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Regulators forbid Encino contractors from offering PACE loans

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Regulators forbid Encino contractors from offering PACE loans

The California Department of Business Supervision has banned the Encino contractor from offering a PACE home improvement loan, accusing the company of falsely signing the homeowner for financing which if not paid could lead to foreclosure.

The action against Eco Technology Inc., which through its lawyers denied the allegations, marked the first step the department has taken since the 2017 law provides oversight of PACE, a unique type of financing that funds repairs to energy-efficient homes and water. .

The Energy Assessed Property, or PACE program, is formed by government authorities, and most have partnered with private lenders to offer loans that are repaid through homeowner’s property tax bills.

Private lenders, in turn, rely on home improvement contractors to market loans and register people. Some homeowners accused the contractor of misleading them to take out loans they did not understand or could not afford.

In a termination and termination order issued Wednesday, the Department of Business Supervision accuses Green Technology workers of falsely telling homeowners that they are applying for a “free government program” and do not have to pay for repairs to their homes.

To settle the loan, the department accused Eco Technology of falsifying signatures from homeowners on electronic loan documents and homeowners who were emulated in a call with a PACE lender.

The order said that in at least one case, it appeared that “fraudulent IRS 1099 Forms were submitted in a financing package to increase the homeowner’s income level to meet the ‘ability to pay’ requirements.”

The ability to pay terms, together with phone calls mandated by lenders, are both part of the 2017 state legislation package that seeks to ensure homeowners understand what they are facing and can afford it.

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In addition to accusations of counterfeiting, the department said Eco Technology “sells products offered at inflated prices – three to five times the usual industry level – and uses high-pressure tactics to prey on most older homeowners and those who do not speak English. their main. “

Lawyers representing Eco Technology said the company denied all allegations, including that they falsified documents or the owner of the house that was being copied.

Nick Brunner of the law firm Plumtree and Associates called the department’s investigation “short” and said PACE lenders assume responsibility for ensuring homeowners understand financing.

Maria Plumtree, from Plumtree and Associates, said the price for home repairs was also determined by lenders and Eco Technology had stopped offering PACE before the order, because homeowners complained after they realized they had to pay interest – something Plumtree said Eco Technology was not aware of.

The order did not mention PACE lenders and The Times could not immediately confirm their identity.

In the past, major lenders said most consumers had positive experiences with PACE and that they had instituted reforms and taken action against contractors who were proven to misrepresent financing.

Mark Leyes, a spokesperson for the Business Supervision Department, said that although Eco Technology is no longer working with PACE lenders, the department is taking action to stop companies from working with PACE lenders in the future.

Citing contractor supervision difficulties as justification, Los Angeles County recently ended its PACE program. Even so, homeowners in this area can still access PACE funding through statewide programs if their city allows it.

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Hermann’s Tortoise Lifespan: How to Ensure a Long, Healthy Life

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Ensuring a long and healthy life for your Hermann’s Tortoise requires a combination of proper care, nutrition, and habitat management. Hermann’s Tortoises, known for their charming personalities and distinctive shells, can live for several decades with the right conditions. Understanding their needs and providing a suitable environment is key to helping them thrive. Here’s how you can support your Hermann’s Tortoise in living a long, happy life.

Creating an Optimal Habitat

One of the most critical factors in promoting the longevity of your Hermann’s Tortoise is the creation of a suitable habitat. Providing an environment that mimics their natural surroundings is essential for their overall health. An appropriate habitat helps prevent stress and supports their well-being. For detailed guidance on setting up an ideal habitat, including specific requirements for outdoor enclosures, visit this comprehensive guide on Habitat for Hermann’s Tortoise.

  1. Outdoor Enclosure: Hermann’s Tortoises thrive in outdoor enclosures that provide ample space to roam, bask, and forage. An outdoor setup should include a secure, predator-proof area with access to natural sunlight. Incorporate areas for basking and shade to allow the tortoise to regulate its body temperature. Additionally, include plants, rocks, and hiding spots to simulate their natural habitat and encourage natural behaviors.
  2. Indoor Habitat: If an outdoor enclosure is not feasible, an indoor habitat can also support a long lifespan if set up correctly. Use a large, well-ventilated enclosure with appropriate heating and UVB lighting. Provide a substrate that allows for burrowing and offer various hiding spots and enrichment items.

Diet and Nutrition

A balanced diet is vital for maintaining the health and longevity of your Hermann’s Tortoise. They are primarily herbivores, and their diet should reflect their natural feeding habits.

  1. Leafy Greens: Offer a variety of leafy greens such as kale, collard greens, and dandelion greens. These vegetables provide essential vitamins and minerals that support overall health.
  2. Vegetables and Fruits: Supplement their diet with other vegetables like carrots, squash, and bell peppers. Fruits should be given in moderation due to their high sugar content.
  3. Calcium and Supplements: Provide a calcium supplement to support shell and bone health. A cuttlebone or powdered calcium can be added to their food. Ensure that they also have access to fresh, clean water at all times.
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Regular Health Checks

Routine health checks are essential for early detection of potential health issues. Regular veterinary visits help ensure your tortoise remains in optimal condition and addresses any health concerns promptly.

  1. Observation: Monitor your tortoise’s behavior and physical condition regularly. Changes in appetite, weight, or activity level can indicate health problems.
  2. Preventative Care: Schedule annual check-ups with a veterinarian experienced in reptile care. Regular exams help catch any issues early and keep vaccinations and other preventative treatments up to date.

Environmental Enrichment

Providing environmental enrichment helps keep your Hermann’s Tortoise mentally stimulated and active. Enrichment can reduce stress and prevent boredom, contributing to a better quality of life.

  1. Foraging Opportunities: Hide food items around the enclosure to encourage natural foraging behavior. This not only provides mental stimulation but also mimics their natural hunting practices.
  2. Variety: Change the layout of their enclosure periodically and introduce new objects or plants to keep their environment interesting and engaging.

Conclusion

By focusing on creating the right habitat, providing a balanced diet, ensuring regular health checks, and offering environmental enrichment, you can significantly enhance the lifespan and well-being of your Hermann’s Tortoise. For further details on creating an ideal habitat, including tips for designing an outdoor enclosure, refer to this helpful guide on Habitat for Hermann’s Tortoise. Implementing these practices will help ensure that your tortoise enjoys a long, healthy life.

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Portuguese historical films will premiere on 29 December.

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Portuguese historical films will premiere on 29 December.

Method Media Bermuda will present the documentary FABRIC: Portuguese History in Bermuda on Thursday, December 29 at the Underwater Research Institute of Bermuda.

A spokesperson said: “Method Media is proud to bring Bermuda Fabric: Portugal History to Bermuda for its 5th and 6th showing at the Bermuda Underwater Observatory. In November and December 2019, Cloth: A Portuguese Story in Bermuda had four sold-out screenings. Now that Bermuda has reopened after the pandemic, it’s time to bring the film back for at least two screenings.

“There are tickets Ptix.bm For $ 20 – sessions at 15:30 and 18:00. Both screenings will be followed by a short Q&A session.

Director and producer Milton Raboso says, “FABRIC is a definitive account of the Portuguese community in Bermuda and its 151 years of history, but it also places Bermuda, Acors and Portugal in the world history and the events that have fueled those 151 years.

“It took more than 10 years to implement FABRIC. The film was supported by the Minister of Culture, the Government of the Azores and private donors.

Bermuda Media Method [MMB] Created in 2011 by producer Milton Raposo. MMB has created content for a wide range of clients: Bermuda’s new hospital renovation, reinsurance, travel campaigns, international sports and more. MMB pays special attention to artistic, cultural and historical content.

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CRISTANO RONALDO CAN MAKE UP A GIANT IN CARIOCA AND PORTUGUESE TECHNICIAN SAYS ‘There will be room’

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CRISTANO RONALDO CAN MAKE UP A GIANT IN CARIOCA AND PORTUGUESE TECHNICIAN SAYS 'There will be room'

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