Your Misery is OUR Gain! - Over inflated Gas Prices mystery solved!!

Forum posts

• 29 October 2005, 04:32

  PIGS at the table.

  • 31 October 2005, 03:18

    "Pigs at the table" indeed! Look at the ugly bastard in the picture. You’d think with all his loot, he’d buy a new head for himself. Seeing my hard earned money go to people like this makes my blood fucking curdle. LOL

  • 31 October 2005, 13:20

    "Seeing my hard earned money go to people like this makes my blood fucking curdle."

    I agree wholeheartedly! How about a heart and a conscience to go along with that new head?

    To our foreign friends: Please don’t lump us all together. I’m ashamed and embarrassed enough because of the nutcase who fraudulently got himself into office. I didn’t vote for the *.*.*.!

  • 13 November 2005, 20:11

    Every American feels the pinch here and it appears that Mr. Raymond is in search of another jelly donut. My blood boils too.

  • 21 December 2006, 23:23

    Amen!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

• 29 October 2005, 09:02

  Americans still think they can go on with their energy scam.

  There own stock market and share holder worshipping companies exploit the market by not allow competition or having silent agreements.

  Don’t you ever learn. Share holder value is no value, you will learn it, especial if a huge crowd tries to cash for their retirement.

  The rest of the world should switch to known technology and let you use all oil and suffocate yourself. Once your coasts are flooded and your harvest bear nothing you still will not know, because you are imprisoned by your own stupid mind and attitude.

• 29 October 2005, 16:42

  Since the oil companies insist on making these obscene profits, the American people should insist on a windfall profits tax. That way the oil companies would be forced to pay for the protection they enjoy from the u.s. military’s adventures in Iraq and the Caspian Sea area.

• 31 October 2005, 21:13

  Someone needs to find out how many Democrats have their money tied up in oil too. And in GE and Martin Marietta, et al. They’re all in it.

  • 13 November 2005, 21:29

    Though I agree with many of the former posts (and yes Mr. Raymond does seem to be quite well fed-that’s quite a chin) the ULTIMATE responsibility for BUYING gas comes down to YOU the consumer.

    I’m not saying it’s EASY to reduce usage and try to move to something cleaner but if you continue to give your hard earned money to these giant blood sucking tics in an unlimited way then what do you expect.

    I have made a concerted effort especially as of late to drive less, leave my truck at home (and take the small Toyota), and start looking into alternatives like Bio-diesel. I plan to be converted over to bio-diesel within a few years.

    There is a bill in Congress right now floating the halls of Congress called "The Industrial Hemp Farming Act of 2005" (Bill #H.R. 3037) that could REVOLUTIONIZE fuel and fiber production here in the U.S.(and other countries that would adopt legal industrial hemp for fuel/fiber) and start a wave of jobs based upon new production and processing machinery and technology. I understand our neighbor to the north Canada is already enjoying commercial hemp production.

    This bill is sponsored here by the fighter for freedom R. Ron Paul (Texas) and seven other freedom loving entrepreneurial Democrats who clearly see industrial hemps fantastic economic benefits not just for farmers but all Americans as it could produce a fuel to be BLENDED with petro fuels allowing them to burn cleaner while immensly stretching the oil supply.

    Please check out Bill #H.R.3037 if you want to investigate alternatives to "Pig Oil".

• 25 July 2007, 02:12

  INCREASING COST OF ENERGY and INFLATED FRAUDULENT BILLING

  It is not enough that consumers are paying higher cost for energy – Gas, Electric, Tel., Etc.
  Due to the market volatility and the increase demand for energy worldwide and the manipulation of market conditions by various corporation.
  Deregulation, which was designed to save the consumer on the cost of energy. Many new companies have started selling gas and electric in the past 20 years, as a result of this deregulation. We now have numerous deregulated third party suppliers of Gas and Electric that are gouging the consumers – billing prices higher than the regulated utility companies, inflating the bill, billing for product never delivered, billing phantom tax on the product, reneging on fixed price contract – when market prices go beyond the fixed contract. In short any way they can cheat, deceive and defraud the consumer is fair game.
  Among the companies that practice such tactics is MULTIUT CORP or Multiut LLC of Skokie, Illinois the owner of the company is well connected, one of the previous owners was a federal judge and therefore has gotten away with numerous over billing and deceptive practices, there are numerous lawsuits for fraud pending against Multiut Corp and its owner among them a Class Action Suit and Dynegy Mkg & Trade v. Multiut Corp, Nachshon Draiman et al 1:02-cv-07446 The Federal Court has imposed numerous contempt orders against Multiut and its owner and its owner is involved in numerous other fraud in the Nursing Home business (defrauding the state Nursing License with false documents to obtain a Nursing Home License) and a hotel project where he committed a fraud of $45 million dollars and numerous other fraud and deception too numerous to mention. (Especially since Multiut is represented by Jack Abramoff Law Firm – which has clout).
  Another Company is Santana Energy out of Texas. Some utility companies were forced to refund the consumers hundreds of million of dollars due to manipulation of pricing and billing – many of those shenanigans stem from the Enron debacle some precede it and continue on to date.
  Many of these suppliers of Gas and Electric who are promoting saving are actually charging higher prices than the local utility company which defeats the intent of deregulation – Multiut’s billing shows 20% to 30% higher cost and billing for gas that was never delivered. Not to mention Multiut’s inflated billing for lighting retrofit to various Nursing Homes which inflates the Medicaid billing to the government.
  Corporate CEO and other higher ups in the corporate world have been convicted of fraud and sentenced/fined (WorldCom, Enron, Adelphia, Etc.). But it seems that some companies can continue to defraud the public without being hindered by the authorities.
  Other frauds by Gas Electric suppliers are: Centerpoint Energy Inc.,
  Pending lawsuits are: AG files fraud suit against Sempra affiliate alleging Enron-like games,
  This article is presented by Citizen for Honest and Fair Billing

  PS
  THREE FORMER NICOR ENERGY EXECUTIVES AND OUTSIDE
  LAWYER INDICTED IN ALLEGED CORPORATE FRAUD SCHEME

  CHICAGO — Three former executives of Nicor Energy L.L.C. and an outside lawyer for the Lisle, Ill.-based company were indicted today for allegedly engaging in a corporate fraud scheme to obtain $400,000 in bonuses and other benefits for themselves by inflating revenues - at times by as much as $6 million - and understating expenses to make the company appear more profitable than it actually was in 2001. The defendants allegedly fraudulently deprived Nicor Energy - a retail energy marketing company established in 1997 as a 50/50 joint venture by Nicor Inc. and Dynegy Inc. - of their honest services and caused a loss to investors in publicly-traded Nicor, Inc. and Dynegy. On July 18, 2002, Nicor Inc. issued a press release announcing that its financial results for the second quarter and first half of 2002 were negatively affected by several factors, including irregularities in accounting at Nicor Energy, and the following day, the stock price of Nicor Inc. fell approximately 40 percent. Nicor Energy is currently in the process of final liquidation.

  The five-count indictment returned by a federal grand jury charges Kevin Stoffer, formerly Nicor Energy’s President and Chief Executive Officer; Andrew Johnson, former Director of Financial Services; John Fringer, former Vice President of Major Markets and Power Services; and outside counsel Michael Munson, announced Patrick J. Fitzgerald, United States Attorney for the Northern District of Illinois
  MADIGAN, DALEY, CUB ANNOUNCE REFUND CREDITS TO APPEAR ON NEXT GAS BILL FOR CUSTOMERS OF PEOPLES GAS AND NORTH SHORE GAS
  Chicago — Attorney General Lisa Madigan, City of Chicago Mayor Richard M. Daley and Citizens Utility Board (CUB) Executive Director David Kolata today announced that as a result of their settlement agreement with Peoples Energy more than one million current customers of Peoples Gas and North Shore Gas will see refund credits on their next gas bills.
  To compensate for over billing consumers between 2000 and 2004, Peoples Energy has agreed to provide a refund credit to each of the 1,014,071 current customers of Peoples Gas and North Shore Gas. The credits – totaling $100 million – will be included on the first bill received by customers after April 24.
  “These refund credits cannot change the conduct of Peoples Energy, but they will help consumers who suffered as a result,” Madigan said. “This is an appropriate response to Peoples’ conduct.”
  “We are pleased that consumers are finally receiving the refunds that they deserve,” said City of Chicago Corporation Counsel Mara Georges. “Consumers should not have to pay for bad planning and business decisions by Peoples Gas.”

  • 15 August 2007, 06:22

    Malicious, false, meritless, and contrived. These baseless accusations are the fabrications of a disgruntled former employee, Yehuda "Jay" Draiman, a convicted felon who has been found guilty of charges leading to millions of dollars in judgments by the Illinois and federal court system.
    Left with no legal or rational alternative, "Jay" has resorted to conjuring up false stories and contrived meritless accusations on the internet and public forums, to attempt to smear his former employer.
    These facts can be verified by court records available from a Google search for "Multiut v. Yehuda".

    Yehuda Jay Draiman is a former employee who was terminated in 2001 from Multiut Corporation when he was discovered diverting clients and funds of the company. He was subsequently found guilty of breaches of fiduciary duty, consumer fraud and deceptive trade practices and conspiracy, and a judgment in excess of $1.5 million was entered against him, in addition to several findings of contempt, by the Cook County Circuit Court & upheld by the Appellate court (ruling 1-03-0857).

    http://www.state.il.us/court/Opinions/AppellateCourt/2005/1stDistrict/July/Html/1030857.htm

    Federal courts have also entered subsequent judgments against Yehuda and his wife Miriam for committing false bankruptcy filings in yet another attempt to defame his former employer. Federal courts declared the judgments to be non-dischargeable due to the fraud involved by Yehuda Draiman, for abusing the court system in a manner similar to the way he now attempts to abuse the internet. These facts can be verified by federal court records available from a Google search for "Doyle Draiman".

    http://www.ilnb.uscourts.gov/JudgeDoyle/Opinions/Draiman_Yehuda.pdf

    Public documents verify that ’Jay’ was also convicted of 10 counts of wire and mail fraud during the 1980’s. Nachshon, Yehuda’s brother, originally provided Yehuda with a job in the Multiut company subsequent to general assistance he provided to help Yehuda and his family following Yehuda‘s first stint of a four year sentence to the federal penitentiary for that conviction in the 80’s. See United States v. Draiman, 784 F.2d 248 (7th Cir. 1986)

    http://caselaw.lp.findlaw.com/data2/circs/7th/023922p.pdf

    Yehuda Draiman was also the subject of a special investigation conducted by the Illinois Legislative Investigating Commission for the Illinois General Assembly (see:4/22/75 Illinois Nursing Homes: A Report to the Illinois General Assembly). “Jay” was barred from serving in the nursing home field after he defrauded a resident under his care of more than $40,000. The report cites testimony from a resident stating that Yehuda offered to return her money if she took a ride with him to his “bank”, and instead left her stranded in a deserted cornfield in the dead of winter in 8 degree weather. Only by luck was she spotted by a passerby who reported the incident to the McHenry County Sheriff’s Department. When the sheriff’s office interviewed Yehuda, he claimed “when they got out into the country she asked to be let out. He let her out and drove back to Chicago…and found her purse in the back seat.” In these instances, as well as the recent litigation, Yehuda Jay Draiman’s tactic has been to invent illegalities to accuse his victims of, in order to shift the focus of attention away from him.
    http://multiut.com/responses_to_YJD /IL_Assembly_Report_04_75.pdf

    The current posting is just another example of Yehuda Jay Draiman’s tactics.For more information about the above, see, www.Illinoisantidefamation.com or www.IllinoisAntiDefamation.com or www.multiut.com or www.futurellc.com

  • 4 September 2007, 14:44

    Energy Billing Fraud Charges vs Multiut owned by Nachshon Draiman
    Admitted to holding money belonging to customers

    In a Class Action proceeding initiated in November 2001 - The case after numerous delays by Multiut, is now proceeding.
    Gore vs Multiut - IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS Case No. 01 CH 19688
    Posted on August 29th, 2007:
    IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS
    COUNTY DEPARTMENT - CHANCERY DIVISION
    FILED
    JACK GORE on behalf of himself and all ) NOV 28, 2002
    other persons or entitles similarly situated, |
    •
    vs. No. 01 CH 19688
    DOROTHY 8ROWN CLERK OF CIRCUIT COURT
    MULTIUT CORP, an Illinois corporation, Judge Stephen A, Schiller
    Defendant ) Courtroom 2402
    RESPONSE TO §2-619.1 MOTION TO DISMISS J/
    Plaintiff JACK GORE (“Gore”). by his attorneys LARRY D DRURY LTD., hereby responds to the Motion to Dismiss 2nd Amended Complaint, pursuant to 735 ILCS 5/2-615 and 619, brought as a combined 2-619.1 motion by defendant MULTIUT CORP. (“Multiut”).
    Introduction
    Multiut is trying to time-bar this case by transforming express a written agency-service contract drafted by Multiut into a contract for sale of goods, and by disputing Gore’s allegations as to concealment and discovery of the wrong – but without submitting any Rule 191 affidavit or documentation. This is a class action arising out
    of a written contract drafted by Multiut, attached here and to the 2nd Amended Complaint as Exhibit A and B collectively referred to herein as the "contract" or "agreement “ unless otherwise indicated by context): (1)
    (A) A service contract to act as Gore’s "purchasing representatives" in obtaining natural gas from “off system" suppliers. This contract, entered into on or about December 1990, was titled “Agreement," Exh. A 1, 3-6, 10. And,
    B A series of supplemental agency contracts to act as Gore’s agent, in so doing with respect to various Properties. These were entered into contemporaneously with the service contract and thereafter, and titled "Natural Gas Purchasing and Agency Agreement.” Exh.-B. (2)
    (1) Similarly Multiut refers to them collectively as “the agreement” in its brief (Mem. p. 2, fn. 1). Although the documents are on separately filed pages, they are mutually inclusive and one could not be entered into without the other; e.g. the service contract refers to and incorporates the agency contracts, wherein Multiut refers to itself as Gore’s ’exclusive natural gas purchasing agent’. See Exh. A, third introductory paragraph and 16-17; Exh. B 1,
    (2) Exh. 8 one of the series, is dated 1998, Exh. C is Gore’s §2-806 affidavit as to the others. Gore has stated he does not have a copy of each, they are inaccessible to him i.e. no longer in his possession, whether missplaced or otherwise, and cannot be located or returned. 2nd Amd.. Compl. 4; Exh, C, in the 1st Amd. Complaint, Count 4 for breach of oral contract was voluntarily dismissed without prejudice after Gore’s deposition of May 8,- 2002, when the service contract and the 1998 agency contract were produced by Multiut and adequately established, Exhs, A-B are the same Exhs. 1-2 attached to the Gore transcript, excerpts of which are attached herein as Exh. D, Similarly the missing agency agreements are likely in Multiut’s possession and will be produced in discovery.
    The contract was drafted by Multiut, it unequivocally defines Multiut’s role in the transactions, and shows that this case is not governed by the UCC. What is at issue here is not the "good" that Multiut obtained for Gore, but the service Multiut provided as his purchasing agent. Gore is suing upon the service and agency contract – not the natural gas - and has alleged that Multiut breached its duties in two respects;
    1 By falsely and intentionally charging and retaining for its own use funds that were to be applied to a City of Chicago 8% gross receipts tax (“Tax”), which it had promised would be placed in escrow and forwarded to the City. Between December 1990 and January 1995 (after the City of Chicago changed the Tax), Multiut collected approximately $14,000 from Gore and at least $1 million to $1.5 million from the Class, for this Tax that was not actually imposed upon Multiut. 2nd Amd. Compl. 7-9, ’3! Multiut not only failed to inform Plaintiff and
    the Class that the money collected was not so applied or escrowed, but also failed to escrow, account for, and refund the funds with interest.
    (2) By overcharging for the service of providing natural gas. Multiut was to charge for natural gas actually supplied to Gore and the Class on a set per therm cost basis, plus an amount equal to 1/2 of their respective per therm cost savings per month, instead, Multiut overcharged and billed Gore at least $100.000 and the class millions of dollars and refuses to provide an accounting and refund with interest. Id. 10-11.
    Gore has further alleged that Multiut prevented him from discovering the wrongs by intentionally concealing them until at least December 2000, when he discovered the truth and could not reasonably have done so earlier. (Gore testified at his deposition on May 8, 2002 that he first discovered the discrepancies in his bills, the overcharges, the taxes, and failure to escrow the taxes, in December 2000. See Exh, D, pp. 25-28,) Thereafter he was unable to obtain any refund and based thereon, terminated Multiut’s services on or about June 2001, However, the wrongful acts are continuing to date, in that Multiut continues to ’refuse to provide an accounting and refund with interest to Gore and the Class, all to their detriment and damage. They seek imposition of constructive trust (id. 22), an accounting and damages in not less than the foregoing amounts plus interest (id, 9-13, 23).
    Gore filed the original Class Action Complaint on Nov. 20, 2001, and in lieu of responding to a motion to dismiss, filed the 1st Amended Class Action Complaint Feb. 14, 2002, setting forth 4 counts for (1) breach of
    3-: The City did not and will not collect the 8% Tax, presumably because of U.S. constitutional restrictions as to the interstate commerce clause and exceptions for interstate pipelines and out-of-state suppliers. As a result in 1994 the City changed the tax from an 8% gross receipts tax to a flat rate tax of 1.4 to 1.5 cents per therm. 2nd Amd. Comp. P 8. in Multiut’s response to First Request to Admit attached hereto as Exh. F), it has admitted the following statements about this Tax; (8) that Multiut collected approximately $14,000 in Tax from Gore between 1991-1994; and (9) that Multiut spent its customers Tax payments on business expenses.. Yehuda Draiman testified to the same effect in his deposition 1-10-02 See transcript excerpts attached hereto as Exh. E, at pp, 36-37,40, 68, and Exh, 6 thereto.
    Activity Date: 8/15/2007 Participant: GORE JACK
    CASE SET ON STATUS CALL
    Court Date: 8/29/2007
    Court Time: 0930
    Court Room: 2402
    Judge: BRONSTEIN, PHILIP L.

    August 30th, 2007 at 2:25 pm
    RE: MULTIUT CORP. FORMER CUSTOMERS!
    Multiut owner is Nachshon Draiman of Cook County, Illinois
    PLEASE BE ADVISED THAT YOU ARE PROBABLY DUE A REFUND PLUS INTEREST FOR SALES TAX ON NATURAL GAS WHICH WAS COLLECTED FROM YOU AND WITHHELD BY MULTIUT CORP. TEL # 847-982-0030 at 7514 N. Skokie Bl. Skokie, Illinois.
    MULTIUT IS HOLDING APPROXIMATELY OVER ONE MILLION DOLLARS THAT MAY BELONG TO CUSTOMERS.
    MULTIUT HAS OVERBILLED CUSTOMERS ON SHARED SAVINGS FOR THE PAST 14 YEARS.
    THERE IS CURRENTLY A CLASS ACTION SUIT AGAINST MULTIUT.
    I STRONGLY SUGGEST THAT YOU HAVE ALL YOUR BILLS THAT WERE ISSUED BY MULTIUT CORP. AUDITED THOROUGHLY THERE MAY BE STORAGE CREDITS DUE YOU AND ERRORS IN BILLING WHICH CREDITS MAY BE DUE YOU.
    Multiut has admitted in Court that they are holding the money.
    Gore vs Multiut 01 CH 19688 Circuit Court of Cook County, Illinois
    A concerned citizen
    For honesty in billing

    Dynegy Mkg & Trade v. Multiut Corp, Nachshon Draiman et al
    On August 16th, 2007:
    Dynegy Mkg & Trade v. Multiut Corp, Nachshon Draiman et al 1:02-cv-07446.
    Multiut Corp and Nachshon Draiman dba Future Associate of Skokie, IL. are withholding evidence of fraudulent activities in the Energy industry and inflated Medicaid billing to the government for Nursing Home patients. Also Bank fraud against their bank by presenting fraudulent and inflated receivable reports in order to get and keep a credit line, Nachshon Draiman was a large stock holder of the bank. Draiman Nachshon • SC 13G • Success Bancshares Inc • On 2/17/98
    Filed On 2/17/98 • SEC File 5-53545 • Accession Number 950137-98-586
    Court: United States District Court Northern District of Illinois -
    Case Title: Dynegy Mkg & Trade v. Multiut Corp, Nachshon Draiman Future Associates et al
    Case Number: 1:02-cv-07446
    Judge: Hon. John A. Nordberg
    Filed On: 10/16/2002
    SUMMARY
    Case Number: 1:02-cv-07446
    Referred To: Honorable Michael T. Mason
    Jury Demand: Defendant
    Demand: $9999000
    Nature of Suit: Contract: Other (190)
    Jurisdiction: Diversity
    Cause: 28:1332 Diversity-Breach of Contract
    Case Updated: 01/20/2005
    NAMES
    Party Name: Multiut Corporation an Illinois Corporation,
    Party Type: Defendant
    Attorney(s): Paul Thaddeus Fox
    (312) 456-8400
    Firm Name: Greenberg Traurig, LLP.
    Firm Address: 77 West Wacker Drive
    Suite 2500
    Chicago, IL 60601
    Alan Jay Mandel
    847-329-8450
    Firm Name: Alan J Mandel Ltd
    Firm Address: 7520 North Skokie Blvd
    Skokie, IL 60077
    03/30/2007 225
    NOTICE of Motion by Ira P. Gould for presentment of motion to withdraw as attorney224 before Honorable John A. Nordberg on 4/19/2007 at 02:30 PM. (Gould, Ira) (Entered: 03/30/2007)
    04/18/2007 226
    MINUTE entry before Judge John A. Nordberg: Motion of Ira Gould to withdraw his appearance on behalf of Multiut Corporation 224 is granted. The motion will not be heard on 4/19/07 as noticed. Mailed (vmj, ) (Entered: 04/19/2007)

• 12 September 2007, 02:57

  IDB vs Nachshon Draiman - 2007 Israel Discount Bank Fraud Lawsuit $45 million – filed Jan. 2007 in Jerusalem, Israel. from Globes Financial, in Israel
  The charges are that the developers of the hotel Nachshon and Elitzur Draiman committed illegal acts that brought the debt of the hotel to be about $45 million dollars, most of it to Israel Discount Bank (The hotel Jerusalem Pearl is located outside the Jaffa Gate - the old city of Jerusalem)
  The court appointed trustees of the Jerusalem Pearl Hotel claim in the municipal court in Jerusalem, to charge the developers in damages of over $20 million dollars - according to the lawsuit filed by the court appointed trustees, the lawyers Yair Green, Yaron Feinshtein and Nitzan Shemueli, claim that the developers of the hotel, the brothers Nachshon Draiman and Elitzur Draiman, committed illegal acts that brought the debt of the hotel to over $45 million dollars, most of it to Israel Discount Bank.
  The trustees claim that they are in the process of selling the property, at the asking price of $20 million dollars, and after the sale there will be a debt of about $25 million dollars.
  The difference of about $25 million dollars they hold against the brothers Nachshon Draiman and Elitzur Draiman, they developed the hotel with a foreign company that is incorporated in Illinois. (Jerusalem Enterprises)
  The Hotel which has 88 rooms and 22 suites, was operated by the Dan Hotels chain, and according to the trustees, the previous owners Nachshon Draiman and Elitzur Draiman owe the Dan Hotel Chain about $250,000.
  According to them Nachshon Draiman and Elitzur Draiman committed transfers of funds between various accounts, gave various guarantees in a form of checks that one of the accounts the check was drawn on was closed, presented exhibits and fictitious and false documents as to substantiate their investment in the hotel - which is false and fraud, transferred funds overseas from the funds belonging to the hotel project without explanation or reasoning and inflated the amount of cost of construction (about $2,500 per square meter) amounts that are way greater than any reasonable estimates that would cost to build the hotel.
  Additional claim is that Nachshon Draiman and Elitzur Draiman presented false and deceptive documentation to the Israeli government division of development and investment, in order to obtain loans with government guarantees and government grants. (January 15, 2007)
  Possible criminal charges may be initiated.
  For More Information See: www.antidefamationusa.com
  פרקי מלון פנינת דן בירושלים: לחייב את היזמים ב-20 מיליון שקל
  טוענים כי יזמי הקמת המלון, נחשון ואליצור דריימן, ביצעו פעולות לא חוקיות שהביאו את המלון לחוב של כ-45 מיליון דולר, רובו לדיסקונט
  שמואל דקלו‏
  16:18 15/1/07
  המפרקים של מלון פנינת דן שבירושלים דורשים בבית המשפט המחוזי בירושלים לחייב את יזמי הקמת המלון בפיצוי של למעלה מ-20 מיליון שקלים. בתביעה שהגישו המפרקים, עוה"ד יאיר גרין ירון פיינשטיין וניצן שמואלי, הם טוענים כי יזמי הקמת המלון, האחים נחשון ואליצור דריימן, ביצעו פעולות לא חוקיות שהביאו את המלון לחוב של כ-45 מיליון דולר, רובו לבנק דיסקונט
  ( 904 -0.66% )
  .
  המפרקים טוענים כי הם מצויים בהליכי מכירת הנכס, כאשר התשלום המבוקש הוא כ-20 מיליון דולר, ולאחר המכירה יגיע סכום החובות לכ-25 מיליון דולר.
  את
  מודעה
  ההפרש הם מבקשים מהאחים דריימן, שהקימו את המלון באמצעות חברת חוץ שהתאגדה באלינוי.
  המלון, שבו 88 חדרים ו-22 סוויטות, הופעל על ידי רשת מלונות דן, ולטענת המפרקים בעלי המלון לשעבר חייבים לרשת כ-900 אלף שקל.
  לדבריהם, האחים דריימן ביצעו העברות פיקטיביות בין חשבונות; נתנו בטוחות באמצעות צ’קים שאת החשבון ממנו נמשך אחד הצ’קים סגרו; הציגו מצגי שווא בדבר סכום ההשקעה במלון; העבירו כספים לחו"ל מכספי החברה ללא הסבר וניפחו את סכום בניית המלון (כ-2,500 דולר למטר) בסכומים העולים פי כמה על הערכות הסבירות של בניית המלון.
  עוד נטען, כי הם הציגו מצג מטעה כלפי מרכז ההשקעות על מנת להשיג הלוואות בערבות מדינה ומענקי

• 7 October 2007, 06:54

  Nachshon Draiman Conviction for the death of a patient and abuse in his Mill View nursing homes in Niles, Illinois. R1

  Nachshon Draiman - Multiut Corp. – Future Associates Fraud
  You will note that State and Federal Court records in Illinois and elsewhere are replete with lawsuits, judgments and wrongdoing by Nachshon Draiman and his companies. Causing the death of patients in the Nursing homes and a lawsuit by the State of Illinois with civil and criminal conviction People v. Gurell, Nachshon Draiman (1983), 98 Ill.2d 194, 207, 74 Ill.Dec. 516, 456 N.E.2d 18.). Abusing nursing home patients see State of Illinois records.
  See People of the State of Illinois vs. Gurell, Nachshon Draiman et al – 456 N.E.2d 18 there has been numerous patient abuse and deaths due to that abuse. In 127 Ill.App.3d 1165, 483 N.E.2d 731, 91 Ill.Dec. 385 Sonnenberg v. Mill View Associates, Nachshon Draiman where millions of dollars had to be paid as damages for abuse and death of a patient, not to mention numerous patients who died falling down an elevator shaft.

  Former Assistant U.S. Attorney Brian W. Ellis Claims he has DNA forensic evidence that Nachshon Draiman - Multiut forged and modified documents presented to the Court in his lawsuit against his brother Yehuda J. Draiman
  The Supposed 1991 IMA Agreement Put Into Evidence by Multiut – Nachshon Draiman Is a Fraud
  The evidence overwhelmingly favors Yehuda Draimans’ account of events. There are at least eight separate, independent indicators that Nachshon Draiman deceptively modified an IMA Agreement that Yehuda received and signed in 1989, added terms to which Yehuda never agreed, including the incorporation of an unsigned Employee Confidentiality Agreement, and inserted a false date of execution to create the document introduced as Plaintiff’s Exhibit 10. First, Defendants’ expert forensic ink analyst, Erich Speckin, testified that he found manufacturer date tags in the ink for the disputed writings on Plaintiff’s Exhibit 10, and that the sequence of those date tags establishes without question that the ink was manufactured in 1993, two years after Nachshon Draiman said he made the writings. (8/14/02 Tr., at 2214-25) That testimony is undisputed.

  It is a known fact that justice in Chicago can be swayed in your favor with proper incentives. The trial judge left the bench after this case when the court ignored overwhelming evidence against Multiut and Nachshon Draiman and other cases were investigated by the government.
  Nachshon Draiman’s intimidation of witnesses, blackmail and other scare tactics will not work.

  Nachshon Draiman defrauds Israel Discount Bank in Hotel financing to the tune of $45 million dollars.
  Utilizing modified and fabricated sales contract of units in the Jerusalem Pearl purchased and totally paid for by 1. Nachshon Draiman, 2. Elitzur Draiman, 3. Irwin Katz a former Federal Judge and part owner of Multiut, 4. Barry Ray, 5. Danny Shabat, 6. Gershon Bassman, 7. Dr. Sam Lipschitz, 8. It seems presenting false and deceptive documents is a way of life for Nachshon Draiman

  Nachshon Draiman presented a forged College Diploma to the Illinois Department of Registration in order to receive his Nursing Home Administrator’s license No. 44001323.
  For More Information See: www.antidefamationusa.com.

  • 9 October 2007, 06:53

    Jay Drai..AKA Yehuda Jay Draiman..THE REAL FRAUD ..and ADJUDICATED FACTS are that...His claims are malicious, false, meritless,misrepresentations of the REAL FACTS and contrived. These baseless accusations are the fabrications of a disgruntled former employee, Yehuda "Jay" Draiman, a CONVICTED FELON who has been FOUND GUILTY of charges leading to millions of dollars in judgments by the Illinois and federal court system.

    Left with no legal or rational alternative, "Jay" has resorted to conjuring up false stories and contrived meritless accusations on the internet and public forums, to attempt to smear his former employee.

    These facts can be verified by court records available from a Google search for "Multiut v. Yehuda".

    Yehuda Jay Draiman is a former employee who was terminated in 2001 from Multiut Corporation when he was discovered diverting clients and funds of the company. He was subsequently FOUND GUILTY of breaches of fiduciary duty, consumer FRAUD and deceptive trade practices and CONSPIRACY, and a judgment in excess of $1.5 million was entered against him, in addition to several findings of contempt, by the Cook County Circuit Court & upheld by the Appellate court (ruling 1-03-0857).
    http://www.state.il.us/court/Opinions/AppellateCourt/2005/1stDistrict/July/Html/1030857.htm

    Federal courts have also entered subsequent judgments against Yehuda and his wife Miriam for committing false bankruptcy filings in yet another attempt to defame his former employer. Federal courts declared the judgments to be non-dischargeable due to the fraud involved by Yehuda Draiman, for abusing the court system in a manner similar to the way he now attempts to abuse the internet. These FACTS can be verified by federal court records available from a Google search for "Doyle Draiman".
    http://www.ilnb.uscourts.gov/JudgeDoyle/Opinions/Draiman_Yehuda.pdf

    Public documents verify that ’Jay’ was also CONVICTED OF 10 COUNTS of wire and mail FRAUD during the 1980’s. Nachshon, Yehuda’s brother, originally provided Yehuda with a job in the Multiut company subsequent to general assistance he provided to help Yehuda and his family following Yehuda‘s first stint of a FOUR YEARS sentence to the FEDRAL PENITENTIARY for that conviction in the 80’s. See United States v. Draiman, 784 F.2d 248 (7th Cir. 1986)
    http://caselaw.lp.findlaw.com/data2/circs/7th/023922p.pdf

    Yehuda Draiman was also the subject of a special investigation conducted by the Illinois Legislative Investigating Commission for the Illinois General Assembly (see:4/22/75 Illinois Nursing Homes: A Report to the Illinois General Assembly). “Jay” was barred from serving in the nursing home field after HE DEFRAUDED A RESIDENT under his care of more than $40,000. The report cites testimony from a resident stating that Yehuda offered to return her money if she took a ride with him to his “bank”, and instead LEFT HER STRANDED in a deserted cornfield in the DEAD OF WINTER in 8 degree weather. Only by luck was she spotted by a passerby who reported the incident to the MCHENRY COUNTY SHERIFF’S Department. When the sheriff’s office interviewed Yehuda, he claimed “when they got out into the country she asked to be let out. He let her out and drove back to Chicago…and found her purse in the back seat.” In these instances, as well as the recent litigation, Yehuda Jay Draiman’s tactic has been to invent illegalities to accuse his victims of, in order to shift the focus of attention away from him.
    http://multiut.com/responses_to_YJD /IL_Assembly_Report_04_75.pdf

    The current posting is just another example of Yehuda Jay Draiman’s tactics.

    For more information about defamation attempts by Yehuda Jay Draiman, see www.Illinoisantidefamation.com or www.IllinoisDefamationProtection.com

  • 28 September 2008, 11:11, by jay draiman

    Nachshon Draiman and Multiut charged $15 million judgment
    Honorable John A. Nordberg: Enter Memorandum Opinion and Order.
    For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff, and against defendants Multiut and Nachshon Draiman
    Case 1:02-cv-07446 Document 228 Filed 06/11/2008 Page 1 of 1
    UNITED STATES DISTRICT COURT
    FOR THE Northern District of Illinois − CM/ECF LIVE, Ver 3.2.1
    Eastern Division
    Dynegy Marketing and Trade
    Plaintiff,
    v. Case No.: 1:02−cv−07446
    Hon. John A. Nordberg
    Multiut Corporation, Nachshon Draiman, et al.
    Defendant.
    NOTIFICATION OF DOCKET ENTRY
    This docket entry was made by the Clerk on Wednesday, June 11, 2008:
    MINUTE entry before the Honorable John A. Nordberg:Enter Memorandum
    Opinion and Order. For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff, and against defendants Multiut and Nachshon Draiman, on Counts I and II of plaintiffs amended complaint, in the amount of
    $15,348,244.72 plus interest accruing from October 1, 2004. Judgment is granted for plaintiff and against defendants on Counts I through VI of defendants
    counterclaims.Status hearing set for 10/2/2008 at 2:30 PM. [183],[196]Mailed notice(tlp, )
    ATTENTION: This notice is being sent pursuant to Rule 77(d) of the Federal Rules of Civil Procedure or Rule 49(c) of the Federal Rules of Criminal Procedure. It was generated by CM/ECF, the automated docketing system used to maintain the civil and criminal dockets of this District. If a minute order or other document is enclosed, please refer to it for additional information.
    For scheduled events, motion practices, recent opinions and other information, visit our web site at www.ilnd.uscourts.gov.

  • 23 October 2008, 14:15, by yehuda draiman

    Nachshon Draiman and Multiut charged with a $15 million judgment for fraud - $21 million with interest
    Dynegy vs Multiut, Nachshon Draiman Case No.: 1:02−cv−07446
    Honorable John A. Nordberg: Enter Memorandum Opinion and Order.
    For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff Dynegy, and against defendants Multiut and Nachshon Draiman, Future Associates
    Case 1:02-cv-07446 Document 228 Filed 06/11/2008 Page 1 of 1
    UNITED STATES DISTRICT COURT
    FOR THE Northern District of Illinois − CM/ECF LIVE, Ver 3.2.1
    Eastern Division
    Dynegy Marketing and Trade
    Plaintiff,
    v. Case No.: 1:02−cv−07446
    Hon. John A. Nordberg
    Multiut Corporation, Nachshon Draiman, Future Associates, et al.
    Defendant.
    NOTIFICATION OF DOCKET ENTRY
    This docket entry was made by the Clerk on Wednesday, June 11, 2008:
    MINUTE entry before the Honorable John A. Nordberg: Enter Memorandum
    Opinion and Order. For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff, and against defendants Multiut and Nachshon Draiman, Future Associates on Counts I and II of plaintiffs amended complaint, in the amount of
    $15,348,244.72 plus interest accruing from October 1, 2004. Judgment is granted for plaintiff and against defendants Nachshon Draiman, Multiut, Future Associates on Counts I through VI of defendants
    ATTENTION: This notice is being sent pursuant to Rule 77(d) of the Federal Rules of Civil Procedure or Rule 49(c) of the Federal Rules of Criminal Procedure. It was generated by CM/ECF, the automated docketing system used to maintain the civil and criminal dockets of this District. For scheduled events, motion practices, recent opinions and other information, visit our web site at www.ilnd.uscourts.gov.
    CONCLUSION

    For the reasons set forth above, defendant’s Nachshon Draiman motion for summary judgment is granted, and judgment is granted to plaintiff - Dynegy, and against defendants Multiut and Nachshon Draiman, Future Associates on Counts I and II of plaintiff’s amended complaint, in the amount of $15,348,244.72 plus interest ($21 million) accruing from October 1, 2004. Judgment is granted for plaintiff and against defendants on Counts I through VI of defendants’ counterclaims.
    FN1. Dynegy has also filed several fraudulent transfer counts alleging that Nachshon Draiman caused Multiut to transfer over $21 million to himself, his family, and related business entities and that most of this money came from the sale of gas delivered by Dynegy. But the present summary judgment motion does not address these counts. (with interest it is $21 million as of October 1, 2008 and increasing by $115,000 every month)

    N.D.Ill.,2008.
    Dynegy Marketing and Trade v. Multiut Corp., Nachshon Draiman, Future Associates
    Slip Copy, 2008 WL 2410425 (N.D.Ill.)
    See: www.nachshondraiman.net

    Nachshon Draiman aka Nachson Draiman aka N Draiman
    Multiut Corp., Multiut LLC, Future Associates, Future Associates LLC, LCF
    END OF DOCUMENT
    Nachshon Draiman, Chicago – nursing home administrator license (044001323). revoked
    Illinois Department of Financial and Professional Regulation 2008
    File Format: PDF/Adobe Acrobat - View as HTML
    Nachshon Draiman, Chicago – nursing home administrator license (044001323). revoked and fined $2000 for misrepresenting information in his application ... providing false college diploma
    www.idfpr.com/Forms/DISCPLN/0108_dis.pdf - Similar pages

    See: www.nachshondraiman.net
    www.nachshondraiman.org
    www.draiman.net

    1. Minute Orders 12/23/04
    No notice 1:02-cv-07446 Dynegy Mkg & Trade-v-Multiut Corp, et al Docket Date: 12 /27/04 MINUTE ORDER of 12/23/04 by Honorable Michael T. Mason : Plaintiff’s ...
    www.ilnd.uscourts.gov/MinOrds/1223.htm - 65k - Cached - Similar pages
    2. Minute Orders 01/10/05
    No notice 1:02-cv-07446 Dynegy Mkg & Trade-v-Multiut Corp, et al Docket Date: 01 /10/05 MINUTE ORDER of 1/10/05 by Honorable Michael T. Mason : As stated on ...
    www.ilnd.uscourts.gov/MinOrds/0110.htm - 145k - Cached - Similar pages

• 18 May 2008, 17:18, by jay draiman

  Nachshon Draiman, Chicago – nursing home administrator license (044001323) revoked and fined $2,000
  Illinois Department of Financial and
  Professional Regulation NEWS
  IDFPR
  Disciplinary Actions for January 2008 SPRINGFIELD
  The Illinois Department of Financial and Professional Regulation (IDFPR)
  announced today that the Directors of the Division of Professional Regulation, Daniel E. Bluthardt, and Insurance, Michael T. McRaith, signed the following disciplinary orders in January. Orders for the Division of Banking were authorized by Director Jorge Solis.

  NURSING HOME ADMINISTRATOR

  Nachshon Draiman, Chicago – nursing home administrator license (044001323)
  revoked and fined $2,000 for misrepresenting information in his application concerning postgraduate education degree, to obtain nursing home administrator licensure from the Department.

  • 29 September 2008, 01:07, by jay draiman

    Nachshon Draiman and Multiut charged with $15 million judgment
    Honorable John A. Nordberg: Enter Memorandum Opinion and Order.
    For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff, and against defendants Multiut and Nachshon Draiman
    Case 1:02-cv-07446 Document 228 Filed 06/11/2008 Page 1 of 1
    UNITED STATES DISTRICT COURT
    FOR THE Northern District of Illinois − CM/ECF LIVE, Ver 3.2.1
    Eastern Division
    Dynegy Marketing and Trade
    Plaintiff,
    v. Case No.: 1:02−cv−07446
    Hon. John A. Nordberg
    Multiut Corporation, Nachshon Draiman, et al.
    Defendant.
    NOTIFICATION OF DOCKET ENTRY
    This docket entry was made by the Clerk on Wednesday, June 11, 2008:
    MINUTE entry before the Honorable John A. Nordberg:Enter Memorandum
    Opinion and Order. For the reasons set forth above, defendants motion for summary judgment is granted, and judgment is granted to plaintiff, and against defendants Multiut and Nachshon Draiman, on Counts I and II of plaintiffs amended complaint, in the amount of
    $15,348,244.72 plus interest accruing from October 1, 2004. Judgment is granted for plaintiff and against defendants on Counts I through VI of defendants
    counterclaims.Status hearing set for 10/2/2008 at 2:30 PM. [183],[196]Mailed notice(tlp, )
    ATTENTION: This notice is being sent pursuant to Rule 77(d) of the Federal Rules of Civil Procedure or Rule 49(c) of the Federal Rules of Criminal Procedure. It was generated by CM/ECF, the automated docketing system used to maintain the civil and criminal dockets of this District. If a minute order or other document is enclosed, please refer to it for additional information.
    For scheduled events, motion practices, recent opinions and other information, visit our web site at www.ilnd.uscourts.gov.
    www.nachshondraiman.net

  • 17 May 2009, 19:09, by jay draiman

    NACHSHON DRAIMAN 09-17582 and Multiut 09-17575 file for bankruptcy
    ilnbke
    09-17582

    ilnbke
    09-17575

    On May 14, 2009, NACHSHON DRAIMAN filed for Chapter 11 bankruptcy. The filer is being represented by Michael L Ralph, Sr of the firm Ralph, Schwab & Schiever, Chtd.
    A bankruptcy petition preparer’s failure to comply with the provisions of
    title 11 and the Federal Rules of Bankruptcy Procedure may result in
    fines or imprisonment or both 11 U.S.C. §110; 18 U.S.C. §156.
    Multiut Corporation
    /s/ SCOTT R. CLAR
    SCOTT R. CLAR 06183741
    Crane, Heyman, Simon, Welch & Clar
    Suite 3705
    135 South LaSalle Street
    Chicago, IL 60603-4297
    312-641-6777 Fax: 312-641-7114
    May 14, 2009
    Nachshon Draiman
    /s/ Nachshon Draiman
    President
    May 14, 2009

    I certify under penalty of perjury that the information provided above is true and correct.
    Signature of Debtor: /s/ Nachshon Draiman
    Nachshon Draiman
    Date: May 14, 2009
    Software

    B4 (Official Form 4) (12/07)
    United States Bankruptcy Court
    Northern District of Illinois
    In re Nachshon Draiman Case No.
    Debtor(s) Chapter 11
    LIST OF CREDITORS HOLDING 20 LARGEST UNSECURED CLAIMS
    Following is the list of the debtor’s creditors holding the 20 largest unsecured claims. The list is prepared in
    accordance with Fed. R. Bankr. P. 1007(d) for filing in this chapter 11 [or chapter 9] case. The list does not include (1)
    persons who come within the definition of "insider" set forth in 11 U.S.C. § 101, or (2) secured creditors unless the value of
    the collateral is such that the unsecured deficiency places the creditor among the holders of the 20 largest unsecured claims.
    If a minor child is one of the creditors holding the 20 largest unsecured claims, state the child’s initials and the name and
    address of the child’s parent or guardian, such as "A.B., a minor child, by John Doe, guardian." Do not disclose the child’s
    name. See 11 U.S.C. § 112; Fed. R. Bankr. P. 1007(m).
    (1)
    Name of creditor and complete
    mailing address including zip
    code
    (2)
    Name, telephone number and complete
    mailing address, including zip code, of
    employee, agent, or department of creditor
    familiar with claim who may be contacted
    (3)
    Nature of claim (trade
    debt, bank loan,
    government contract,
    etc.)
    (4)
    Indicate if claim is
    contingent,
    unliquidated,
    disputed, or subject
    to setoff
    (5)
    Amount of claim [if
    secured, also state
    value of security]
    Alan Mandel
    7520 N. Skokie Blvd.
    Skokie, IL 60077
    Alan Mandel
    7520 N. Skokie Blvd.
    Skokie, IL 60077
    Attorney’s Fees and
    Costs
    Disputed
    Subject to Setoff
    193,963.62
    BankFinancial, F.S.B.
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Bank Financial
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Personal Line of
    Credit
    120,000.00
    BankFinancial, F.S.B.
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Bank Financial
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Guaranty on Bank
    Loan, Lifescan
    Laboratiries, Inc.
    Contingent
    Unliquidated
    259,748.58
    BankFinancial, F.S.B.
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Bank Financial
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Guaranty on Bank
    Loan, Peterson Park
    Health Care Center
    Contingent
    Unliquidated
    1,048,361.25
    BankFinancial, F.S.B.
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Bank Financial
    3443 W. Touhy Avenue
    Lincolnwood, IL 60712
    Guaranty of Real
    Estate Mortgage
    Loan, Lifescan
    Laboratiries, Inc.
    Contingent
    Unliquidated
    859,670.31
    Brickyard Bank
    6676 N. Lincoln Avenue
    Lincolnwood, IL 60712-3631
    Brickyard Bank
    6676 N. Lincoln Avenue
    Lincolnwood, IL 60712-3631
    Guaranty on Bank
    Loan, Embassy
    Holdings, LLC
    Contingent
    Unliquidated
    2,200,000.00
    Brickyard Bank
    6676 N. Lincoln Avenue
    Lincolnwood, IL 60712-3631
    Regina Hirn
    Brickyard Bank
    6676 N. Lincoln Avenue
    Lincolnwood, IL 60712-3631
    847-979-2265
    Personal line of
    credit
    677,251.85
    Cole Taylor Bank
    225 W. Washington St.
    8th Floor
    Chicago, IL 60606
    Jonathon Rothstein
    Cole Taylor Bank
    225 W. Washington St., 8th Floor
    Chicago, IL 60606
    312-442-5000
    Guaranty of Bank
    Loan LOC, LCF
    Associates
    Contingent
    Unliquidated
    400,000.00
    Cole Taylor Bank
    225 W. Washington St.
    8th Floor
    Chicago, IL 60606
    Cole Taylor Bank
    225 W. Washington St., 8th Floor
    Chicago, IL 60606
    Guaranty of Real
    Estate Mortgage
    Loan, LCF
    Associates
    Contingent
    Unliquidated
    1,000,000.00
    Danny Shabat
    3531 W. Howard
    Skokie, IL 60076
    Danny Shabat
    3531 W. Howard
    Skokie, IL 60076
    200,000.00
    Software Copyright (c) 1996-2007 Best Case Solutions - Evanston, IL - (800) 492-8037 Best

    B4 (Official Form 4) (12/07) - Cont.
    In re Nachshon Draiman Case No.
    Debtor(s)
    LIST OF CREDITORS HOLDING 20 LARGEST UNSECURED CLAIMS
    (Continuation Sheet)
    (1)
    Name of creditor and complete
    mailing address including zip
    code
    (2)
    Name, telephone number and complete
    mailing address, including zip code, of
    employee, agent, or department of creditor
    familiar with claim who may be contacted
    (3)
    Nature of claim (trade
    debt, bank loan,
    government contract,
    etc.)
    (4)
    Indicate if claim is
    contingent,
    unliquidated,
    disputed, or subject
    to setoff
    (5)
    Amount of claim [if
    secured, also state
    value of security]
    Dynegy Marketing and Trade
    1000 Louisiana
    Suite 5800
    Houston, TX 77002
    Dynegy Marketing and Trade
    1000 Louisiana, Suite 5800
    Houston, TX 77002
    Judgment Creditor -
    Appeal Pending
    Disputed 15,348,244.72
    First Bank
    900 East Higgins Road
    Elk Grove Village, IL 60007
    First Bank
    900 East Higgins Road
    Elk Grove Village, IL 60007
    Guaranty of Bank
    Loan for now
    inactive business,
    Embassy Day Care
    Center, Inc.
    Contingent
    Unliquidated
    Disputed
    800,000.00
    Great-West Life & Annuity et al.
    c/o Chittenden Murday Novotny
    303 W. Madison #1400
    Chicago, IL 60606
    Great-West Life & Annuity et al.
    c/o Chittenden Murday Novotny
    303 W. Madison #1400
    Chicago, IL 60606
    Pending litigation -
    health insurance
    claims
    Contingent
    Unliquidated
    Disputed
    142,360.00
    Greenberg Traurig
    77 West Wacker Drive
    Suite 2500
    Chicago, IL 60601
    Greenberg Traurig
    77 West Wacker Drive, Suite 2500
    Chicago, IL 60601
    Attorneys’ Fees and
    Costs
    Disputed
    Subject to Setoff
    827,310.10
    Israel Discount Bank
    Yehuda Halevy 27-31
    POB 456
    Tel Aviv , Israel, 65136
    Israel Discount Bank
    Yehuda Halevy 27-31, P.O. Box 456
    Tel Aviv, Israel 65136
    Pending Litigation Contingent
    Unliquidated
    Disputed
    Subject to Setoff
    25,000,000.00
    Peterson Park
    7520 Skokie Blvd.
    Skokie, IL 60077
    Peterson Park
    7520 Skokie Blvd.
    Skokie, IL 60077
    Contingent
    Unliquidated
    Disputed
    3,000,000.00
    Premier Bank
    1210 Central Avenue
    Wilmette, IL 60091
    Ginett Ramos
    Premier Bank
    1210 Central Avenue
    Wilmette, IL 60091
    847-920-1400
    Guaranty on Bank
    Loan, Embassy
    Holdings, LLC
    Contingent
    Unliquidated
    749,316.68
    Robert Hartman
    6633 N. Lincoln Avenue
    Lincolnwood, IL 60712
    Robert Hartman
    6633 N. Lincoln Avenue
    Lincolnwood, IL 60712
    Loan - Business 200,000.00
    Ron Shabat
    5936 N. Bernard
    Chicago, IL 60659
    Ron Shabat
    5936 N. Bernard
    Chicago, IL 60659
    750,000.00
    Virginia Feddeler et al.
    c/o Paul R. Shuldiner
    20 S. Clark #500
    Chicago, IL 60603
    Virginia Feddeler et al.
    c/o Paul R. Shuldiner
    20 S Clark #500
    Chicago, IL 60603
    Pending litigation -
    personal injury torte
    claim
    Contingent
    Unliquidated
    Disputed
    3,000,100.00
    Software Copyright (c) 1996-2007 Best Case Solutions - Evanston, IL - (800) 492-8037 Best Case Bankruptcy

    B4 (Official Form 4) (12/07) - Cont.
    In re Nachshon Draiman Case No.

• 18 May 2008, 23:21, by jay draiman

  Energy Independence begins with Energy efficiency - It’s cheaper to save energy than to make energy (“Out of Oil, Here Comes the Sun”)
  Why high oil prices haven’t cut demand.
  As oil at $100 and over going to $200 .
  Bigger economic incentives needed to conserve energy
  Driving habits little changed by gas prices
  May 12: American motorists continue to fork over more money at the pump and are not changing their driving behavior despite rising fuel prices.
  Despite higher fuel prices, demand hasn’t fallen as it did after the 1970s oil shocks. Energy researchers say it will take greater economic incentives to boost energy efficiency and cut consumption. Accelerate the implementation of renewable energy generation, Solar, Wind, etc..

  Updated May 17, 2008
  MANDATORY RENEWABLE ENERGY – THE ENERGY EVOLUTION –R31
  by Jay Draiman, Energy Consultant

  Sustainability - "We strive to meet the needs of the present generation without compromising the ability of future generations to meet their own needs".

  Today’s energy industry is perhaps the world’s most powerful. Energy is the basis of this entire world’s wealth, and for perhaps earth’s entire history, the sun’s energy has fueled all ecological and economic systems. If early humans did not learn to exploit new sources of energy, humankind would still be living in the tropical forests. Without the continual exploitation of new energy sources, there would have been no civilization, no Industrial Revolution and no looming global catastrophe.

  In order to insure energy and economic independence as well as better economic growth without being blackmailed by foreign countries, our country, the United States of America’s Utilization of Energy Sources must change.
  "Energy drives our entire economy.” We must protect it. "Let’s face it, without energy the whole economy and economic society we have set up would come to a halt. So you want to have control over such an important resource that you need for your society and your economy." The American way of life is not negotiable.
  Our continued dependence on fossil fuels could and will lead to catastrophic consequences.

  The federal, state and local government should implement a mandatory renewable energy installation program for residential and commercial property on new construction and remodeling projects, replacement of appliances, motors, HVAC with the use of energy efficient materials-products, mechanical systems, appliances, lighting, insulation, retrofits etc. The source of energy must be by renewable energy such as Solar-Photovoltaic, Geothermal, Wind, Biofuels, Ocean-Tidal, Hydrogen-Fuel Cell etc. This includes the utilizing of water from lakes, rivers and oceans to circulate in cooling towers to produce air conditioning, increase the use of outside air for ventilation and cooling (which also reduces indoor pollution and healthier), and the utilization of proper landscaping to reduce energy consumption. (Sales tax on renewable energy products and energy efficiency should be reduced or eliminated) (Construct new transmission lines and renewable energy zones) (We should also utilize solar energy for ocean water desalinization to alleviate the increasing water shortages – the scientists are claiming ocean levels are elevating – population, economic advancement and technology are increasing which increases demand)
  “OUT OF OIL, HERE COMES THE SUN” SOLAR ENERGY
  The implementation of mandatory renewable energy could be done on a gradual scale over the next 10 years. At the end of the 10 year period all construction and energy use in the structures throughout the United States must be 100% powered by renewable energy. (This can be done by amending building code)

  In addition, the governments must impose laws, rules and regulations whereby the utility companies must comply with a fair “NET METERING” (the buying of excess generation from the consumer at market price), including the promotion of research and production of “renewable energy technology” with various long term incentives and grants. The various foundations in existence should be used to contribute to this cause.

  A mandatory time table should also be established for the automobile industry to gradually produce an automobile powered by renewable energy. The American automobile industry is surely capable of accomplishing this task. As an inducement to buy hybrid automobiles (sales tax should be reduced or eliminated on American manufactured automobiles).

  This is a way to expedite our energy independence and economic growth. (This will also create a substantial amount of new jobs). It will take maximum effort and a relentless pursuit of the private, commercial and industrial government sectors’ commitment to renewable energy – energy generation (wind, solar, hydro, biofuels, geothermal, energy storage (fuel cells, advance batteries), energy infrastructure (management, transmission) and energy efficiency (lighting, sensors, automation, conservation) (rainwater harvesting, water conservation) (energy and natural resources conservation) in order to achieve our energy independence.

  For the benefit of mankind, maintain the quality of life and preserve the tranquility of world population. Water resources must be preserved to sustain humanity. We should utilize solar and or other source of renewable energy to operate desalinization projects from the oceans. As world population increases the scarcity of water will become a cause for conflict, unless we take steps now to develop other sources of water for drinking, rainwater harvesting and graywater utilization.
  To preserve the future generations sustainability, we should look into urban farming – vertical farming. The term "urban farming" may conjure up a community garden where locals grow a few heads of lettuce. But some academics envision something quite different for the increasingly hungry world of the 21st century: a vertical farm that will do for agriculture what the skyscraper did for office space. Greenhouse giant: By stacking floors full of produce, a vertical farm could rake in $18 million a year.
  I believe what America needs are cool headed government leaders who understand how markets function and can work with consumers, voters and oil industry leaders to develop a viable energy strategy that will help and not hinder as our nation transitions to our new energy reality.
  For German Homeowners Renewable Energy is No Longer a Choice
  All new homes built in Germany from January 1st 2009 will be required to install renewable energy heating systems under a new law called the Renewable Energies Heating Law
  "To succeed, you have to believe in something with such a passion that it becomes a reality."

  Jay Draiman, Energy Consultant
  Northridge, CA. 91324
  January 31, 2008

  P.S. I have a very deep belief in America’s capabilities. Within the next 10 years we can accomplish our energy independence, if we as a nation truly set our goals to accomplish this.

  I happen to believe that we can do it. In another crisis—the one in 1942—President Franklin D. Roosevelt said this country would build 60,000 [50,000] military aircraft. By 1943, production in that program had reached 125,000 aircraft annually. They did it then. We can do it now.

  "The way we produce and use energy must fundamentally change."
  The American people resilience and determination to retain the way of life is unconquerable and we as a nation will succeed in this endeavor of Energy Independence.

  The Oil Companies should be required to invest a substantial percentage of their profit in renewable energy R&D and implementation. Those who do not will be panelized by the public at large by boy cutting their products.

  Solar energy is the source of all energy on the earth (excepting volcanic geothermal). Wind, wave and fossil fuels all get their energy from the sun. Fossil fuels are only a battery which will eventually run out. The sooner we can exploit all forms of Solar energy (cost effectively or not against dubiously cheap FFs) the better off we will all be. If the battery runs out first, the survivors will all be living like in the 18th century again.

  Every new home built should come with a solar package. A 1.5 kW per bedroom is a good rule of thumb. The formula 1.5 X’s 5 hrs per day X’s 30 days will produce about 225 kWh per bedroom monthly. This peak production period will offset 17 to 2

  4 cents per kWh with a potential of $160 per month or about $60,000 over the 30-year mortgage period for a three-bedroom home. It is economically feasible at the current energy price and the interest portion of the loan is deductible. Why not?

  Title 24 has been mandated forcing developers to build energy efficient homes. Their bull-headedness put them in that position and now they see that Title 24 works with little added cost. Solar should also be mandated and if the developer designs a home that solar is impossible to do then they should pay an equivalent mitigation fee allowing others to put solar on in place of their negligence. (Installation should be paid “performance based”).

  Installation of renewable energy and its performance should be paid to the installer and manufacturer based on "performance based" (that means they are held accountable for the performance of the product - that includes the automobile industry). This will gain the trust and confidence of the end-user to proceed with such a project; it will also prove to the public that it is a viable avenue of energy conservation.

  Installing a renewable energy system on your home or business increases the value of the property and provides a marketing advantage. It also decreases our trade deficit.

  Nations of the world should unite and join together in a cohesive effort to develop and implement MANDATORY RENEWABLE ENERGY for the sake of humankind and future generations.

  The head of the U.S. government’s renewable energy lab said Monday (Feb. 5) that the federal government is doing "embarrassingly few things" to foster renewable energy, leaving leadership to the states at a time of opportunity to change the nation’s energy future. "I see little happening at the federal level. Much more needs to happen." What’s needed, he said, is a change of our national mind set. Instead of viewing the hurdles that still face renewable sources and setting national energy goals with those hurdles in mind, we should set ambitious national renewable energy goals and set about overcoming the hurdles to meet them. We have an opportunity, an opportunity we can take advantage of or an opportunity we can squander and let go,"

  Solar energy - the direct conversion of sunlight with solar cells, either into electricity or hydrogen, faces cost hurdles independent of their intrinsic efficiency. Ways must be found to lower production costs and design better conversion and storage systems.

  Disenco Energy of the UK has announced it has reached important
  milestones leading to full commercialization, such as the completion of
  field trials for its home, micro combined heat and power plant (m-CHP).
  The company expects to begin a product roll out in the second quarter of
  2008.
  Operating at over 90 percent efficiency, the m-CHP will be able to
  provide 15 kilowatts of thermal energy (about 50,000 Btu’s) for heat and
  hot water and generate 3 kilowatts of electricity. The m-CHP uses a
  Stirling engine generator and would be a direct replacement for a home’s
  boiler.
  Running on piped-in natural gas the unit would create some independence
  from the power grid, but still remain connected to the gas supply
  network.
  Whereas heat is supplied only when the generator is running (or
  conversely electricity is generated only when heat is needed) a back-up
  battery system and heavily insulated hot water storage tank seem
  eventual options for more complete energy independence.

  FEDERAL BUILDINGS WITH SOLAR ENERGY – Renewable Energy
  All government buildings, Federal, State, County, City etc. should be mandated to be energy efficient and must use renewable energy on all new structures and structures that are been remodeled/upgraded.
  "The government should serve as an example to its citizens"

  A new innovative renewable energy generating technology is in development. The idea behind Promethean Power came from Matthew Orosz, an MIT graduate student who has worked as a Peace Corps volunteer in the African nation of Lesotho. Orosz wanted to provide electric power, refrigeration, and hot water to people without electricity. He and some MIT colleagues designed a set of mirrors that focus sunlight onto tubes filled with coolant. The hot coolant turns to pressurized vapor, which turns a turbine to make electricity. The leftover heat can be used to warm a tank of water and to run a refrigerator or an air conditioner, using a gas-absorption process that chills liquid ammonia by first heating it.
  IS TECHNOLOGY BEING HELD BACK
  New Solar Electric Cells - 80% efficient
  Mr. Marks says solar panels made with Lepcon or Lumeloid, the materials he patented, ... Most photovoltaic cells are only about 15 percent efficient. ...
  In late July 2007 University of Delaware researchers Honsberg, 40, and Barnett, 67, set a world record for solar efficiency, converting 42.8% of the sun’s radiation into electricity with their prototype cell. That’s almost three times as efficient as commercial solar cells. "We think we can do 50%," says Barnett. He and Honsberg are working to build practical devices by 2010, with support from the U.S. military and an industrial group led by DuPont
  A major increase in daily petroleum output is deemed essential to meet U.S. and international oil requirements in 2020, and so we should expect recurring oil shortages and price increases. Only by expediting the diminishing our day-to-day consumption of petroleum and implementing of efficiency and renewable energy policy can we hope to reduce our exposure to costly oil-supply disruptions and lower the risk of economic strangulation.
  Quick Facts
   Energy is vital to every sector of the U.S. economy. As our economy grows, the demand for energy rises.

   Total energy consumption is projected to increase 35 percent by 2030.

   Energy-efficiency improvements have played a major role in meeting national energy needs since the 1970s, relative to new supply.
  ULTRACAPACITORS - But what if you could harness a technology that would enable you to drive 500 miles round-trip on a 5-minute charge?

  That’s the promise of U.S. Patent No. 7,033,406 which promises, maybe even threatens, to do away with the internal combustion engine, and the traditional car battery, all in one swoop.
  The patent is the property of Austin-based startup called EEStor, which touts "technologies for replacement of electrochemical batteries." In layman’s terms, that means you could use the EEStor technology to drive from Boston to Philly and back without a drop of gasoline.

  The Vertical Farm is a concept that seeks to address the major concerns of the environmental degradation of the modern city by composting, recycling waste and farming in a standard tenement building. The "ecological footprint" of the city will be lessened and therefore the city will become a more sustainable setting. The reduction of wastes and the production of foods for consumption will in turn increase the quality of life for all those within the city and its surrounding area. The reduction in transportation of both wastes and of food products and the use of abandoned buildings will directly increase the quality of the urban settling.
  Inverse Offshore Pump Accumulation station (IOPAC). The concept is a relative (and sort of the inverse) of onshore pumped storage hydroelectric facilities where water is pumped to high elevation ponds with surplus power, then released when needed for peak power demands on the grid.
  THE BATTLE FOR YOUR ELECTRIC BILL Private-equity buyout funds are targeting electric power companies in deals that generate massive debt, stop the building of better plants and jack up rates. They take the profits and stick consumers with the cost.
  In three detailed future scenarios, the SRA describes concrete outcomes of sustainable chemistry in health care, energy efficient housing and industrial bioprocesses.
  The energy-generating home scenario demonstrates how smart materials and energy management can, for instance, help reduce heat loss, improve energy efficiency and transform kinetic energy into electricity. These technologies will turn tomorrow’s home into an independent mini power plant capable of exceeding its own energy requirements.
  Personalized health care to meet the growing demands of an ageing society are another application of SusChem’s SRA. Using future nano and biotechnologies and materials, sustainable chemistry will help accelerate intervention using remote monitoring and intervention systems, improve diagnostics through advanced medical imaging techniques, and reduce the intrusiveness of the medical treatment overall.
  A Guide for the Survival of Humankind, and Improving the World, Society, and Yourself!
  Yet who can the world trust to be idealistic and moral enough to help all of humanity and the environment, and at the same time, be practical enough to make extremely difficult decisions that can and will harm a great deal of people?

  STEP INTO THE LIGHT – AND OUT TO THE WORLD.
  THE NEW DAWN OF SOLAR
  A California firm “Nanosolar of San Jose” says it is producing solar panels for 30 cents per watt. If true, then a power plant made from these solar panels should produce electricity cheaper than a coal plant.
  Nanosolar’s cells use no silicon, and the company’s manufacturing process allows it to create cells that are as efficient as most commercial cells for as little as 30 cents a watt. “You’re talking about printing rolls of the stuff—printing it on the roofs of 18-wheeler trailers, printing it on garages, printing it wherever you want it,” says Dan Kammen, founding director of the Renewable and Appropriate Energy Laboratory at the University of California at Berkeley. “It really is quite a big deal in terms of altering the way we think about solar and in inherently altering the economics of solar.”
  IBM Planning to Bring Solar Costs to $2 / W - Friday, 16 May 2008
  IBM) today announced a research breakthrough in photovoltaics technology that could significantly reduce the cost of harnessing the Sun’s power for electricity.
  By mimicking the antics of a child using a magnifying glass to burn a leaf or a camper to start a fire, IBM scientists are using a large lens to concentrate the Sun’s power, capturing a record 230 watts onto a centimeter square solar cell, in a technology known as concentrator photovoltaics, or CPV. That energy is then converted into 70 watts of usable electrical power, about five times the electrical power density generated by typical cells using CPV technology in solar farms.
  Energy Recovery Ventilators (ERV). ERV is the technology that completes an HVAC system. The "V" in HVAC can no longer be ignored and higher ventilation loads require a new design approach. Whether you are a home owner, business owner, building administrator or engineer, it is essential to realize the importance of indoor air quality (IAQ) and fresh air ventilation. It reduces the cooling load and saves energy.
  Jay Draiman, Energy Consultant
  Northridge, CA 91324
  Email: renewableenergy2@msn.com

  Posted on: 5/17//2008

  • 28 May 2008, 05:20, by jay draiman

    Water is the source of life - treasure it! R4.
    Water is the source of all life on earth. It touches every area of our lives. Without it, we could not thrive — we could not even survive.

    Sustainability – “We strive to meet the needs of the present generation without compromising the ability of future generations to meet their own needs”.
    We should discourage wastefulness and misuse, and promote efficiency and conservation.
    "Conservation is really the cheapest source of supply,"
    For the benefit of mankind, maintain the quality of life and preserve the peace and tranquility of world population. Water resources must be preserved - to sustain humanity. We must eliminate wasteful utilization of water, conserve our water sources and implement rigid conservation methods. We should utilize solar and or other source of renewable energy to operate desalinization projects from the oceans. Utilize renewable energy sources to purify and transport the water to its final destination. As world population increases the scarcity of water will become a cause for conflict, unless we take steps now to develop other sources of water for drinking, rainwater harvesting – storm-water and gray-water utilization. Designing of landscaping that uses minimal amount of water.
    "With power shortages and a water scarcity a constant threat across the West, it’s time to look at water and energy in a new way,"
    To preserve the future generations sustainability, we should look into urban farming – vertical farming. The term "urban farming" may conjure up a community garden where locals grow a few heads of lettuce. But some academics envision something quite different for the increasingly hungry world of the 21st century: a vertical farm that will do for agriculture what the skyscraper did for office space. Greenhouse giant: By stacking floors full of produce, a vertical farm could rake in $18 million a year.
    Jay Draiman, Energy and water conservation consultant
    May. 2, 2008
    PS.

    Hydro dynamics: forget oil. Sharing freshwater equitably poses political conundrums as explosive and far-reaching as global climate change.
    Quoted from other sources
    Anyone who has ever stood on a beach and looked out into the vast expanse of an ocean knows that there is a lot of water on this planet. In fact, 70 percent of the Earth’s surface is covered by water. It may seem like water is all around us, but safe, clean, reliable drinking water is not a cease¬less resource. The problems facing drinking water range from failing infrastructure, to climate change, to insufficient supplies.

    Personal Conservation
    Preserving our water resources is not a job for water industry professionals alone. We all have a vested interest in ensuring that water remains safe, af¬fordable and available. Therefore, each individual American has a responsibility to monitor and control their water use, There are many simple ways for people to reduce excess water use, lower water bills and protect the environment, espe¬cially in die spring and summer months, Beyond the standard constraints of watering the lawn only when neces¬sary and washing car wisely by using soap and a bucket of water, some steps include: draining water lines to outside faucets, disconnecting hoses, shutting off outdoor water sources during cold weather and running a small trickle of water on whiter nights to prevent pipe from freezing.
    Conclusion
    Water supply management is an issue that affects us all. It may not be apparent to every citizen today, but with climate change and population shifts transforming the United States, it soon will be. Effective solutions need to be put into place today before we are faced with a water crisis. A focus on careful planning, treatments, innova¬tions and conservation measures will help to create stability for long-term water management. Commitment to keeping water at the top of the list for communities and citizens will better prepare us for whatever the future of water holds.

    WATER!
    The indispensable source of life-without water there would be no industry, no agriculture and, most importantly of all, no life. In dry parts of the world this essential commodity is even more precious. Almost all human actions involve water from taking a shower to reading a newspaper to driving a car or simply eating a sandwich - almost everything we do or touch is somehow related to this precious treasure. We ask that you stop and think how you use water and what you can do to conserve this essential natural resource.
    *Water, beliefs and customs,
    *Water as a vehicle of the economy,
    *Water, source of art and life, irrigation and cultivation.
    The people have decided to act to try and develop a real awareness program on the theme of water preservation and distribution in an attempt to help maintain the original purity of rivers and streams.
    In many parts of the world water sources and wells are not equally distributed. Water as a source of life can also be at the source of conflict.
    Whether we live in India, Iceland or the Atlas… we have always tried to trap and tame water. Dams, pumps, canals, water treatment centers; there are so many different ways to exploit this resource that we often forget how fragile this unique and essential treasure actually is.
    Unfortunately, many of the things we do every day can harm our water. That’s why all people and government should be working with municipalities, farmers, business leaders and developers just like you to take action to protect our water and clean it up.
    Small changes can make a big difference. This guide outlines practical things we can all do to preserve and protect our water. We all need to be part of the solution.
    Concentrated Solar Power, which requires no solar panels at all. It works by concentrating sunlight onto a small pipe using cheap parabolic reflectors. The pipe contains a liquid that’s heated to very high temperatures by the sun and drives a steam boiler that rotates a turbine to generate electricity (much like nuclear power plants, but without the nuclear waste). It’s cheap, low-tech, and far more affordable than solar power. Plus, it can be built in practically any desert, so it doesn’t take up valuable land. As another bonus, when CSP operations are built near the ocean, they can desalinate ocean water as a side effect, providing fresh water for irrigation to grow food. This is the only renewable energy technology I know of that can produce cheap energy, fresh water and crop irrigation all at the same time. Plus, it has no emissions, no toxic chemicals, no nuclear waste and very little environmental impact..
    “You can’t escape the responsibility of tomorrow by evading it today” - Abraham Lincoln said it.
    “That man is richest whose pleasures are the cheapest” – Henry David Thoreau.
    “To waste, to destroy, our natural resources, to skin and exhaust the land instead of using it so as to increase its usefulness, will result in undermining in the days of our children the very prosperity which we ought by right to hand down to them amplified and developed” – Theodore Roosevelt.
    “When the ‘study of the household’ (ecology) and the ‘management of the household’ (economics) can be merged, and when ethics can be extended to include ‘environmental’ as well as human values, then we can be optimistic about the future of mankind. Accordingly, bringing together these three E’s is the ultimate holism and the great challenge for our future” – Eugene Odum.

  • 21 November 2010, 12:12, by Draiman for LA City Council

    YJ Draiman for LA City Council Statement
    In my humble opinion!
    The biggest problem I see is the Pensions it take a major portion of the City Budget and keeps on growing.
    This is a problem many Cities and States are facing. A solution has to be found.
    The second is the Unions they are no longer an asset to the public, but a hindrance in solving the budget crisis and very in-efficient in work performance and very costly.
    The Third item cut the City staff, reduce spending, eliminate redundancy, consolidate departments, increase efficiency, reward performance.
    The Fourth item the Mayor should appoint one neighborhood council member to each of the city’s boards of commissioners. Including the proprietary departments as well. Either through a charter amendment, ordinance or by policy directive.
    The Fifth item make the city more business friendly - to attract businesses, not chase them away and reduce revenues - this takes a multitude of actions.
    The Sixth item is to improve education, reduce the top heavy LAUSD administration. Make our schools an education icon, not a warehousing of students.
    People today are concerned about a roof over their head and a Job – This is top priority.
    I think this is good for starters. (There are many more items)
    Thank you
    YJ Draiman for Los Angeles City Council 2011

    PS. The key is for everyone to work together without any hidden agenda, the only concern should be the crises and the residents of the community. Everything must be above board and transparent.