AKNASC.COM website Suspended

The Alaska division of the Northwest Association of Accredited Schools was stripped of its use of NAAS labels and logos by NAAS DEIA agents. In addition, the website AKNASC.COM was suspended a second time on December 29th, 2009. The Alaska division is headed by Chuck Fannin, a corrupt Principal, employed at South Anchorage High School.

Click on this link http://www.aknasc.com to verify.

According to public documents obtained from the website of phony NAAS imposter Northwest Association of Accredited Schools, and its criminal suspect President David Steadman, these persons are responsible for the Alaska division:

Dwight Probasco,Chuck Fannin, Helen Mehrkens,Daniel Walker.

It should be noted that Helen Mehrkens is an executive employed by the Alaska Dept. of Education. Like her hero Sarah Palin, Helen Mehrkens is a dirty woman willing to lie in the gutter for a few stinking dollars. The only thing that motivates the state of Alaska to continue ties with Northwest Association of Accredited Schools is greed and indifference for the quality of education of students in Alaska.

If an organization (Northwest Association of Accredited Schools/AKNASC.COM) can't properly manage adherence to a basic corporate code of ethics then how is it possible for it to ascertain the credit worthiness of others??

Despite numerous warnings commencing as early as March 2009, these trademark thieves and infringers did not abide by a CEASE AND DESIST letter, and did not deter their apparent leader David Steadman from engaging in deceptive acts and perjurious conduct that is alleged against him.

Instead of promptly complying with known U.S. federal laws, these utterly corrupt persons and apparent Red-square sympathizers and radical subversives sought guidance by laws and customs not from the United States of America. Their source of inspiration is certainly not from the U.S. Constitution, but most likely from the discredited policies and politics of Communist Russia. After-all, Russians routinely steal, and Russians routinely lie.

Indeed, the difference between an honest person and a criminal is that the honest person seeks to abide by the law, and promptly correct his/her behavior when notified of an alleged or possible wrong. The criminal, on the other hand, needs to be FORCED (by court order, arrest, conviction, embarassment, or suspension of services) to comply with the same set of laws.

It is my firm belied and opinion that Dwight Probasco,Chuck Fannin, Helen Mehrkens, and Daniel Walker are an absolute disgrace, and traitors of the United States of America. Either obey American laws OR enlist citizenship into Communist Russia, North Korea, or some other den of Marxism.

NAAS Holiday Hours

Greetings! We wish everyone a Merry Christmas and Happy New Year. From December 25th, 2009, to January 11TH, 2010, NAAS office staff will be on extended holiday break. Online staff will still be available to persons who complete NAAS EAS/N2 GEC Form 001, or NAAS EAS/N2 GEC Form 002.

NAAS tshirt apparel will be updated for the upcoming new year, along with the release of new and exciting NAAS products and services, and new content for the NAAS Subscriber area.

If you ordered an NAAS product or service online, and you did not receive it after 2 weeks you are entitled to a refund. This represents the new NAAS Assured Policy. Simply complete NAAS EAS/N2 Form GEC 001, and a refund will be provided to you subject to the condition that your claim is within 30 days of the initiation of your order.

Important Notice: Deferral of NAAS Awards

National Academy of American Scholars is developing a series of multi-media projects and software suites that will require a significant amount of intensive programming, planning, analysis, and labor.

Unfortunately, these series of projects will not allow sufficient resources to focus upon the current term of NAAS Awards to a level that is most students, parents, and educators have traditionally expected from an NAAS Administration. Therefore, the 20th NAAS term will be deferred until the following term thereafter, unless notified to the contrary. This decision does not affect the NAAS Subscriber area, or advertising affiliattes like USAVideo.Biz

Pending and submitted NAAS Awards will still be honored, accepted, but deferred administrative action until such awards are affirmatively re-activated for an active term per NAAS EAS/N2 Rules. The NAAS.ORG website will be updated in appropriate areas to reflect this change.

For further questions on this issue, please submit questions via NAAS EAS/N2 Form GEC 002, OR refer to the member-area for NAAS Subscribers.

The Association of Washington School Principals

The Association of Washington School Principals
1021 8th Ave. S.E.,
Olympia, WA 98501-1500

Washington Student Leadership
Cispus Learning Center
2142 Cispus Road
Randle, WA 98377

NAAS DEIA Agents forcefully strip The Association of Washington School Principals from NAAS logos and trademarks. The Association of Washington School Principals is the Washington state affiliate of Northwest Association of Accredited Schools. Both organizations are guilty of using the NAAS logos and trademarks illegally and without compensation to the owner.

A Cease and Desist letter sent in March of 2009 informing both organizations of U.S. trademark laws was disregarded by both suspicious organizations. Eventually, the rule of law prevailed.

Notice to Clark County Collection

Clark County Collection Service
Attn: Christine James/Nick Parks/Warren Johnson

(702) 889-9229; 702-877-8977; 702-940-5118

6124 W Sahara Ave
Las Vegas, NV 89146
In Ref: "Steven J. Worth/Wirth"

Dear officials:
We have received numerous telephone calls in reference to the above-identified person. Please note that this person is not associated with, not employed by, and is in no way,shape, fashion or form an agent or representative of National Academy of Academy of American Scholars.

Please improve your procedures because it is evident your firm repeatedly calls wrong numbers, an relies upon false information provided by debtors. Please remove the public phone number of National Academy of American Scholars off of your list.

NAAS Mailing list

The new NAAS Mailing list is now active. We encourage persons whom want to receive NAAS literature to get on the official NAAS Mailing list be completing NAAS EAS/N2 Form 0044.

Non-working NAAS Emails; Start Logic Equipment

For the past 10 days, email addressses associated with National Academy of American Scholars have not been receiving or sending out emails. Certain affliates have also been affected. The reason is because of technical issues related to Start Logic servers. Start Logic is the company that currently handles email services for root NAAS email addresses.

Therefore, if you did not receive an expected reply from an NAAS Agent it is not because we ignored your inquiry. It is because of technical issues related to Start Logic equipment.

Thank you for your patience.

USA Video.Biz

National Academy of American Scholars (NAAS) does not accept direct or indirect advertising on it central NAAS.ORG channel. Unlike organizations like the Better Business Bureau, and other non-profit organizations that lease or barter their logos in the form of "accreditation" or "approval seals", National Academy of American Scholars does not permit the practice with NAAS logos.

The practice of accepting advertising fees from the same persons that are focal points of media reports (or, in the case of the BBB, so-called Reliability Reports) is considered unethical by National Academy of American Scholars.

Instead, we urge potential and legitimate advertisers to consider purchasing a directory link via USA Video.Biz. This an entity sponsored by National Academy of American Scholars.

USA Video.Biz is a full-service multi-media online Business Directory that features multiple categories, search-engine optimization, and enhanced search engine rankings on Youtube, Google, Yahoo, Bing, and other major portals.

As a bonus, NAAS Subscribers have the option of including a one-year USA Video.Biz subscription/link addition at no extra costs.

For a view of their website, please visit http://usavideo.biz

Public sector banks to go easy on personal loans

Public sector banks are going easy on personal loans, good news for people are in need of money can apply for personal loan. Earlier PSBs were abstaining from giving personal loans but now they are loosening the strings on personal loans.

Mr J.P. Dua, Executive Director, Allahabad Bank, told Business Line, “Personal loans are again becoming a significant segment of retail portfolio. In fact, it is time the public sector banks occupied the space vacated by private sector majors such as ICICI Bank”.

On the other hand, till last year private banks, were going aggressive on personal loans lending but now they are getting cautious due to high default rate. They are not focusing much on retail.

For instance ICICI Bank largest private sector bank retail portfolio has decreased to Rs 86,400 crore by September 2009 as against Rs 1,22,500 crore a year ago.

Mr R.S. Reddy, Chairman and Managing Director, Andhra Bank, informed, “In our retail growth, personal loans too are a part. We are offering them along with other products such as gold loans.”

A senior official of State Bank of Hyderabad pointed out the PSBs are charging relatively low interest in order to attract loan seekers.

He stated, “Generally, the interest on personal loans is about 200 basis points more than prime lending rate. This is much lower that charged by private banks and non-banking finance companies”.

However private banks and NBFCs are charging between 16 and 24 per cent, for the loan amount ranging between Rs 50,000 and Rs 2 lakh which is to be repaid in 24-36 months.

A senior SBI official informed, personal loan is being looked as a ‘good’ segment and it is not reluctant’ to expand advances.

Also low credit off take in other sectors (such as corporate lending) is responsible for increased interest in personal loans.

As per RBI data, this fiscal (till October) the bank credit had grown by 4.5 per cent as compared to 12.1 per cent last year. While on a year-on-year basis, it had grown 9.5 per cent as against 28 per cent last year.

The main aim is to tap existing customers. Mr Dua said, “This approach keeps our portfolio healthy.”

According to Mr Reddy, “Catering to the needs of our customers alone can be generating good business”.

SBI country’s largest public sector will be considering the loan on a case-to-case basis for salaried categories even though they are not bank’s customers.

During the diligence process some of the other parameters that are taken into consideration are clean credit history, salary credit into a bank account and high disposable income.

NAAS Subscription Page Activated.

The NAAS Subscription page is now fully re-activated. We encourage educators, students, and scholars to become NAAS Subscribers, and take advantage of the incredible benefits of becoming an NAAS Subscriber.

Please note that we are still adding content, upgrading content, and improving the over-all websites of both the member-privileged areas. and the public areas of the NAAS.ORG websites.

NAAS Multi-Media Applications forms have no fees in the member-privileged area.

We will strive to offer the best possible merit-aid related products and services on the Internet.

Please do not hesitate to contact us.

NAAS Subscription Activation Keys

All NAAS Subscribers prior to November 15th, 2009, are encouraged to upgrade to the new NAAS.ORG NAAS Subscription Member Services. This can be accomplished by submitting a new subscription at http://www.naas.org/

NAAS Media Reports will still be hosted at NAAS-NEWS.INFO as well as at NAAS.ORG however NAAS Multi-Media Application forms, and most subscription features will reside with NAAS.ORG.

The new NAAS Member login area is complete, and the final files embedded with security consraints are being uploaded as I type this note.

The new subscription price will be $20.00 for a full year. The price will include a free NAAS T-shirt (while supplies last), and an NAAS Multi-Media DVD; no shipping charges.

We anticipate public activation by 2100 hours tonight.

Thank you!

NAAS Subscription Purchase News

Thank you for your interest in NAAS Subscription Services. As posted on website, the subscription feature is temporarily unavailable because we are adjusting the pricing schedule, and adding new features, products, and services for new Subscribers.

Also, we are updating the subscriber member-privileged areas. The new security features are being tested as we write, and are anticipated to be complete by Nov. 15th, 2009.

Please submit your subscription again by November 15th, 2009. This notice does not effect NAAS DVD purchasers. NAAS DVD/Multi-Packet purchases are shippd within 10 to 14 days of receipt of verified payment.

We thank you for your patience while we improve and expand upon our existing suite of NAAS services.

NAAS DVD/Multi-Media Packet Orders

We thank everyone for their NAAS DVD/Multi-Media Packet Orders. We are upgrading the NAAS Multi-Media Packet with the latest Adobe technology at extra costs to our subscribers and purchasers. The upgraded version will be shipped to all persons who purchaed an NAAS Multi-Media Packet on or after Oct. 31, 2009.

State-by-State Listing of Phony 'NAAS' Schools

There is considerable confusion as to what organizations are endorsed, approved, or accredited by National Academy of American Scholars (NAAS). Therefore, we have published a State-by-State Guide that features what schools ARE NOT accredited by National Academy of American Scholars (NAAS).

Phony FaceBook tied to Northwest Association

A phony FaceBook account that was apparently created by an officer of Northwest Association of Accredited Schools was shut down today by NAAS DEIA Agents, with the assistance of FaceBook Inc. Leonard Paul, an officer of Northwest Association of Accredited Schools, was the public signer on the account. He is suspected of creating a phony FaceBook account on October 8th, 2009, nearly 2 months after the U.S. Patent & Trademark Office suggested that the use of the NAAS label by his company was fraudulent and infringed upon the rights of National Academy of American Scholars.

Despite a CEASE AND DESIST letter sent via certified U.S. mail to David Steadman, despite a formal rejection by the U.S. Patent & Trademark Office, despite being dropped by Boise State University, and numerous others persons who respect and obey U.S. federal laws, and despite their repeated failures to censor the NAAS NEWS Media reports, officials from Northwest Association of Accredited Schools, and their die-hard Russian affiliates, Communist sympathizers, and Aryan worshippers tied to the Idaho State Dept. of Education still have not quite grasped that their credibility and integrity is about as high as child molester and kidnapper Phillip Garrido.

The entire state government apparatus of Idaho must be on the Russian payroll. Lack of respect for U.S. federal laws is typically a definite early warning sign of traitors, spys, and Russian sympathizers. Certainly one can suspect Nick Smith, Tom Luna, and Richard Bauscher as potential moles or agents of Northwest Association of Accredited Schools. After all, NAAS Media Reports have not been contested by either person.

What about the daughters and sons of David Steadman?? They signed on to the phony FaceBook account. Are we to surmise that fraud, indecency, stupidity, and perversity is a family affair for the Steadman family?


Thank you for reading.

Address Confirmation

The following is no longer a valid mailing address for National Academy of American scholars.
NAAS c/o Merit Committee,
1249 S. Diamond Bar Blvd. PMB #325.
Diamond Bar, CA 91765-4122

For a current NAAS mailing address, please refer to NAAS Home page.

Civil and criminal investigation of phony 'NAAS' Accredited Schools/Entities

Copy of notice sent to falsely accredited 'NAAS' schools affiliated with the education departments of Nevada, Washington, Oregon, Utah, Montana, Alaska, and Idaho.
cc:Association of Christian
Schools International (ACSI)

This electronic correspondence is being sent pursuant to NAAS EAS/N2 Rules.

This communication is authorized by public NAAS EAS/N2 Rules and represents a confirmation of that schools falsely claiming or using the NAAS label will be billed for both past and present use of the NAAS lable. Also, we announce a third defeat of Northwest Assocation of Accredited Schools, Inc.

A civil and criminal investigation of Northwest Association of Accredited Schools,
Inc, and fraudulent users of the NAAS label is ongoing. Such schools and entities that violate NAAS EAS/N2 Rules AND U.S. Trademark/Copyright laws have no legal credibility and lack general integrity. Schools and entities that have been publicly determined to be illegally using the NAAS label without authorization, or legal license, will be billed for both past unauthorized use and present usage fees.

On July 27, 2009, the United States Patent and Trademark Office officially refused
registration of the application submitted by Northwest Association of Accredited Schools, Inc, and its corporate alter ego (Idaho State Dept. of Education). The U.S. Government agreed with the legal assessment by NAAS DEIA Agents that Northwest Association of Accredited Schools, Inc., the Idaho State Dept. of Education, and all entities falsely claiming 'NAAS' accreditiation do so without legal authority.

Foreign schools and non-U.S. citizen students using the NAAS label without consent will be subject to both public and private complaints filed with federal agencies, including the Dept. of Homeland Security since Diploma Mills and Accreditation schemes have been linked to recruiting tactics used by terrorists.

Religious schools claiming affiliation with "Jesus Christ" and adhering to so-called "Christian principles", but illegally using the NAAS label without consent will be subject to both private and public complaint letters, and formal attempts to revoke their tax-exemption status by lodging public complaints to the Internal Revenue Service for violation of Internal Revenue Codes.

Special NAAS DEIA agents have compiled a complete and accurate list of all partners,
agents, affiliates, and schools, claiming affiliation and/or accreditaton via Northwest Association of Accredited Schools, Inc. Those schools and entites will be billed for both past and present usage of the NAAS label pursuant to public NAAS EAS/N2 Rules, and pursuant to prior case authority. A collection agency will be used if necessary to collect on accounts.

Attempts by Northwest Association of Accredited Schools, Inc., and their band of illegal 'NAAS' affiliates to deprive the public from factual and accurate NAAS Media Reports concerning the unauthorized use of the NAAS label, and their associated attempts to deprive from the general public the facts and circumstances why the federal government refused to accept a perjured trademark application implicates all falsely accredited 'NAAS' entities.

These facts will continue to be reported, as well as facts concerning the naked disrespect of the U.S. Trademark Act by an alleged 'accrediting organization (i.e., Northwest Association of Accredited Schools, Inc.), and their attempts to otherwise censor the NAAS.ORG websites from revealing these facts.

Claims that your school or organization has secured 'NAAS' Accreditation are false, untrue, worthless, and fraudulent. Your false claims will be contradicted and disputed on the Iternet, via post-cards, radio, via U.S. mail, person-to-person, and as many means and ways that are lawfully possible. Please refer to trademark laws and case authority cited in federal records against Northwest.Association of Accredited Schools.

Special NAAS User Fees are being assessed against unauthorized users of the NAAS trademark for the amount indicated in the previous invoice. Our records indicate that you were sent a billing notice for past and/or current usage of the NAAS label. As of today's date, we have not received evidence of your compliance with the terms required of unauthorized users.

We must therefore assume that your failure to address your legal responsibility is a direct admission of the public allegations posted on the NAAS News channels, and elsewhere. Thus, your school, business, or organization, will be subject to continuing legal claims and legal procedures, including, but not limited to, the classification of your entity as a Diploma Mill per NAAS EAS/N2 Rule 749.

ISP Network Service Interruption

Unable to view the NAAS.ORG website this morning?? Start Logic Hosting company is the current hosting company of the NAAS.ORG website.

Today, they announced a "network service interruption" that is affecting hundreds of their cliients. On October 8th, 2009, they announced a similar statement for explaining the downtime.

Hopefully, this issue will be resolved soon.

Service Interruption by hosting Company

Message Received from NAAS.ORG Hosting company:
We regret to inform that there was a short recurrence of a network service interruption this morning (10/6) at about 9:05 AM ET.

The interruption was caused by a failure of a Start Logic hosting company core routers, which caused an overload on our network. This would have affected some services such as CGI, FTP, Mail, or MySQL. We were able to temporarily fix the issue and restore all services at around 9:45 AM ET. However, we do expect to have a small degradation of services while we continue to make further adjustments to our Network.

We thank you for your patience and understanding during this time. Please continue to check this important system notice for the most up to date information regarding this alert.
**********
To counter inconsistent service and reliability from third-party hosting companies, and to ensure NAAS clients receive the same superior service they have received over 25 years, NAAS Staff has begun the process of developing appropriate plans and security measures to counter such unscheduled downtimes. This plan began 24 hours ago, and will be implemented within 72 hours of todays date. As one website is no longer available, the same website will appear seamlessly without interruption to service.

Server Issues (Down-time)

On October 1st, 2009. at around 1600 hours, the NAAS.ORG website was temporarily down due to a central database server undergoing routine maintenance. The NAAS.ORG website, and numerous other websites not related to National Academy of American Scholars, were similarly affected.

We apologize for the inconvenience this may have caused our clients, subscribers, and others who rely upon NAAS products and services was affected by the same issues.

We want to make it clear, however, that issues related to servers and hosting are beyond the control of NAAS Staff. We lease servers from companies deemed to be reputable, and host the NAAS.ORG on those servers. If, or when those servers, become dysfunctional, or being serviced for maintenance, it is possible that the NAAS.ORG website is temporarily inaccessible.

Technicians we have spoken to assert that the issue should be completed repaired by noon, the next day (Oct., 2nd, 2009).

Thank you for your patience and understanding.

NAAS Multi-Media Applications (New)

The new NAAS Multi-Media Applications went through a further day of testing to ensure optimum conditions across a wider spectrum of operating systems. Applicants/Users who attempted to access the link have been restricted until the program is fully tested for compability issues with the new Windows 7 operating system and the new Mac Snow Leopard system.

Thank you for your patience. Please anticipate no more than another 48 to 72 hour delay.

Thank you!!

Happy Labor Day 2009.

Happy Labor Day 2009.

Status: Idaho State Dept. of Education,

To Whomever it May Concern, etc, et al:

This electronic correspondence is a notice to all parties possibly affected by the subject matter hereof. It contains information in regards to the investigation of the business practices of the Idaho State Dept. of Education, a/k/a/ Northwest Association of Accredited Schools, Inc., their American affiliate companies that claim 'NAAS' accreditation, and certain Russian and foreign agents related thereto. These parties and certain others are currently being investigated for a variety of offenses in relationship to media stories, and their public attempts to file a trademark application that sought to steal or infringe upon the protected NAAS trademark.

The full details of these offenses have not been revealed inorder to protect the integrity of the ongoing investigation. Needless to say, the facts are substantial. Please review ongoing NAAS Media Reports on topics related Northwest Association of Accredited Schools, or the Idaho State Dept. of Education; the latter, the Idaho State Dept. of Education has admitted to engaging in criminal conduct and continues to use tax revenue from Idaho citizens to fund their illegal, illegitimate, and unethical 'NAAS' Accredition business practices.

Consumers, and the general public should be forewarned that employees of the Idaho State Dept. of Education, and certain Russian or foreign agents related thereto, may attempt to engage in such conduct as impersonating police officers, impersonating law enforcement officials, inpersonating FTC', 'USPS', 'FBI', officials, just as they have already publicly impersonated 'NAAS' commissioners, and 'NAAS' officers. The objective of this conduct may be to
obstruct the enforcement of federal laws that specifically prohibit the very conduct they are engaged in.

Certain of their conduct includes maliciously and illegally accessing public computers all in an attempt to thwart the enforcement of federal laws that prohibit their unauthorized, illegal, and outrageous scheme of selling phony 'NAAS' accreditation packages without the consent of and without compensation to the authorized owner of the label.

From a legal perspective, if these persons lack a valid warrant issued from a judge that has both inpersonam and subject matter jurisdiction, said warrant should be ignored, and treated like the same paper waste that comprises their phony 'NAAS' Accreditation certificates.

The credibility of the Idaho State Dept. of Education is about as high as kidnapping suspect Phillip Garrido, or convicted espionage spy Robert Phillip Hanssen.

NAAS Multi-Media Online forms and U.S. mail

Official NAAS Multi-Media Information Packets for the 2009-2010 session are being prepared to be sent next week. We have a backlog of requests that is being processed along with free NAAS thirts. These items may be shipped from our California distribution center. Parties that ordered or requested an NAAS Multi-Media Information Packets prior to the official commencment date of the XX term will be the first priority.

Persons interested in applying for the NAAS Awards may request to download forms as well via our website at http://naas.org/

Russian Agents tied to Idaho State Dept. of Education.

****NAAS SPECIAL BULLETIN***:

BEWARE OF EMPLOYEES OF THE IDAHO DEPT. OF EDUCATION
AND NORTHWEST ASSOCIATION OF ACCREDITED SCHOOLS POSSIBLY ENGAGING IN CERTAIN CONDUCT AND PRACTICES THAT MAY BE CALCULATED TO OBSTRUCT JUSTICE, AND IMPEDE THE DUE PROCESS OF LAW.

These tactics and conduct may include:
a. IMPERSONATING FBI, FTC, USPS, AND/OR POLICE OFFICERS;
b. CONTACTING THIRD-PARTY VENDORS, HOSTING COMPANIES, OR AGENCIES IN THEIR ATTEMPTS TO CIRCUMVENT THE TRADITIONAL ROUTE OF THE JUDICIAL PROCESS;
c. CONTACTING THIRD-PARTY VENDORS, HOSTING COMPANIES, OR AGENCIES IN THEIR ATTEMPTS TO CIRCUMVENT THE U.S. CONSTITUTION, AND THE CIVIL LIBERTIES OF PERSONS WHO ARE THEIR CRITICS.

On or about July 27th, of 2009, the U.S. Patent & Trademark Office officially REJECTED the fraudulent, deceitful, and corrupt application of the Idaho State Dept. of Education (a/k/a/ Northwest Association of Accredited Schools) in their suspected attempts to steal,misuse, mischaracterize the NAAS trademark, and associate the same with Russian companies, Communism, NAAS Accreditation scams, and other inferior products and services .

Despite a federal rejection by an independent U.S. Government agency, the defiant Idaho State Dept. of Education (a/k/a/ Northwest Association of Accredited Schools), and their Diploma Mill affiliates (per NAAS EAS/N2 Rules), continue to defy U.S. federal laws.

This circumstance of facts confirms NAAS Media Reports about suspicons regarding the lack of integrity, ethics, and the unlawful conduct of persons and companies associated with the Idaho State Dept. of Education.

Additional NAAS Media Reports will disclose, amongst other facts, evidence that ties Russian agents to the Idaho State Dept. of Education, and their use of Diploma Mills to license terrorists, and ID thieves.

New NAAS Multi-Media Packet (2nd Notice)

The new 2009-10 NAAS Multi-Media Information Packet has been uploaded to NAAS servers, and is ready for purchase and download. The cost is just $3.00 online, but is $5.00 if sent via the U.S. mail.

For details, see http://naas.org/

Fulfill pre-conditions to take Personal loans

To get a personal loan one has to fulfill pre-conditions such as a professional degree, a salary account or being an existing customer. Earlier personal loans were classified as unsecured loans but now this concept has changed and now these loans are linked to an existing relationship with a bank. Generally banks for sanction of these loans, ask for a salary account and the loan is linked to the monthly salary which show the cash flow of the borrower.

Private Banks have now started focusing on the salaried class or in-house customers similar to the public sector banks, to upsurge their unsecured loan portfolios. Before this private banks used to sanction these loans did not ask for collaterals in case the individual had a good credit history. Borrowers’ salary slip was enough to get a loan. But now banks are checking the customers’ financial status, work experience and about the company where the borrower is employed. According private bankers, “A customer could take a loan on the strength of a good credit history and use it to have multiple loans from various banks. These kinds of loans are getting weeded out”.

After the tightening of norms, the private banks such as ICICI Bank, HDFC Bank and Kotak Mahindra reduced their lending rates to about 15-18 per cent. The industry sources informed some of the banks used to charge 25 per cent or more on such loans before the tightening of norms. The interest rate varied for different customers.

Kamlesh Rao, executive vice-president of Kotak Mahindra Bank pointed out, “Because of rising defaults, private banks are going slow on granting unsecured loans, particularly those based on credit history. All of them have become extremely cautious.” “These loans are less than 2 per cent of our portfolio of unsecured loans.”

Kotak Mahindra Bank’s preferred customers for these loans are self-employed traders and salaried people who on average apply for loan size of Rs 7.5 lakh. The bank unsecured loan book amount to Rs 1,300 crore.

Bank’s loan division informed earlier Citibank used to be liberal in sanctioning unsecured loans, now the bank has put pre-conditions such as professional degree, preferably an MBA, engineering degree, or be a chartered accountant, according to the bank’s loan division. In case the borrower has an account or credit card with the bank, then bank give preference to these borrowers.

On the other hand it is not mandatory to have a salary account for HDFC Bank, but in-house customers are preferred. The bank charges high pre-payment penalty of 4 per cent on outstanding loan. Till last year ICICI Bank was the one to sanction maximum number of personal loans, has now stopped giving small-ticket unsecured loans. By the end of the first quarter bank unsecured loan book amounted to Rs 768 crore. At present bank is busy in rebalancing its funding profile before it starts working on building its growth.

The public sector banks on the other hand are expanding their personal loans portfolios aggressively by giving loans to only those customers having salary accounts with them. The public sector banks are following the cash flow-based model in which the salary is attached to the loan account and the due payment is deducted directly from the salary account every month.

The State Bank of India country’s largest lender is offering loans at 12.5-15.5 per cent to the borrowers who have salary accounts with the bank. An official of the bank told, “Our delinquency rates are very low as we base it on this model.”

SBI is having a personal loan portfolio of Rs 37,538 crore after a 16 per cent growth since last year. Bank is focusing on existing customers and the well off segment.

2009-10 NAAS Multi-Media Information Packet

The new 2009-10 NAAS Multi-Media Information Packet has been uploaded to NAAS servers, and is ready for purchase and download. The cost is just $3.00 online, but is $5.00 if sent via the U.S. mail.

For details, see http://naas.org

Special NAAS User Fees Accessed

INVOICE NOTICES ARE BEING SENT TO THE NETWORK OF FALSE AND FRAUDULENT 'NAAS' ACCREDITED SCHOOLS:

In ref: per NAAS EAS/N2 Rule 749, etc. (Definition of a Diploma Mill)

Special NAAS User Fees are being assessed against unauthorized users of the NAAS trademark for the amount indicated in tabular sent to illegitimate 'NAAS' accredited schhols. Debtor schools have infringed upon the intellectual property rights of National Academy of American Scholars and are being required to pay for their unauthorized uses of the famed 'NAAS' trademark.

Pursuant to NAAS EA/N2 Rules, falsely accredited 'NAAS' schools, and science chapters, that refuse to legitimize their past and current use of the 'NAAS' trademark are being classified as Diploma mills, Degree Mills, and Criminal Mills, in a new NAAS publication that has not yet been publicly released.

The new NAAS publication will features ALL illegitimate 'NAAS' accredited schools in Utah, Nevada,Washington,Oregon, Alaska, and Montana,, and those found by use of the Google or Yahoo search engines.

Schools, businesses, and associations being affected by this matter are being given an opportunity to pay the amount indicated within 30 calendays days. A failure to pay the sum indicated may result in further legal collection procedures against either the company, its officers, or its students, and placement of the subject school, business, or the names of their respective students or clients in the NAAS Bad Check Registry, and subject the same to further NAAS EAS/N2 Rules.

Debtor schools also have the option of entering into a new licensee agreement and thus waiving past usage fees. Please note that federal evidence submitted by Northwest Association of Accredited Schools can and will be used against your firm, if necessary, to seek a legal redress of the claim herein.

For a limited time, the cost to enter into a new license agreement for those affected by this notice is just a $50.000 annual fee. This is substantially less than the cost of the wasted funds used by Northwest Association of Accredited Schools, and substantially less than the fees you will encounter in defending your current and past unauthorized usage with a licensed attorney.

If a debtor school or person elects the option to decline a new subscription/license, then past usage fees will apply at rates from $150 per impresson per day.

Northwest Association of Accredited Schools DENIED!

To all parties affected by or whom have knowledge of the subject matter hereof.

As you are aware, a representative of Northwest Association of Accredited Schools submitted a seriously flawed, false, and quite deceptive application to the United States Trademark Office, seeking to register a mark nearly identical to a mark associated with National Academy of American Scholars (NAAS). In the instant matter, applicant sought to embed the NAAS trademark into its application, and thus associate the same with an entity that has not been endorsed, not been approved, and has not been licensed by registrant-of-record. The trademark application submitted by Northwest Association of Accredited Schools was done without the express consent of registrant-of- record.

To investigate the matter further, a series of external private attorneys were tested and intervewed by NAAS staff, including several attorneys whom have prominent listings in paid sponsored Google/Yahoo links. However, none of these persons were deemed qualifed, competent, or capable to execute the matter in accordance with NAAS standards, and U.S. laws.


An NAAS Special Agent appeared ex-parte and requested submission of new evidence. The request was granted pursuant to the case authority cited, as well as Trademark Act Section 2(d), 15 U.S.C. §1052(d); see TMEP §§1207.01 et seq. Based thereon, a REFUSAL TO REGISTER notice was submitted to applicant. The conclusion reached by the United States Patent & Trademark office is certainly appropriate and correct. The legal case authority against the legitimacy of the proposed application submitted by applicant is overwhelming.




Northwest Association of Accredited Schools currently has a direct relationship with seven(7) state education departments. However, this organization also offers accrediting services to schools in other states. State education departments in Alaska, Utah, Oregon, Nevada, Washington,Montana, and Idaho are the only states in the U.S.A. that appear to have agreed to accept wholesale the accrediting standards promoted by Northwest Association of Accredited Schools.
We sincerely hope that Northwest Association of Accredited Schools, its foreign supporters, and its network of false domestic NAAS entities will respect the U.S. Constitution, and the intellectual property laws of the United States of America. They must either discontinue their perverted covetous desire of a brand made famous by registrant-of-record, or they may consent to a licensing agreement to use the same as a legitimate and honest business would do.


We entirely support and applaud the decision of the U.S. States Patent & Trademark office to enforce the U.S. Trademark Act, and to deny the entire application submitted by Northwest Association of Accredited Schools.


We are continuing an ongoing national and world-wide effort of identifying and evaluating possible persons to publicly prosecute with respect to their unauthorized use of the NAAS brand. This effort extends to hosting companies, employers, donors, web designers, educators, attorneys who engage in acts of moral turpitude with respect to supporting or contributing to trademark infringement, and any other person(s) who violates NAAS EAS/N2 rules.


Those persons who continue to violate U.S. Trademark laws, or other federal laws, do so at their own peril. Time is of the essence for affected parties to purchase an NAAS Discount license to legitimize the display of the NAAS mark on their respective websites. We do not condone or approve of any person using the NAAS mark without approval. Such persons should be aware that their unauthorized use of the same (indirectly or directly) will likely bear far greater economic costs, continued liablity, or adverse publicity than any possible benefits.



Interested persons may refer to the notes below for a current list of NAAS news items and related NAAS videos that pertain to the subject matter hereof. Certain links may be temporarily enabled for the next 120 hours to be accessed without an NAAS Subscription or NAAS Access Card. Evidence of disabled links are left 'AS IS'.


National Academy of American Scholars (NAAS) is not the source of origin for the products, inferior presentations, broken web links, and questionable standards associated with NAAS imposters, copy-cats, and trademark infringers. <

U.S. Patent & Trademark Office Refuses Northwest.

On July 27, 2009, the United States Patent and Trademark Office officially refused registration of the application submitted by Northwest Association of Accredited Schools. A brief summary of the official letters is below:

REFUSAL: LIKELIHOOD OF CONFUSION UNDER SECTION 2(d)

Registration of the applied-for collective membership mark is refused because of a likelihood of confusion with the mark in U.S. Registration No. 2334969 [NAAS]. Trademark Act Section 2(d), 15 U.S.C. §1052(d); see TMEP §§1207.01 et seq. See the enclosed registration.

Likelihood of confusion may arise from the contemporaneous use of a collective membership mark on the one hand and a trademark or service mark on the other. The same standards used to determine likelihood of confusion between trademarks and service marks also apply to collective membership marks. See 15 U.S.C. §1052(d); In re National Novice Hockey League, Inc., 222 USPQ 638 (TTAB 1984); Allstate Life Ins. Co. v. Cuna International, Inc., 169 USPQ 313 (TTAB 1971), aff’d, 487 F.2d 1407, 180 USPQ 48 (C.C.P.A. 1973); Boise Cascade Corp. v. Mississippi Pine Manufacturers Assn., 164 USPQ 364 (TTAB 1969). TMEP § 1304.08(b)
=============================

An NAAS Media Report is being prepared to document, discuss, and report the rejection.

Personal loan figures are lowest amongst various loan segments

The Reserve bank of India (RBI) has released a data according to this industry and agriculture sectors have absorbed a larger amount of the total gross bank credit while in the personal loan segment it is limited also home loans and credit cards has shown decline.

The figure of loans given to the real estate sector is high as it includes all the loans given to the development of hospitals, educational institutes, hotels and commercial finance. The real estate industry has absorbed 47.4% of the total bank credit against 43.2 per cent a year ago.

On the other hand personal loans, such as housing, credit card outstanding, education, consumer durables, and advances against fixed deposits amounted to 7.6 per cent of the incremental non-food credit therefore shows limited lending in this segment. By the end of May, the total amount of personal loans has declined to Rs 29,266 crore as against Rs 72,777 crore a year ago.

According to M Narendra, executive director, Bank of India, “Credit absorption by infrastructure companies have been encouraging, we expect other segments to fall in line with the busy season in the second half. With the economic conditions improving and interest rates going down substantially, housing should see a revival this year. In fact, home loans have started improving, but credit cards are down as banks are cutting back on their losses”.

Steep rise in real estate prices in metros is also responsible for the dull demand home loan segment. By the end of May home loans stood at Rs 13,028 crore, whereas total home loans at the end of May 2008 amounted to Rs 31,735 crore. There was decline in the credit card outstanding by May-end which had come down to Rs 381 crore as against Rs 7,116 crore in the corresponding period a year ago.

However the education loans showed a substantial growth with the total outstanding of up to Rs 7,338 crore by the end of May 2008 from Rs 5,914 crore a year ago, the reason being most of the banks especially the public sector banks had aggressively increased their portfolios.

A decline was seen in the negative growth in consumer durable loans of up to Rs 300 crore at May-end as against Rs 534 crore at the end of May last year.

RK Bakshi, executive director, retail, Bank of Baroda explained, “The growth in credit deployment was lower in 2008-09 because of the economic slowdown in the normally busy season of second half of the year”. In fact the growth in loans to the commercial real estate, continued to be high. In May 22 the loans to the real estate sector had risen to Rs 32,321 crore from Rs 17,018 crore at the end of May 2008.

Refusal of NAAS Registration by Northwest Assoc.

On July 27, 2009, the United States Patent and Trademark Office officially refused registration of the application submitted by Northwest Association of Accredited Schools. A brief summary of the official letters is below:

REFUSAL: LIKELIHOOD OF CONFUSION UNDER SECTION 2(d)

Registration of the applied-for collective membership mark is refused because of a likelihood of confusion with the mark in U.S. Registration No. 2334969 [NAAS]. Trademark Act Section 2(d), 15 U.S.C. §1052(d); see TMEP §§1207.01 et seq. See the enclosed registration.

Likelihood of confusion may arise from the contemporaneous use of a collective membership mark on the one hand and a trademark or service mark on the other. The same standards used to determine likelihood of confusion between trademarks and service marks also apply to collective membership marks. See 15 U.S.C. §1052(d); In re National Novice Hockey League, Inc., 222 USPQ 638 (TTAB 1984); Allstate Life Ins. Co. v. Cuna International, Inc., 169 USPQ 313 (TTAB 1971), aff’d, 487 F.2d 1407, 180 USPQ 48 (C.C.P.A. 1973); Boise Cascade Corp. v. Mississippi Pine Manufacturers Assn., 164 USPQ 364 (TTAB 1969). TMEP § 1304.08(b)
=============================

An NAAS Media Report is being prepared to document, discuss, and report the rejection.

Loans are good or bad?

Most of us have taken loan but we don’t know how to classify the loans whether it is good or bad?

A loan which adds to your earning capacity or taken for increasing productive skills then it can be classified as good loan. In case a loan is taken to meet some emergency must not be classified because it is must it cannot be good or bad.

For classification of loan the purpose for which it is being taken is important. Therefore the other deciding factor is the cost.

The cost effectiveness of the loan is related to the purpose for which you are taking loan. The education loan taken for higher studies or the student is from poor family and cannot continue his school; this loan is classified as good because this will generate significant earning capacity in relation to their cost and are available at a low interest rate. On these loans there is tax reduction facility which reduces the post tax of the loan.

The second purpose can be loan taken to fund the cost of your own residence such as renovation or adding a floor. Usually the price of this asset increases in value and will be the source of pension income or retirement by means of reverse mortgage.

The third purpose can be to buy a vehicle reasonably priced. This can add up in your productivity which is getting low because of the bad condition of public transportation in most of the cities in India.

Another reason for taking loan can be for funding expensive/luxury consumer items. With the booming of malls there has been increase in the usage of plastic money which means more and more swipe giving rise to more and more debt.

Then the credit cards having high debt for longer duration can land you in a financial crisis. Thus the loan against credit card should not be more than 30-45 days, as bank charge high interest on this.

Some people take loan for tentative purposes such as for investment in stock market. This is not right this can put you in miserable situation. Whenever there is set back in the share market you might face a great loss, such situation came in the last fiscal year when there was global economic crisis.

Hence before taking loan keep in mind these points which can help you in taking the right decision.

SPAM Attack

An apparent Spamster has attempted an intrusion into the NAAS Network on Saturday, July 25, 2009, at 12:54AM, PDT, and appears to be impersonating an NAAS.ORG email address.


The person can be traced to the following IP Address:
68.99.154.245

Consumers are being told to click on the following link:
http://accedomedia.com/enterpage.html

Email addresses that purportedly received the email message are as follows:
admischat@ucmail.uc.edu, artsci.admission@uc.edu, artsci.advising@uc.edu,
dragonfaeriegodess04@yahoo.com, judith_myers@ohionational.com,
punkrock_fairy030303@yahoo.com, feerc@asmail.artsci.uc.edu, staff@naas.org,
financeaid@uc.edu, cpsnotify@cpsemail.ed.gov, adminmar@ucmail.uc.edu


The link is a fraud that appears to be designed by a person associated with an organization backed by Professors don jordan, and joan mccoy.

Personal loan ideal for short term need

Personal loan is a unsecured loan and can be taken for certain purposes such as for renovation of house, to meet medical expenses, foreign travel, marriage expenses, purchasing consumer durables, higher education etc. But personal loan has set of advantages and disadvantages attached to it. The main advantage of a personal loan is the flexibility as it can be used for any purpose. Even the application process is comparatively simple with minimal documentation requirements. As the loan is unsecured thus there is no need for any kind of security or guarantor.

Although it appears to be good but these loans are quite difficult to acquire exclusively as these are unsecured. To get this loan the eligibility criteria depends upon the applicant’s income credit history with regard to any other loans and repayment capacity. The interest rates offered on these loans can vary between 15-25 percent depending on the credit profile, income level, and nature of employment of an applicant. If bank find a higher risk in lending to an applicant it might not sanction the loan or charge a high interest rate together with additional security in the form of a personal guarantee.

The loan amount to be sanctioned generally depends on personal income along with other factors like age, profession, education and repayment capability if any other loans have been taken etc. All these factors are also taken into consideration for setting the interest rates. For instance the interest rate might be lower for a person working with a reputed firm as compared to a self-employed person. The tenure for repayment of loan is normally between 12 and 60 months. Generally these loans are not sanctioned for more than five years.

The EMIs are calculated for the repayment of the loan and if a person wants to do prepayment of loan a penalty is charged. The processing fee might be calculated as a percentage of the loan amount for the documentation and verification formalities. Before signing on dotted lines one must study terms carefully whether there are any additional charges or penalties.

Some banks might set flat rates for personal loans. Apparently the rates might look lower than even the current home loan rates. But in actual the flat rate do not reflects the actual cost of the loan. Indeed the effective rate is much higher. It is included in the EMI and person pays it on a reducing balance basis. For instance a loan of Rs 1 lakh figured out at a flat rate of 12 percent with an EMI of Rs 3,800 for 36 months in fact is worked out to an effective interest rate of 22%.

Approximately the total interest of Rs 36,800 works out to a yearly interest of Rs 12,226 and in the same way the rate of 12 percent is quoted. This will be correct in case a person is paying onetime interest at the end of the tenure of the loan. EMIs are calculated from the first month on the principal outstanding, the interest is normally charged at 22%. Therefore check for flat rates of interest carefully and always choose for reducing balance rates. The right approach would be to take loan when there is dire need to do so. Although personal loans are easy to get but one should not burden him unnecessarily with high interest debt without a convincing reason.

NAAS Applicants Must Attend NAAS-Approved Schools

There is a new policy now in effect for NAAS Award applicants. There is no fee for students who attend schools that have purchased an NAAS Discount License, or that are NAAS-Approved.

Students attending schools or institutions that have purchased an NAAS Discount License may apply without any fees; students attending unaccredited 'NAAS' schools will be charged fees.

This new policy is now in effect due to numerous schools falsely claiming 'NAAS Accrediation' status.

We recommend that all NAAS Award participants use our online form at http://naas.org/
There is no need to to purchase costly U.S. postage stamps, or have your valuable correspondence subject to control by U.S. Postal employees.

For more information about how to purchase an NAAS Discount License, please refer to NAAS Licensing Information page

David Steadman Investigated for Perjury

David Steadman, who is desperately seeking to be associated with the world-famous, prestigious, and internationally known 'NAAS' trademark made famous by the founders of National Academy of American Scholars, is under investigation for perjury.

Mr. Steadman, and his group of fake 'NAAS' affiliates, have been the focus of several NAAS NEWS Media reports concerning their illegal, unauthorized, and inappropriate use of the the 'NAAS' mark.

According to certified records obtained from the U.S. Patent & Trademark Office, David Steadman personally submitted a document to that agency that was signed under penalty of perjury. The statements made by David Steadman contradict federal records, and public facts. Accordingly, legal options include pursuing civil and criminal charges, including a federal charge of perjury.

Mr. Steadman is the apparent President of Northwest Association of Accredited Schools. The organization has underwent several name changes over the years, but has recently settled on the latest (Northwest Association of Accredited Schools) because Mr. Steadman incorrectly believes that this deceitful arrangement of names and words will justify trademark/copyright infringement.

Clearly, Mr. David Steadman is a very desperate man. Who is more desperate: a criminal being chased by the police down a dark alley corridor, or David Steadman trying to out run or out maneuver U.S. Trademark/copyright laws? David Steadman is leaving no stone untouched. The State Education Dept. of Idaho is the biggest collaborator of Steadman. An investigation of the unethical and neo-Nazi backgrounds of certain employees of that agency seem to provide an explanation for the insanely defiant conduct of certain of its partners. Hey Dave: is it too much to ask for you to be a decent American and follow the law??

David Steadman and his group have little or no respect for U.S. federal laws, and appear to have a financial arrangement from Russian operatives. The connection to Russia is disclosed on their website.

For more information about Northwest Association of Accredited Schools, and its relationship to the Idaho Dept. of Education, please review NAAS NEWS Media reports at http://www.naas.org, or http://www.naas-news.info/

Special Invitation (NAAS Discount license)

We are currently offering institutions and online schools claiming to be accredited by Northwest Association of Accredited Schools the opportunity to purchase a renewable NAAS discount license of $50.00.

This fee allows the affected school or institution the ability to display the 'NAAS' mark on their respective website for a period of 12 months.
If the fee is not paid, then such school or institution will continue to be publicly defined subject to NAAS EAS/N2 Rules, including the option of labeling said institution as a Criminal Institution; its employees may be subject to additional public charges.

Moreover, any student attending such an illegal or unlicensed school that applies for an NAAS Award may not be viewed favorably by members of the NAAS Select Committee.

Rather than attempting to cheat the process, or continue to be publicly battered with allegations of U.S. Copyright/Trademark violations, we urge affiliates of Northwest Association of Accredited Schools to act ethically, and responsibly by purchasing an NAAS Discount license.

NAAS License (for companies and persons of good repute)

Is your school or intitution being run by a Bernie Madoff type character? Are you trusting your legal matters (Copyright/trademarks) to copy-cat persons? All persons or companies of good repute are urged to seek an official NAAS License.

We urge all persons and companies that believe themselves to be persons or companies of good repute, upstanding honor and integrity, to apply for and purchase an NAAS License; alternatively, the purchaser of an NAAS license need not be an active licensee, but may be a passive licensee, which means the company or person is not obligated to even display the NAAS mark on their respective website, or use the 'NAAS' mark on their company literature.

Assuming you have not yet been formally served with a civil suit, or a criminal complaint, this offer extends to all persons and companies currently depicted in any NAAS-NEWS report, or any person/company currently displaying the NAAS mark without valid authorization in violation of current U.S. Trademark/Copyright laws.

The application, approval, and purchase of an NAAS License may validate the good standing, and ethics of that person and/or company. Such facts will certainly be taken into account and reflected in our reporting, NAAS NEWS Videos, etc.

Payment of EMIs taking up most of the salary of metro cities employees

In a recent survey conducted by Assocham it was found in metro cities most of the take-home salary of an average employee is consumed in repayment of car, housing and personal loans and is left with just about 40 per cent of his earnings.

According to the report of the survey of 5,000 employees, "Take-home salary of average employee in metros and large townships has gone down to 40 per cent from 70 per cent around 1999".

The employees from the sectors of IT, Automobile, Hospitality, Civil Aviation, Manufacturing, Gems and Jeweler are feeling the maximum pinch of EMIs from the

Assocham Secretary General D.S. Rawat pointed out, "In an average salary structure of Rs 25,000 per month, the take-home part is not more than Rs 10,000 as average employee shells out over Rs 6,000 on housing loan, Rs 5,000 loan on auto, Rs 1,500 on luxuries item".

He added each month share of insurance premium amounts to be over Rs 2,500 and said over 30 per cent of employees pay out about Rs 5,000 in repaying the office loan advance taken for various reasons like construction, education and marriage.

About half of them informed at present their take-home salary is not more than 40 per cent of their total package so they are left-over with 10,000 which is spent on food, commuting costs, utilities, doctor and education bills.

According to the survey report middle class has suffered the most. It added, "Panic and depression have gripped home-loan borrowers among them particularly".

Resident Gary G. Wakefield contacts NAAS

Per a previous post, this blogger reported that NAAS officials were receiving unsolicited correspondence from a Gary G. Wakefield, 1850 Isaac, St, in Pahrump, NV. Mr Wakefield claimed he was a person receiving unsolicited correspondence from a person(s) that were using the NAAS mail box number as a return address. although we appreciate the concerns and claims of this consumer, we find the actions of this person rather suspicious. For example, an NAAD DEIA Agent uncovered evidence that an official or representative of the Northwest Association of Accredited Schools made electronic inquiries to the consumer affairs of the United States Postal Service before this post became public.

Furthermore, NAAS officials investigated the claims of Gary G. Wakefield and quickly determined the following:
1. The claims of Gary G. Wakefield are false;
2. The claims of Gary G. Wakefield have no merit;
3. The claims of Gary G. Wakefield have no logical sense, and defy common sense;
4. The claims of Gary G. Wakefield are most likely related to Northwest Association of Accredited Schools, and local persons associated with that entity.
5. The claims of Gary G. Wakefield are most likely related to one or more persons mentioned in an existing NAAS NEWS Media Report(s).

It is unclear, but possible, that Gary G. Wakefield and others may have ties to Northwest Association of Accredited Schools, or other persons mentioned in NAAS NEWS Media reports.

NAAS DEIA Agents have secured electronic and other evidence that ties an official of Northwest Association of Accredited Schools, with activity that is designed to undermine the prestige and character of National Academy of American Scholars (NAAS).

If Mr. Wakefield is reading this notice he should know that it is against NAAS EAS/N2 Rules to send unsolicted correspondence to an NAAS official, and insofar as claims that an NAAS opertaor is sending to him or other persons unsolicited correspondence, that claim is baseless, unsubstantiated, and makes no logical sense. Perhaps Mr. Wakefield should review his call log and check for calls from persons or entities named or mentioned in NAAS Media reports.

Please note: All communication to an NAAS mail boxi is subject to NAAS EAS/N2 Rules. If such communication is either unsolicited, or unrequested, or that comes from a non-NAAS Subscriber, or fails to adhere to proper NAAS protocol, it is also a matter of public record, and may therefore be posted in a public forum.

NAAS Maintenance Issue

We are currently undergoing site maintenance bewtween 1600hours and 1800 hours. The NAAS.ORG website may be offline for a couple of hours. Please view http://naas-news.info/ for important information until the maintenance is completed.

NAAS Letter of Protest to USPTO

Many consumers are potential trademark thieves, may be wondering what is the legal status of the fraudulent-appearing trademark application submitted by Northwest Association of Accredited Schools, and Idaho Dept. of Education (an alter ego of Northwest Association of Accredited Schools)

An official Letter of Protest was sent to United States Patent and Trademark Office via U.S. certified mail detailing the legal case authority why the United Patent and Trademark Office has no alternative but to reject the deceptive, deceitful, and bogus trademark application submitted by Dave Steadman, and his Northwest Association of Accredited Schools.

NAAS NEWS will also be producing a Video Protest against the Trademark application submitted by Northwest Association of Accredited Schools.

The Idaho Dept. of Education has apparently teamed up with a band of criminals. This state agency encourages inferior educational standards for Idaho residents, and is implicitly encouraging Idaho students that it is 'OK' to steal, decieve consumers, and engage in the crime of Trademark Infringement.

It should not be surprising that many consumers believe that National Academy of American Scholars has superior integrity and higher moral standards than the Idaho Dept of Education, and each of the other state education departments that provide funding, free advertising, endorsements, and credibility to Northwest Association of Accredited Schools. After-all, the facts are overwhelming. National Academy of American Scholars supports laws that prohibit Copyright and Trademark infringement, whereas the Idaho Dept. of Education, and their employees, do not respect such U.S. laws.

What more evidence do you need??

NAAS Attorney Advertising Guide

NAAS frowns upon the practice of online advertising by attorneys, and considers the practice to be immoral. Online advertising by attorneys is a red-flag for attorney corruption, and dishonesty. In fact, the greater the online advertising presence then the greater the probabilty the attorney or law firm will be dishonest, and unethical. NAAS DEIA agents have collected information that suggests that attorneys who advertise online are most likely less ethical than their counterparts who do not.

The profession of online attorneys is not much different than used-car salesmen, and the profession of trademark attorneys that adverise online is comparable to the automobile repair industry. As a consumer, client, or potential client, you will face deceit, dishonesty, or incorrect legal advice. for example, consider attorneys or law firms that have purchased an advertising link or sponsored ad on any search engine, including Google, Yahoo, YouTube, or MSN, for the purposes of soliciting business for attorney services. The solicitations range from soliciting business for a trademark application, settling a trademark dispute, or soliting income in exchange for the filing of any document(s) with the U.S. Trademark Office, then your firm may be subject to an NAAS Attorney Review Media report.

NAAS has published a new NAAS media report as part of a collection of NAAS Media reports that relate to a wider media campaign. National Academy of American Scholars (NAAS), its attorneys, investigators, NAAS DEIA agents, are mounting an aggressive multi-media campaign to investigate and prosecute groups and persons who claim or imply affiliation, approval by, and/or accreditation by National Academy of American Scholars (NAAS). The new NAAS media report is aimed at corrupt attorneys, who mistakenly believe, that their professional status is immune from federal laws, and immune from NAAS Media Reports.

If you are an attorney, or employed at a law firm, and you represent a client who is perceived to be violating the intellectual property rights of National Academy of American Scholars, or who is in violation of NAAS EAS/N2 Rules, or you represent a client has chosen to engage National Academy of American Scholars (NAAS) then please be advised that your firm, and each of its employees, process servers, etc., will be subject to NAAS EAS/N2 Rules.

We encourage our readers to read our new report, and report attorney violations to this Publisher. All attorneys who write or communicate to NAAS or any agents, assignees, or affiliates related thereto, and who represent clients other than NAAS, or its agents or affilites, may be subject to an NAAS Attorney Review report.

There is no legal paperwork or document that a U.S. attorney can prepare that will infringe upon or impede the rights guaranteed under the U.S. Constitution. Attorneys that voluntarily choose to engage the sponsor of National Academy of American Scholars, or NAAS products and services, do so knowing that the rules of engagement are NAAS EAS/N2 Rules.

The NAAS.ORG website is based upon and entirely operated pursuant to published NAAS EAS/N2 Rules. We do not operate based upon some imaginary or hastily created rule, procedure, or demand authored by some U.S. attorney that is designed to benefit his/her client(s), or competitors to NAAS products, and services; such demands constitute moral turpitude and may be reported to the prosecuting State Bar.

NAAS Policy Preference is No U.S. Mail

National Academy of American Scholars (NAAS) is the source for America's appetite for pure, merit-based awards. We are featured in many publications, literarure, periodicals, and other sources.

We receive a tremendous amount of interest for NAAS products and services. The NAAS.ORG website is equipped to facilitate and handle e-commerce requests and dispense orders 24 hours per day unless notified otherwise per NAAS EAS/N2 Rules.

However, demands or communications for NAAS products and services via the U.S. mail may strain our resources. Consequently, we wish to re-emphasize that we prefer online orders. We incorporate a U.S. mailing address on our website for information purposes. Only NAAS Subscribers may submit certified or special delivery documents to NAAS.

Even if an NAAS DEIA Agent accepts or signs for a certified package sent via U.S. Certified mail, that act is not meant to be construed as an obligation to open, assess, review, and act upon any request or inquiry that may be contained therein; such corrpondences may never be opened or read if not accompanied by a special NAAS Code that can only be obtained by completing an online NAAS form, or by being an NAAS Subscriber.

NAAS Launches National Trademark Fraud Campaign

National Academy of American Scholars (NAAS), its attorneys, investigators, NAAS DEIA agents, are mounting an aggressive world-wide multi-media campaign to investigate and prosecute groups and persons who claim or imply affiliation, approval by, and/or accreditation by National Academy of American Scholars (NAAS). We are investigating the fraudulent misuse of the world famous 'NAAS' mark, counterfeiting of the famed 'NAAS' logo, and global piracy of 'NAAS' intellectual property.

We are investigating attorneys who aid, assist, abet, or provide material support to criminals in furtherance of violating U.S. federal laws, and who accept monies from blatant trademark infringers.

NAAS has teamed up with the global anti-piracy STOP initiative developed by the U.S. Patent & Trademark office, and other agencies that combat intellectual property theft.

We are pursuing the criminal prosecution of trademark infringers, the manufacturers of fake 'NAAS' logos, the manufacturers of counterfeit 'NAAS' t-shirts, companies and organizations that illegally use the 'NAAS' mark on their websites, and their co-conspirators.

Non-profit organizations, donors, web hosting companies, universities, data repository companies, and advertisers that sponsor, fund, or provide material support to offensive trademark infringers are also targets of scrutiny, and possible litigation.

The choice is simple: If you do not have an official NAAS License, cease and desist your use of the 'NAAS' mark or remove ALL references of the mark from your literature and website.

We intend to track down, locate, identify, and prosecute each and every person(s), group(s), and agencies who violate U.S. federal laws with regard to matters concerning NAAS. There is no person or agency that will be spared scrutiny if they are perceived as violating the intellectual property rights of National Academy of American Scholars (NAAS).

The known principal organizations and persons currently under both criminal and civil investigation with respect to matters concerning this topic are:


a.
David G. Steadman, President
Northwest Association of Accredited Schools
1510 Robert St., Suite 103
Boise, ID 83705-5194
URL: http://www.northwestaccreditation.org/; and, throughout their website.
#Northwest Association of Accredited Schools, encourages their respective State commitees, sub-groups, and alleged ‘NAAS’ accredited schools to engage in the same conduct that itself is under investigation for;


b.
Joan Messer
American Junior Academy of Sciences
900 S. Court
Ellisville, MS 39467
URL: http://www.amjas.org/index.php
URL: http://www.amjas.org/about.php
URL: http://www.amjas.org/
#Joan Messer is a professor at Jones County Junior College. The American Junior Academy of Sciences is suspected of a wide variety of offenses, including trademark infringement, and defrauding donors by improperly inducing the same with fraudulent references to 'NAAS'.


b.
Dr. Don Jordan
College of Arts & Sciences,
University of South Carolina
323 Sumwalt
Columbia, SC 29208
URL: http://www.cas.sc.edu/cse/jordan/
#Don Jordan is a professor at the University of South Carolina. He illegally and fraudulently implies that his organization is approved by and/or endorsed by NAAS. His colleagues have dropped use of the 'NAAS' mark, but he has thus far failed to respect U.S. Trademark laws.

c.
Attn: Dr. James J. McCarthy
The American Association for the Advancement of Science
1200 New York Avenue NW
Washington, DC 20005
URL: http://www.aaas.org/programs/education/naas.shtml
#This organization is staffed by persons who are employees of universities and colleges that are also members of National Association of Student Financial-Aid Administrators (NASFAA); the members of this organization has an extensive history of student-loan fraud, and crimes related to financial-aid.

d.
Attn: Gary Kipp, Executive Director
Association of Washington School Principals
1021 8th Ave. S.E.,
Olympia, WA 98501-1500
This group is associated with Northwest Association of Accredited Schools. Collectively, they encourage their respective State commitees, sub-groups, employees, and illegally-named ‘NAAS’ accredited schools to engage in the same conduct that itself is under investigation for.


Many of the these persons and organizations have direct ties to National Association of Financial-Aid Administrators (NASFAA) or its counterpart National Association for College Admission Counseling (NACAC). NAAS Media Reports detail that these organization are typically a base or breeding ground for financial-aid criminals, student-loan fraudsters, and loan-steering. Both of these organizations have been repeated subjects of past NAAS NEWS Media reports.

As of the date of this posting, the groups named above appear to be the most blatant, offensive, deceitiful, and persistent violators and infringers of the 'NAAS' mark. None of there persons have been qualified or authorized to use the world-famous 'NAAS' mark in commerce. Their use of the 'NAAS' mark is illegal.

NAAS QUOTE:
Honest and ethical persons need merely to be reminded of the need to follow the law, and they will comply; whereas, criminals need to be handcuffed, publicly embarrassed, and/or ordered by a court of law to comply with the same instructions

Banks depositing more funds in MFs due to lower loan off take

Although banks are reducing the interest rates on loans but the loan demand has to yet to pick up. Therefore banks are investing their surplus funds in mutual funds (MFs).

With loan demand yet to pick up, banks are parking a chunk of their surplus funds with mutual funds (MF). For the first fortnight of the current fiscal (FY10), banks have invested over Rs 40,000 crore in MF schemes thus the amount is over and above the Rs 80,000 crore they have invested into government bonds.

As per the latest figures given out by the Reserve Bank of (RBI), between March and April 10 commercial banks have collectively invested Rs 40,423 crore in various MF schemes, stimulating their total exposure to MFs to Rs 85,557 crore. The combined investment in government paper and other approved securities stands out to be Rs 82,074 crore. In comparison to this banks have lent only Rs 1429 crore in the fortnight.

Arvind Chari, fixed income portfolio manager of Quantum Mutual informed, “Banks cannot keep all their money in RBI’s daily money market operations since returns here are less than their cost of funds”. Banks make 3.25% through RBI’s liquidity window. He added, “Liquid funds that are fetching returns of 5-5.5% and short-term income plans delivering about 6% are a good alternative”.

Banks are compulsorily required to invest 24% of the deposits they raise in a fortnight in government and other qualified bonds. These investments are known as statutory liquidity ratio (SLR) investments. By April 10, banks had invested 7% extra (31% of deposits) in government bonds.

Of the non-compulsory investments, mutual funds appear to be the apparent choice for most banks.

Ashok Khajuria, head of treasury at IDBI Bank pointed out, “A bank may not have headroom to buy debt of another bank because of RBI regulations”. He added, “Mutual funds offer an easy and reasonably safe way to invest in such debt”. He explained that the rating agencies keep check on the MF investments which gives further comfort.

Majority of the banks have an internal policy for investing in MFs that place down in which fund houses the bank can invest and how much.

Bankers are of view that most of the investments are going into liquid schemes as these offers an instant exit with no penalty. Liquid funds make their profits by investing in treasury bills and bank CDs, in addition to lending in the CBLO market.

In October the interest rates were very high, thus the liquid funds delivered almost 9-10% returns. But, with RBI cutting rates in the past few months, their average annual returns have reduced to almost half of that figure.

Honorable Boise State University

Boise State University drops phony 'NAAS' accrediting agency. With little prodding, Boise State University is to be commended for deleting all references to the misuse of the 'NAAS' mark on its website, and deleting the multiple false claims made by Northwest Association of Accredited Schools. If only the U.S. Attorney of Idaho, and the other agencies and universities that support Northwest, were as honorable, perhaps a series of NAAS media reports would not be necessary.

Since the U.S. Attorney of Idaho apparently is a person who cannot be trusted to enforce federal laws, and who is apparently incapable of protecting the citizens of that state, hundreds of Idaho citizens and thousands more have called upon National Academy of American Scholars (NAAS) to resolve marketplace confusion, investigate 'NAAS' accreditation scams, and to enforce the perception that U.S. federal laws actually mean something.

Many Idaho residents believe that the Idaho Dept. of Education is nothing more than a corrupt rubber-stamp alter-ego of Northwest Association of Accredited Schools. It is unclear to many Idaho residents whether or not Northwest Association of Accredited Schools is a branch of Idaho government. Judging from the commingling of assets and use of the Idaho government page, it is believed that the Idaho Dept. of Education is run by the same suspicious gang that is employed by Northwest Assocation of Accredited Schools. It is this incestuous relationship that the U.S. Attorney of Idaho may be trying to conceal and protect. Northwest Association of Accredited Schools is NOT a branch of any government.

An argument can be made that Northwest Association of Accredited Schools is engaging in illegal conduct, and is deliberately attempting to confuse consumers about the origin of its phony 'NAAS' products and services.