the savings made can be used to purchase a few more Bombay Dyeing products. Customers can make a choice from the Sanganeri print bed sheets, Around the world Polka Dots Bed sheet, Greece Series Bed sheet, the Taj Mahal Series, the NY Bed sheet, the Pyramid Series Bed sheet, the London Bridge Bed sheet, the Leaning Tower of Pisa, the Cruise Series Bed sheet, Sydney Harbour Bed sheet, Statue Of Liberty Bed sheet, Purple And White Colour Single Bed Sheet and the Sky Blue And White Colour Single Bed Sheet and double bed sheet all of which come with 2 beautiful pillow covers as well. \\\\r\\\\\\\r\\\At a button s click you can get to see Bombay dyeing bed sheets images online. The Bombay Dyeing bedsheets are available in sizes to suit every single and double bed perfectly. If you are looking for high quality Bombay Dyeing bed sheets with price that can attract anyone, then these are some of the best ones to select. Bed sheets are designed with inspiration from the seven wonders across the world. The Bombay Dyeing bed sheets online shopping collection has been exclusively designed to get the explorer aroused in every one keen at buying bed sheets for their homes. \\\\r\\\\\\\r\\\Cotton satin used in their making is 100% pure with superb finishing. To maintain whiteness in the Bombay dyeing bedsheets, Perma White property is used. Hence after as many washes as possible the bed sheet fabric continues to look as lustrous, soft and as supple as possible. To buy cushions online for your sofa you will need to do some online research. Huge discounts from a range of 13% to around 37% are offered thus reducing prices to Rs.629 to Rs.1999/- for various cotton bed sheets in exclusivedesigns. Just a single impressive sofa with some nice looking cushions with suitable matching bed sheets can complete the look of the bedroom. To avoid feeling restless and too dazzle, keep the accessories in the bedroom to their minimum. \\\\r\\\\\\\r\\\To buy cushions online India there are a number of reputed sites to access at a button s click. Ribbon work on cushions is simply a great choice to consider enhancing the look of your sofa. To give the room a spacious feeling, the corner sofa with suitable cushions for wooden sofa also proves to be a perfect choice. Most essential for you is to check quality of framework of the sofa. Try to get an idea on wooden couches with cushions online and how solid and durable its framework could be to even endure the roughest use. You could even take an expert along to check sofa joints and determine whether glue, nails, mortise and tenon etc is used or not.

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If you are looking forward to your

bombay dyeing bed sheets online shopping

, remember to keep a few things in mind. The colour of your furniture, the

cushions for wooden sofa

, the design and colours for rugs as well as curtains can help you decide on specific colours that will look best in your room.

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Millions of old New Zealand coins still to be handed in

Posted by: kf2FZ6in Uncategorized

Wednesday, October 25, 2006 

On November 1, 2006 the old five, ten, twenty and fifty cent coins will be illegal tender, but the Reserve Bank of New Zealand says there are still at least 100 million still to be returned.

According to the Reserve Bank, most of the old coins have been lost in drains or buried in rubbish. “We think there is still another 100 million sitting around in people’s homes,” Brian Lang, currency manger for the Reserve Bank, said.

Lang said: “So far, just over 280 million coins have been returned, but there are more out there. Since 1967 the Reserve Bank has issued more than a billion of the old ‘silver’ coins. So if you don’t want to be stuck with loads of old coin – there’s never been a better time to empty your coin jars, sweep the car glove box and rummage behind the couch cushions.”

The coins still awaiting to be handed in, by either spending them, taking them to a bank or donating them to charity, are estimated to be worth between NZ$5 million and $50 million.

“A last-minute burst of publicity may convince people to bring the coins in. It’s a bit of a hassle though. Human nature being what it is, people just don’t care,” Lang said. The Karori Wildlife Sanctuary located in Wellington say that they have collected over $9,000 in old coins. Sanctuary spokesman, Alan Dicks said: “The campaign was particularly fitting because the old coins depicted tuataras and kiwis, both of which can be found living at the sanctuary. The money will go towards supporting general ecological restoration of the sanctuary. We want to get over ten grand, but the more the better.”

Lang said: “Though the coins will no longer be legal tender, banks will continue to exchange them until at least the end of the year,” and the Reserve Bank will always exchange them. “We are still getting people coming in with two-dollar notes,” Lang added.

The Committee on Oversight and Government Reform is a United States House of Representatives committee that has existed in varying forms since 1816.

The Committee on Oversight and Government Reform is the main investigative committee in the U.S. House of Representatives. After Republicans gained control of the House in 1995, the committee was reorganized to include just seven subcommittees. This reorganization consolidated the jurisdiction previously covered by 3 full committees and 14 subcommittees, and resulted in a 50 percent cut in staff.[1] In 2007, Henry Waxman, (D-CA) the chairman of the committee proposed an additional reorganization which combined the duties of the seven previous subcommittees into five. This reorganization was adopted by the full committee January 18, 2007.[2]

As of the 114th Congress, the Chairman of the House Oversight and Government Reform Committee is Rep. Jason Chaffetz of Utah and the Ranking Member is Maryland Congressman Elijah Cummings.

The Committee’s government-wide oversight jurisdiction and expanded legislative authority make it one of the most influential and powerful committees in the House. The Committee serves as Congress’ chief investigative and oversight committee, and is granted broad jurisdiction. The chairman of the committee is the only committee chairman in the House with the authority to issue subpoenas without a committee vote.[3] However, in recent history, it has become practice to refrain from unilateral subpoenas.[4]

It first appeared as the Committee on Expenditures in the Executive Departments, which was created in 1927 by consolidating the 11 Committees on Expenditures previously spread among the various departments of the federal government to oversee how taxpayer monies were spent. The Committee’s immediate predecessor, the Committee on Government Operations, was established in 1952. The name change was intended to communicate the primary function of the committee: to study “the operations of Government activities at all levels with a view to determining their economy and efficiency.” It is the Committee’s government-wide oversight jurisdiction that sets it apart from other House committees. The committee was renamed in the 106th Congress as the Committee on Government Reform. While retaining the agenda of the former Committee on Government Operations, the Committee also has the responsibilities of the former Committee on Post Office and Civil Service and the Committee on the District of Columbia. On January 4, 2007, the 110th Congress changed its name to its current name.

This Committee was very active during President Bill Clinton’s term; it issued 1,052 subpoenas to probe alleged misconduct by the Clinton Administration and the Democratic Party between 1997 and 2002, at a cost of more than $35 million. Under this period, subpoenas could only be issued by the Committee chair, a rule change during the Clinton administration to facilitate investigations without delays caused by objections from minority members. By contrast, in the period between 1998 and 2007, chairman Thomas M. Davis and the Republican majority had permitted three subpoenas to the Bush administration, including one to the Defense Department over Hurricane Katrina documents.[5] The Boston Globe reported that an “examination of committees’ own reports found that the House Government Reform Committee held just 37 hearings described as “oversight” or investigative in nature during the last Congress, down from 135 such hearings held by its predecessor, the House Government Operations Committee, in 1993–94, the last year the Democrats controlled the chamber.”[6]

There was high interest in the priorities of the then newly installed Chairman Henry Waxman (D-CA) who told reporters after the November elections that “The most difficult thing will be to pick and choose” what to investigate.[7] Congressional leaders also renamed the Committee and five of its subcommittees to emphasize its new commitment to oversight responsibilities, and added a subcommittee on transparency.[8]

Between 2000 and 2006, various scandals were in the news that generated one or no subpoenas for testimony or documents. These events include the September 11, 2001 attacks, a leak of classified or secret information naming Central Intelligence Agency agent Valerie Plame, abuses and war crimes traced to the CIA in Abu Ghraib prison, evidence that charges that Iraq possessed weapons of mass destruction were knowingly false, illegal campaign contributions by lobbyists including Jack Abramoff, billions of dollars in preventable damage and thousands of deaths due to an incompetent response by the Federal Emergency Management Agency (FEMA) and its contractors during Hurricane Katrina in the U.S. Gulf Coast, and the suppression of accepted scientific data such as that of the National Aeronautics and Space Administration supporting the theory of global warming by Philip Cooney. After revelations in the Downing Street memo, a document containing incriminating information on the buildup to the Iraq War, Democrats in the minority were refused even a hearing chamber and were forced to meet in the basement of the U.S. Capitol Building on the matter.[9]

Since the November 2006 elections, The Washington Post published a series of investigative articles on the poor Congressional oversight of government contracts.[10][11][12][13]

The committee, under Davis’s chairmanship, launched two notable investigations that were considered controversial. One was an inquiry into the decision to remove life support from Terri Schiavo. The Committee issued a subpoena, without any Democratic objections, requiring Schiavo to “appear” so that members could “examine nutrition and hydration which incapacitated patients receive as part of their care.” The apparent objective of this, beyond providing a learning opportunity to committee members, was to delay the pending termination of Schiavo’s life, whose wishes were in dispute, while the Congress considered federal legislation specifically targeted at Schiavo’s death order.[14] Minority members opposed the action. Chairman Davis said it was “a legitimate legislative inquiry.”[15] Davis issued a joint statement with House Majority Leader Tom DeLay (R-Texas) and Speaker of the House Dennis Hastert (R-Illinois) that stated: “This inquiry should give hope to Terri, her parents and friends, and the millions of people throughout the world who are praying for her safety. This fight is not over.”[15][16]

Another controversial investigation was one into the use of anabolic steroids by players in Major League Baseball.[17] The trigger for the hearings was publication of a memoir, Juiced: Wild Times, Rampant ‘Roids, Smash Hits & How Baseball Got Big, by Jose Canseco.

They also investigated World Wrestling Entertainment regarding their talent wellness/drug policies, after speculation of possible links between steroid use and the death of WWE performer Chris Benoit.[18]

On July 8, 2009, the Committee Republicans released an investigative staff report discussing the financial collapse of 2008–2009.[19] The report alleges that the government was the cause of the collapse, due what it described as government meddling in the United States housing and lending market in the name of “affordable housing”.

The committee hold hearings and conducts investigations as part of its oversight duty.

March 23, 2010, the Patient Protection and Affordable Care Act was passed that would “require all employers to cover birth control free of cost to women”.[20] In January 2012, the Department of Health and Human Services released the rules governing religious institutions that needed a Conscience clause. Those new rules were widely condemned for infringing on the Free Exercise Clause.

In February 2012, the committee held a hearing entitled, “Lines Crossed: Separation of Church and State. Has the Obama Administration Trampled on Freedom of Religion and Freedom of Conscience?” [2]

The hearing “was supposed to be about religious freedom and a mandate that health insurers cover contraception in the United States”, according to ABC News,[21] which also reported that “Issa said the hearing is meant to be more broadly about religious freedom and not specifically about the contraception mandate in the Health Reform law.”

The agenda, speakers list, and topics were finalized and published Monday, February 13, and were divided into two panels, the first, in the morning, to be of clergy/religious leaders/theologians, who could authoritatively speak for various religious denominations about their needs or lack thereof for a conscience clause, to hear testimony from leaders of different faiths who “are concerned that government, under this Administration, is encroaching on their First Amendment rights.”[22]

The second panel met in the afternoon, and was composed of lay or religious leaders of religious-affiliated institutions that would be affected by the wording of the conscience clause.[23] Democrats were offered two spots on each of the two panels, but failed to nominate any speakers by the 13th. Rep. Issa verbally confirmed that Democrats had asked Rev Barry Lynn, a prominent theologian, to speak, and his name was added to the speakers list, though without topics, or assignment to a panel, since no complete written nomination had been received by deadline.

On the day of the hearing, Democrats demanded the committee also add Sandra Fluke, a woman enrolled at Georgetown, to the panel (clergy) that had just sat, and that she be allowed to speak “now”, but committee chairman Issa said Democrats could not add their witness because she was not a member of the clergy.[21]

As an accommodation, Ms. Fluke’s speech at a media event from the previous week (substantially the same as the speech she intended to give), was added to the hearing record,[24] Criticism of the views contained in that speech, (which was also delivered again a week later at a venue outside the Committee) especially by Rush Limbaugh, launched the Rush Limbaugh–Sandra Fluke controversy.

Issa, who chairs the House Oversight Committee, announced that he is investigating the Justice Department’s actions in prosecuting Swartz’s case.[25] In a statement to the Huffington Post, Issa praised Swartz’s work toward “open government and free access to the people.” Issa’s investigation has garnered some bipartisan support.[26]

On January 28, House Committee on Oversight and Government Reform chairman Issa and ranking member Elijah Cummings published a letter to Attorney General Holder, questioning whether prosecutors intentionally added felony counts to increase the amount of time Swartz faced in prison.[27] Indeed, the former 4 felony counts on July 14, 2011, jumped to 13 counts on Sept. 12, 2012.[28] Their letter read, in part:

It appears that prosecutors increased the felony counts by providing specific dates for each action, turning each marked date into its own felony charge, and significantly increasing Mr. Swartz’s maximum criminal exposure to up to 50 years imprisonment and $1 million in fines.[28]

Boston’s WBUR has reported that US Attorney in charge for the Swartz prosecution, Carmen Ortiz, is expected to testify before the committee’s upcoming probe into the handling of the Aaron Swartz case.[29]

Oversight and Government Reform Subcommittees Website