Deed Of Trust Home Opportunity Program: Fill & Download for Free

This answer may contain sensitive images. Click on an image to unblur it.Few of the well-wisher on Quora has advised me on a few aspects and to avoid harassment or false implication; I have decided to quote a source to the information I have posted in my answer here. If you feel any information requires a further quote, let me know, and If I have no quote available and my premises of information is vague without question, i will remove such information.I married at the age of 28. I was Australia return. I returned to India as I couldn't live without the Indian social environment.I had a love marriage, had a great Business, and a substantial income.My wife deserted me at the age of 34 and without my consent took two kids, despite custody of two kids given to me. *(Clause No 3 and 6 Deed Of Divorce Mutual executed)I found her in a kind of relationship with someone that I was never aware of, so, I raised questions, and I couldn't resist her playing hide and seek with me on that. During my matrimonial life, I lent above half a million to her (Bank loans taken, Father sold his property-retirement fund to give money to generate interest) relatives and friends as she asked me for business purposes, and all of a sudden I had no way to recover money as smoothly as I could have in her presence, as she always handled-managed all transactions. I trusted her. Now, I couldn't find the scope of a phone conversation with her. *(Regarding Relationship, Deed Of divorce Mutually Executed and FIR No 48/2017, Surat Umra Police Station) + For Financial issues, monies lent to her friends and relatives and information are covered under phone records, WhatsApp, emails, bank statements. She has also given amount from her saving to the best of my knowledge)When I learned about all the shocking bitter things, I wanted her to accept it and move on with a friendly compromise way, as I have two kids.But, she wanted Divorce, and she kept saying it all the time on WhatsApp and Phone. I gave her what she wanted on mutually decided terms, but after the execution of a deed of Divorce *(28th June 2017), she retracted and refused other settlement and support in recovery. *(Phone conversation)She took two kids without my consent on 07/07/2017, whom I loved and I have been taking care of since their birth. In a formal agreement, she officially submitted kids custody to me under the oath and witness. *(Clause 3 and 6 for Child Custody in the Deed of divorce)Then she filed a false Complaint about Kidnapping and others. *(Phone Recording, MP High Court Order and Order of Session court, Indore) The Complaint was dismissed as she couldn't prove it. I have submitted all evidence to the police during my statement period. I have posted a few pieces of evidence and information to the concerned police department so far. *(24+ Letters with Evidence supplied to concerned police department through DTDC Post)Then one day she called and gave my kids under her new verbal terms, to which I agreed. As soon as I took kids, she filed a kidnapping complaint against me to force me to agree to more terms. She beat the shit out of me. How did she bring the kids in the first place from my home, after giving custody to me was never questioned by the media? That was never investigated by police in the beginning, however, following the high court ruling, they started investigating a case on a merit and fact basis*(MP High Court Order is, attached in this post)She alleged some ladies and one guy for abetting kidnapping with me, who were systematically organized to fabricate me in a false case. However, the High Court of MP made it clear that there was no offense of kidnapping made by me. Gujarat High Court also passed a protection order to protect my child and me against false cases and harm.Everything I created, earned, and made in life was at stake.I couldn't live without kids, my business, life, reputation, and atrocious questions of media and agony caused by police during the Investigation, it was terrible and affected me deep inside.But you know what?My children with me were a constant reason for me to keep walking with my head up, no matter what as long as I stood for truth and as I stood for truth, obstacles were obvious.Police dismissed all kidnapping charges/Refused to take a complaint and even denied that they could not take kids from me based on a settled agreement signed by the wife that says, Children's Custody is given to the father, and Gujarat High Court has given protection order to my daughters and me. *(Clause 3 and 6 of Deed of Divorce)Wife pursued District court Indore; her case was dismissed there too. *(Information given at the end of the answer)Wife filed an appeal before the high court, her case dismissed, and it is proved that all allegations were false and frivolous. *(Information given at the end of an answer)Gujarat high court directs police to provide free protection to my two daughters and me from their mother. *(Information presented at the end of response)As she lost all cases, she changed her stories and statement previously submitted to the police and put new allegations on me, such as; I have used a gun to have sexual intercourse with her. Changing a story to implicate someone is perjury, a crime. I wish my wife would know that; First, we Lie, then we lie to cover the previous lie then we feel like lie protected us, but in the end, Truth alone triumphs and Karma always chases us. *(Based on her statement in courts and Stories published in Newspaper with her and Police officer photos, a reasonable assumption made and the media said her application was a source for them)These all happened between 07/07/2017 to 07/10/2017. And it's on.Wife lost all cases however I filed a Complaint with Surat police on an evidence basis, and police have initiated action and, she made out new stories, and put new criminal charges on me that I used a gun to torture her and police took a bribe to help me. All those charges deemed to be dismissed follow by High court order. (Indore) it is just I don't and won't surrender to her atrocious terms, and now I don't have to.As under the Indian law, once a high court has ruled out, she can challenge it to the supreme court however she went back to police through media and stressed them to file a Kidnapping Complaint which is already dismissed by a high court.When I contacted the media, they gave an apology and changed the news. Few presses don't have contact information at all. They got "masala" so they posted at the cost of my right to live with dignity.I won all cases so far. (Except if she files new complaints, I will add it in Edits) (Over matrimonial issues, Lawyer and your enemies always win, but as a couple, family and kids, it is still like losing everything. Genuine atrocious matrimonial cases are exceptional) However, I can't stop thinking about my wife whom I loved. I always look for an option to save my family.Indian judiciary system never harassed me, and they delivered justice on a merit basis. But the judiciary is extremely technical, and sometimes it relies too much on its own decisions over evidence and that is where Injustice happens. Sometime.My wife officially given Custody of my children through a deed of divorce and lost (She voluntarily, consciously withdrawn her rights) all her mother rights since then, despite that she took my kids without my consent, for her hidden agenda (I can not disclose it since Law does not allow me and matter are under investigation) and I could have filed a complaint on that. However, I just thought to be a good human at that time. It had then came to my mind, how much more children are vulnerable to matrimonial and custody issues, and further, they are affected by media and judicial process. My complaint issues are much more severe than what i have mentioned here. However, I am not allowed to post any evidence and footage, and those are under investigation.Recently, on 11/10/2017 Surat Police Registered FIR against wife under section 504, 506 to threaten children, parents, and me. And Police also registered FIR against her paramour u/s 497 for extramarital affairs/Adultery. Then I came to know, If married women commit adultery, they can not be punished under the current law. However, only the person who engaged in an extramarital relationship is punished. *(FIR No 336/2017 for u/s 504, 506 and FIR No 48/2017 for u/s 497)I remember once a police officer told me; If the press/media pressurize them, they will file a 498a complaint against me, despite, I am innocent. How strange? Isn't it? I pursued a legal process, and I am fortunate enough, my rights were recognized and no false complaint filed against me. I thank the Gujarat High court for their Direction on protection against false accusation and harm to life to my children and me against my wife.How this incident has pushed me towards a new solution:I realized the child has a different right than adults.This episode gave me an understanding of children's vulnerability, and I started a program under NGO: Dear Cherry Kiwi | JivanamAsteya Cherry and Kiwi are my two daughters. It focuses on Child Rights, Protection, and their best interest including protecting children from domestic violence, child trafficking, sexual abuse.I started learning that families are breakings through misunderstandings, ego, and anger and the pieces of advice of a so-called well-wisher. I wanted to focus on the family, so I started another program here: Live More Family | JivanamAsteyaIn the interest of justice for the most vulnerable, with the support of a volunteer advocate, I boosted PROJECT KARNAV Project Karnav I File Online Complaint with NGO in India - monitoring and implementation of democracy, human rights, and governance. You can file civil, criminal, consumer, cybercrime complaint online. Besides you can file online rti, take action against false cases, government, police, politicians & more in India.To help a husband and their families i have set up one NGO program Live More Family | JivanamAsteya to bring them out of false matrimonial cases and to give the best fight and teach lessons to wrongdoers in collaboration with best local, High Court and Supreme Court Lawyer affiliation including investigators, retired police officers consultation and much more confidential strategies. The cost hence made affordably, and this also includes support for NRIs. So far husbands have been defensive against cases filed by the wife, but rather, we have developed a program to do the opposite in the best interest, to save time and cost. You can also register your case here: Live More Family | JivanamAsteyaKarnav With You: https://www.facebook.com/KarnavWithYou to build happiness, prosperity, and success in the life of individual, couple, group, and Entrepreneurs.I donated all my business/incomes to NGO I am part of, and now diverted full-time focus for a more significant cause. When you see more pain and worse stories, you feel safe, and you've got to do whatever it takes to change their stories.Parent NGO Link: JivanamAsteya - Government Registered NGO in Surat, India.I had two options.To accept and live with the consequences created by wife and cry all the time and beg people for compassion.To come out of whatever it may be for the welfare of my children and to help others come out of a similar situation and keep my mental health adequate and work for the more significant cause.When I help children, families, and people, it gives me immense mental happiness, and that boost my growth.Once I had a successful life, it changed all. But you know what? I say life is always a bitch, but I am not. And that is why I still feel successful because every circumstance that came in my life so far had hidden opportunity and cause for me to work on.Take AwayDon't get disappointed because people love hurting you. You should have your reasons to get frustrated.Anything that you read in print media and news has no legal values in the court of law. Live a transparent life, so you have nothing to hide from anyone, so when something broke out, it doesn't affect you, and no one can ever blackmail you.Your loved one may need one time statement, but no one needs an explanation.Find your cause, find what your life wanted to teach you, and do it. Don't go against that. Your answer to success lies in your situation. Find a mentor who can help you.Suicide is no solution. The solution lies in changing your attitude and thought process about your life. Why blame life, when you have enough control to change it.You are the boss of your success, life, ideas, and thought process. Don't be a slave to it. Once a person called a terrorist by the media is now Prime Minister of India. (Shree Narendra Modi)Wrong time will fade away. When you want to cry, do it. Take a break like a baby so you can cry and repent enough and start again as a hero to move forwards. When you have nothing to lose, what worst can happen?Don't let others decide what you are and what's your success looks like. You don't have to watch 3 Idiots to get inspired. Stories of people can open your mind and windows of opportunities or outlook towards life and situation; however, you get inspiration and motivation from within.Never lie. Hire the best mentor to prepare a defence strategy or to resolve your issues. Mentor generally never charge or take away minor fees. I received help from 8 lawyers including the lawyer of the High Court and Supreme court, who did not cost anything to me (o paid expenses in some matter), but they’d put faith in my case, evidence, and story and just helped me get out of the mud. Those lawyers are my hero, Lord Krishna kind and they want to do something to reform India, and they found their purpose in my struggle.No matter what, you should never hate your decisions and, revenge, anger, and ego lead you nowhere. Don't change your goal and focus because somebody else's wants you to do so.Don’t ever assume, what has happened to me, won’t happen to you. Everybody will face some challenges in their life when they make decisions. Only stories, characters, and situations will be different.There is no pain, no happiness, no north, no south or east or west. There are only two things. Inner and Outer. You can't control external things, but you can control internal things.Despite severe pain, I can see the light coming into my life. My Children are my energy and everything I need to live my life. I can't forget my wife but what I can do is that she will be in my good memories, and Justice will be served on a merit basis {(if she files a new complaint ;)}, but I don't think any more about it as that emotional bombs blast within my body when I think about t her. I have to work on a solution, based on the facts of my present life.All things and episodes have now put me back on steady life, fruitful and progressive path. I am working hard to make myself, mentally fit too. You need your body and mind fit for any hardship.A few months ago, I answered on Quora; I feel so proud to have a wife like her. And I am not going to change that answer because what she did to me can't change my original feeling to her.After all of this, I am unable to hate her as I can't erase the memories and affection I have developed for her, however, the more you respond emotionally to a person who wants you to go hell for personal gain, you need a mentor who can control your emotions. I want to cry a hell out of me; I am weak when I become emotional. *(Based on the fact she filed a kidnapping complaint before a high court of MP and it was disposed of)I believe children need both parents. I might be helpless but not hopeless.Putting the child’s interests above all, I am now awaiting what they would police do next and what happens next? (EDIT: Gujarat high court has passed another order directing Police to provide protection to minor children and to ensure no harm occurs to them. My children and I receive full support from Indore and Surat Police, in the best interest of justice. Gujarat HC also passed FIR direction against Police Inspector, and further proceedings are now undertaken in the matter.)If you are In pain, have a Complaint, or have any trouble, get in touch with me at [email protected] since the police has intervened and initiated legal Investigation, I am getting money recovered bit by bit. I am not sure if anything changes in the future.One of her friends is genuine and stood up for what is right, and he is against Divorce, and he never defaulted so far. I admire him for his honesty.I don't hate my wife, and I don't know why, but just the emotional bond, I made with her, just saying to me again and again, even if she wants to see me in hell, I wish to see her in my life.In response to newspaper stories published by Dainik Bhaskar, they have also posted a story against me, then they revised the story, and All I can say is that, including Dainikbhaskar, with other media organ, I am not happy with the story without verification, photos of wife, mine or children to be posted without consent. At Least i was able to convince Dainik Bhaskar Group, Surat to blur pictures of wife and children. They didn’t spare me though.मेरे किसी से शारीरिक संबंध हैं, पति को घर में बंद कर पत्नी फरारपत्नी बोली पुलिस से मिलकर पति ने किया बेटियों का किडनैप, पति ने बताई चौंकाने वाला बातAfter I shared FIR registered in Surat and Gujarat and MP to Dainikbhaskar regarding Gun and Sexual allegation, coverage, They have revised their article again. However, I am still not contented with their photo things and using a few names that unverified.दो धाराओं में दर्ज हुआ लड़की पर केस,पति पर लगाए थे ये आरोप (if they had verified news earlier, they could have posted one neutral story. What they posted, was taken by other leading media too.)And press news is never reliable. That the same newspaper has published two different stories And one is right, and another should be wrong. I blame it on media who want more circulations, and they care less about the individual’s rights.I have a phone recording with the leading media organization who tried to say in the first place; they were under the impression that women are always right, so they published a story without verification. It is just, my lawyer who does not want me to a public that recording for apparent reasons.The fake stories posted by Dainikbhaskar is here: ‘My Husband Used A Gun To Have Sex With Me’; Indore Woman Reveals About The IT Expert She Married In 2012Why this is a fake story because MP high court has ruled it out that said allegations are bogus. (means daughter are not in illegal detention of father hence no kidnapping charges are attracted) I am attaching that order here, which was not disclosed to the media and police.However, I am ready to talk with any media person on an evidence basis. The first page is the wife's submission to the high court followed by a court order. When I got a certified copy, I got all these three pages. She never used GUN word anywhere to the high court, a lower court in the first place, and all of a sudden her storyline changed.You will also see more orders as you scroll down.In response to manipulated CCTV of 15/07/2017, here is the footage of 07/07/2017 where my parents and I was locked in a room and my wife without consent, all of a sudden took the kids. And this happened in the first place: Shweta Shah Indore CCTV Video Footage - YouTube By this time, I already received legal Custody of kids through a mutually signed deed of divorce that we signed, and that means taking them without my consent can be kidnapping. However, it was none of my interest to file any Complaint at that time. The media was never interested in verifying my facts, and they are a business organization, and they need a story that sells, so police, sex, fantasies since those are most selling digital news. However, the media has brought the facts now. However, I believe media should never post a story merely at face value, either it is from the complainant or accused, however, they should verify it. The press has a right to freedom, but that comes with restriction, so others do enjoy their rights.Gujarat High Court has passed an order for police protection to me and my kids against the wife for false Complaints and physical threats. In the MP high court copy, it is also referred to by court order.I have much more to say but all that is under investigation and Quora is a platform to share knowledge, etc., and through my stories, I have shared stories backing with relevant evidence.Thanks to Quora to repost my answer after verification, based on the merit of the solution.Sign the Petition to help me protect and restore the rights of my two daughters. Click Here via Change. org (The petition is won, and police registered a case.)A person calls himself Binoy Shah who has been referred first by my wife’s friend on WhatsApp, has raised questions to me in the comments section, who says he didn't know his wife but based on the depth of his problems, I have informed he is wife’s friend. However, then I read about him in the news here: दो धाराओं में दर्ज हुआ लड़की पर केस,पति पर लगाए थे ये आरोप , where he has been called his brother. To my surprise, during my marital life, I never met him not his wife introduced to him. That when i asked a newspaper person, he said he introduced himself as an elder brother and made a statement of a deed signed in the name of business agreement. It’s all confusing. Brother, Elder Brother, Cousin, and Far Far Away Cousins, that all are a different thing. However, I have expressed my views and a few severe concern to him over Quora.Regarding money Related an FIR is registered, I found news published on it here by Times of India Man alleges cheating by wife of Rs 61 lakh in Surat - Times of India, however, I have some dissatisfactions, how media report stories, but I can't control them, as they depend on their source.References/Quotes: (I am not able to post few documents, you can explore it on the Indore or Gujarat Court website or obtain FIR through RTI) (I have no intention to hurt anyone and One of my American friends said, Positive Energy will help me survive from everything wrong)Deed of Divorce Executed on 28/06/2017 (Including Custody Settlement)Complaint u/s 294, 323, 506, 366 and Search Warrant Dismissed by Session Court Indore, Registration Number: 3595/2017Private Complaint against me (Should be dismissed followed by High Court MP Order) u/s 361, 294, 323, 506, 363, Registration Number 3595/2017 (It seems the duplicate case)Free Police Protection Order from Gujarat High Court to Children and Me, SCA 3595/2017Claim Disposed of by High court of MP, MCRC/8048/2017FIR against Wife u/s 504, 506, Fir No. 336/2017Adultery FIR against wife’s Paramour u/s 497, FIR No. 48/2017My wife has filed a DV case against my father and me under section 12 of the Domestic violence Act. (Supreme Coury has Stayed this case)Update: Indore Police in its recent report of 21 pages revealed how 61 Lakh rupees in a conspiracy manner taken from me by 13 people and so force me to withdraw the complaint and forget money, numerous 27+ false police complaint, and 10+ court complaint being filed against me in MP and Gujarat, however, police on merit disposed of. (5/3/2018)Indore district court disposed of the charge of kidnapping against me and other false sections.Gujarat High Court considering an increased threat to my daughter's passed second-time protection order in the interest of my daughters.In the Domestic Violence case, the court in Indore didn't grant custody of my daughters and visitation to my wife. I was not aware that she filed such a lawsuit and the court didn't allow her prayers. I however believe, my child deserves the love of a mother like any other child. The feeling I have been going through is mix and weird, as i only see and feel the views of my children.Wife filed appeal u/s 29 of DV for child custody and visitation rights, but the court denied and her petition disposed of as rejected.More than 60+ complaint filed in Indore, Surat, Patan, and Vadodara against my family friends and me to harass to extort money, forcing me to surrender their demands, however, Following Two Gujarat High Court protection order and no merit in complaint police disposed of her Complaint, moreover, Indore police submitted in their report that she and her friend's intentions were criminal and to harass me, a false complaint is being filed. Few complaints are closed by police without pursuing by law enforcement due to repeat Complaint, and few Complaint is non-traceable, as stated by Police.Since police, court, and other options failed, they started an attack on me; even one was made in the presence of my daughter Cherry. Despite the High Court order, the police failed to protect us. However, police registered an immediate FIR against the culprits.As apparently false complaint u/s 125 and DV filed against me and family member in other states. The honorable Supreme Court of India passed a stay order on all her court cases in Indore. (Edit/Update: matter are now being fought) That has been great relief and Justice to my minor daughters and parents, as I can now focus on them better than going here and there — the decision made by the three-judge bench in Supreme Court. It was a threat to my daughters and me to go Indore from Surat, which the supreme court of India has recognized.Surat police have revealed in RTI that she has filed 12+ Complaint against me, my family members, and even HDFC bank and their manager, and the complaint found frivolous. They already released information that she files a complaint, and a person named Binoy Shah does all the rest of things and they want by one or another chance FIR to be registered against me, however, police have registered an FIR considering no offenses ever committed by me. I have also presented 25+ false cases filed and disposed against me from many locations from India to Honorable MP High Court, and the court has pleased to issue a notice to 6+ high-rank police officers and department including wife, and the matter is pending adjudication. This is the big relief from MP High Court, followed by the Supreme Court of India, who stayed frevilous maintenance and domestic violence Complaint against me and family members.After all of these things she has caused to me, my children, and my family, now she has filed RCR (2019, Family Court, Surat) petition in family court and prayed that she wishes to return with me.I have numerous judgments involved in my case, however, if anyone looking for a specific petition or judgment or order in any of the above matter, please reach out to me, I would be happy to share necessary documentation. Due to space limits, I refrain from adding all documents. (Its 3000+ pages and electronic evidence)Gujarat High Court Passed Order to Register FIR against Police officer and others if the cognizable offense is found against me, and the same matter is taken further through court, along with another complaint against CID for vindictive investigation and harassment against me. Copy of the orders is below.Honorable Gujarat High Court please provide further police protection to my minor daughters, after some police began harassment, and political influence came in place. The order is below:The second police protection above came after the violation apprehension expressed on earlier police protection order given by the honorable Gujarat high court. Despite the police protection order given by the court, the same was allegedly violated by the respective police authority, for which the matter is escalated. Refer first police protection order below;Precisely police were supposed to protect me and my daughters, and the same orders were given by the honorable Gujarat high court. however, due to increasing power and influence, I was being harassed by the police itself. hence, the honorable Gujarat high court passed second police protection orders, and directions to the commission of police to ensure no untoward incident happened with my daughters. Both the orders are shared above for reference. I am more than grateful to lawyers who have been great protectors of my daughters in these events.The primary reason that I have provided more details and insights into my case is to advocate the rights of fathers, Right and Best Interest of children and to support those families and victims who are being blackmailed, defamed using negative digital marketing, media contacts, and whose lives are made like hell by culprits. The matrimonial disputes can always be managed through counseling, but when anger, revenge, and getting things done through abuse types of act prevails, the issue becomes serious. I can only feel political and famine pressure on the judiciary, despite that, they are working best in the interest of equal justice.It all started in 2016–17, now we are in 2019, I thought to share a few photos with cherry and kiwi.With GrandfatherWith GrandmotherWith Best Friend, Motherly Carer and LoverGod Bless all the children.I now run NGO, to help those who need me most, and to put sincere efforts to change or better their life, rather than let someone destroying it. I decided to Participate in the RECOGNITION, PROTECTION, PROMOTION, ADVOCACY, ENFORCEMENT and REGULATION of Rights of citizen regardless of sex, race, religion, gender. There is nothing peaceful than helping another being.Live More Family | JivanamAsteya (thanks to a lawyer for helping on an honorarium basis, and donors) India’s only unbiased, and gender equality NGO monitor and act to prevent domestic violence and injustice to women, and prevent false, fakes cases against men, women, and family members. Moreover, it addresses child custody, maintenance, Counseling and, critical matrimonial issues.Dear Cherry Kiwi | JivanamAsteya: Putting Child Rights, Welfare & Best Interests on the top priorities, Protection children from domestic violence, abuse, and parental Alienation. Helping Juveniles, conflict with the law, and addressing issues such as child labour, child trafficking, child prostitution & pornography, and promoting child awareness and education.Project Karnav I File Online Complaint with NGO in India to help consumer citizen to redress their serious grievances, including filings of FIR, Cybercrime complaint, and complaint against government, police, and much more.My life and work are now dedicated to my cause. To learn more about the various projects of NGO I run visit JivanamAsteya - Government Registered NGO in Surat, India.

The concept of equity participation is nothing new in homeownership. Parents and friends have co-invested in real estate forever. One common model has one party occupying the property and paying the bills, and the other sharing in the appreciation upon sale, with unlimited variations on this theme. The simplest model is as “tenants in common”, with each party owning a share of the property. It takes very little to formalize such a relationship. Simply record the deed to the property with the percentage allocation to each party.I first noticed this concept being pitched as a product in the 2000’s, most notably by Unison. They offer a variety of programs to help you with a down payment, repay debt, or finance improvements. Other players I’ve come across include PatchHomes and HomeTap. In exchange for the capital offered, you typically make no payments and pay no interest, and instead, they make money by sharing in the future appreciation of your property.I believe that rather than actually own a piece of your home as a tenant in common, most of these companies instead use a shared appreciation deed of trust or mortgage. Essentially these are just like any other mortgage except with regards to the terms of repayment. The benefit to the companies is that a mortgage typically provides easier remedies for failure to perform than a tenant in common or other true share ownership approach. For example, if the primary owner fails to pay their other mortgages or property taxes the equity participant can now foreclose, in many states without having to go through the courts - as opposed to having to file a lawsuit like a partition action to force repayment or sale.These products are interesting and innovative and may open homeownership to more people - especially with regard to down payment assistance programs. That said, I don’t personally think they will be good for homeownership over the long run. The focus we put on appreciation is fundamentally at odds with most people ever having the opportunity to live the “American Dream” and own a home. In the end, to the degree that appreciation outpaces inflation, and especially wage inflation, appreciation leads to lower affordability. Products like these exacerbate that problem, both by allowing people to buy a property they otherwise couldn’t afford (pushing prices up) and by creating market pressure for higher prices as it is the only way these pay off.

Hackers have a code of honor - not their programs. The knowledge of the geeks condensed into hacker tools can equally promote awareness about security issues and cause a lot of damage in unscrupulous hands. Depending on the circumstances, the dissemination of such programs may also be criminally relevant.They're easy to find on the Internet: password cracking and denial-of-service attacks, commercial software serial numbers, virus construction kits, and more. Two years ago, a Swiss hacker group issued a CD-ROM containing a comprehensive compilation of such hacking tools - recently, the Oldenburg-based Utech publishing house has been intensively promoting its 'data protection CD'.From a criminal point of view, however, caution is required when dealing with such programs. Legislators have already criminalized data modification and computer sabotage over twenty years ago. The relevant standards of the Criminal Code § 303 a and § 303 b StGB threaten such acts with imprisonment.It is all the more astonishing when now brimming CD-ROMs are offered with various tools and are also called `Hacker's best friend'. Even if the subtitle (already in much smaller font size) called the compilation as 'an elementary tool for data protection', one wonders what the actual intention of the provider is. In the booklet you will find in the extensive list of contents among others:a program that 'tries to hack Unix passwords' or one thatwith the 'limited time trial versions can continue to be used', moreover'various hacking programs' and also'a very user-friendly WinNuke program: just enter IP number of the' victim ', and it will be shot down'.Even before networks, the 'data protection CD' does not stop there: 'A simple brute-force password cracker for Novell systems' and a `menu-driven brute force program. Cracking Netware login passwords with `raw violence'! 'Serve the interested user with questionable adventures. It should not be concealed that there are also various programs whose preaching makes clear intentions clear; this software naturally requires no legal consideration.An evaluation from a criminal point of view appears - as so often - as a question of perspective. Of course, if I sell a knife in a household goods store, I do not blame myself for inciting or aiding in the murder if the shopping wife subsequently slashes her husband with this knife. However, if I sell this knife with the knowledge of such a deed or knowingly assign it to a de facto person, the limit of punishable aid is exceeded.balancing actIn criminal law, the justification of an aid in such transactions of daily life is controversial and is treated in the dogmatic pretty stepmotherly. On the one hand, it is agreed that behavior which is neutral in itself and which leads to a punishable act should then be covered by the principle of trust if the acting assistant has no certain knowledge of a planned act. But this finds its limit when he can no longer seriously rely on the absence of such an act. On the other hand, the Federal Supreme Court (BGH) has also stated that the assistant does not need to have reliable knowledge of when, where, to whom and how the main offense is carried out. The BGH has further clarifiedNow there is no settled opinion on where to actually draw the line on this tightrope walk. It would probably be necessary to adopt an aid budget in cases where there is an overwhelming likelihood that the thing sold neutrally will be misused. So the one who sells a thing and may trust in their sale that most buyers plan a legal use, ultimately remains impunity. However, if someone sells tools that can be used for unlawful acts and there is a high probability that these tools are used for unlawful purposes, then there is a punitive state aid. This also applies if these tools are given away for free, such as on homepages or in mailboxes.An assessment of this overwhelming probability will probably also have to be based on how the adulation of the tool is done and how strongly by the striking highlighting of certain characteristics a concrete risk of abuse is obvious or obvious. Depending on the design of this praise trust in the legitimate use of the tool can completely disappear.From the point of view of criminal law, however, such an aid is only granted when a main offense has been committed, since there is no aid without a major act. A punishment of the assistant can take place only if a main culprit is caught in the unlawful use of such tools. So manipulates a 'young hacker' foreign data or sabotages computer equipment and he uses it while such tool collections, the prosecutor can also additionally charge the provider of these tools for aiding and abetting the crime.Actually hackers are impunity and actually they are not. In fact, there is no criminal code that punishes the hacking itself. In the discussions about the 2nd Law on Combating Economic Crime (WiKG) from 1986, the legislature has even expressly pointed out that this 'gap' quite noticed, but saw no need for action. Criminal law is ultima ratio and does not have to punish every action.Punitive hackingPractically, a hacker but in most cases still punishable: Punishment is namely only the pure intrusion into the system. If this data manipulated, or gives the intruder specially secured data - and this will make a hacker as a rule -, so comes criminal liability under § 202 a StGB or § 303 a StGB into consideration. At this point, it should not be concealed that in the past hackers have often discovered massive security holes and have contributed by their actions to close these gaps. In legal terms, however, this is no justification for punishable acts. However, given the benefits of some harmless hacking, the prosecution has the power to stop such proceedings.Even if the provider of hacking tools distanced itself from the illegal use or even explicitly warns against such acts, as often happens on web pages, this does not lead to impunity of the actor: Already the imperial court has found: `and just as little .. In., he can escape criminal liability for his assistance by declaring that he disapproves of the undertakings he has assisted with and that he alone gives the principal perpetrator all responsibility (RG St 56, 169, 170).The Higher Regional Court (OLG) Stuttgart followed this line years later by writing: `The will of the assistant is not excluded by the fact that he may even disapprove of the crime at the bottom of his heart '(OLG Stuttgart, NJW 1950, 118). These decisions also seem appropriate: it can not be that a responsibility is dropped just because you verbally disapprove of the crime, but actually promotes it anyway. Finally, the manslayer will be punished if he tells the victim, just before he pulls the revolver off, that he does not really want it.sales banAt the beginning of February this year, the LG Frankfurt had to decide whether it was anticompetitive to distribute the 'Cards' program, which can read, copy and manipulate magnetic stripe cards. The LG Frankfurt has confirmed an injunction of late 1997 and rejected the opposition of the company concerned. The Appellate Court will now have to finally decide on the application for a residence.Although this judgment was primarily concerned only with competition law issues, the court nevertheless did not mention criminal charges. It has shown that, with this program, the selling company provides the technical means to commit computer fraud and similar offenses and finds that this constitutes a criminal penalty. This decision also recognizes the statements with which the respective product is advertised. Whether the result is basically transferable to all comparable programs seems to me questionable. In the light of what has been said above, consideration must also be given to whether there is a neutral act of sale and how probable that such a program should serve illegal purposes.Magnetic cards are used for a variety of purposes nowadays, so it does not appear to be objectionable that programs and hardware are available on the market that can read and write magnetic stripes. Rather, it is time for companies that justifiably want to protect themselves against abuse to resort to a technology that is safe from manipulation. Fortunately, no one years ago came up with the idea to develop access authorization by reading diskette data, otherwise you would not be able to offer and use floppy disk drives with consistent application of such a restrictive case law today. In view of the universal usability of magnetic and chip cards, it is surprising that read / write devices and software have not spread yet.ConclusionWhether the distribution of hacking tools and similar aids is morally defensible, given the inherent threats to the security of all our data, everyone may decide for themselves. It should not be forgotten in all criticism that security officers through the analysis and use of such tools also have the opportunity to specifically examine vulnerabilities and close. The pressure on companies also helps in the future to program from the outset more secure when tools are on the market after a short time, reveal the holes and thus damage the image.However, one should always keep in mind that there is a lot of criminal energy and such software is an excellent toy for misappropriation. From a criminal point of view, it is not possible to give clear warning about the abusive use of such programs, since criminal liability for data modification or even computer sabotage can be considered very quickly. So if you want to try these programs, then always on the home computer, on the spreading of harmful effects on foreign computers is safe to exclude. Network tools must therefore ultimately remain untouched, since always foreign computers can be affected.The providers of such programs may well be liable to prosecution. Here, a thorough case analysis is required, which incorporates the actual circumstances of the offer and the presentation of the individual tools into the evaluation. Such analysis must be reserved for individual law enforcement agencies.