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BEIJING, Feb. 24 (Xinhuanet) -- The Somali-based Islamist group al-Shabaab released a video Saturday Jim Kelly Womens Jersey , threatening to attack shopping centers in the US, Canada and the UK. The video names potential targets, including one of the largest malls in the US.

On the video released by al-Shabaab - they celebrate their attack on the Westgate Shopping Mall in Nairobi, Kenya in 2013 which killed more than 60 people.

The video then calls for attacks on shopping centers in the US Nathan Peterman Womens Jersey , France, Canada and the UK - The world's biggest, the Mall of America in Minnesota, is highlighted in the video.

Security has been stepped up at the mall and several others mentioned including this one in Paris. Authorities maintain there is no specific or credible threat but they are urging vigilance.

""I'm not telling people to not go to the mall. I think there needs to be an awareness John Miller Womens Jersey , there needs to be vigilance and you know, be careful, obviously,"" US Homeland Security Chief Jeh Johnson said.

Shoppers at the Mall of America seemed to shrug off the threat.

It's uncertain what effect this video will have. It is targeting potential lone wolfs who are not part of al-Shabaab's Somali network but sympathizers- potential radicals in the US Shaq Lawson Womens Jersey , UK, Canada and France.

The threat to the mall of America may not be a coincidence. It is based in Minnesota which has the largest concentration of ethnic Somalis in the United States. One in three of those live in US live in Minnesota. Some young people have already been recruited by Al-Shabaab and have travelled to Somalia and Kenya.

(Source: CNTV)

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There are various ways where in mis-sold mortgages practice could happen. For instance, a self employed applicant was advised for self certification application for their loan and this is may not be right. If the mortgage broker or lender manipulates their customers to declare an higher monthly earnings, this is classified as one of the mis-sold mortgages practice.

After giving all the personal data Dion Dawkins Womens Jersey , broker should show a selection of products that suits the applicants circumstances and requires, unless it was clearly mentioned that only one was offered. The right information of the clients must be filed in a fact find record for future references of both parties. All the clients?documents needs to be retained by the mortgage broker, if not this is categorized as mis-sold mortgages practice and an obvious breach of Mortgage Conduct of Business Rules.

The most frequent area of mis-sold mortgages is when you are asked to generate a self certification of the mortgage application but was jobless during the period of the application. These are known as self certified mortgages and are recently been banned by the FSA because a lot of mortgage brokers and lenders took advantage of this kind of mortgage application.

In case a client was offered interest only mortgage beyond their retirement age without looking at the future consequences of repayment, then this is another issue of mis-sold mortgages practice. The mortgage brokers and lenders need to look after the welfare of their clients and not after the commission (for the brokers) and profit (for the lender) that they’ll get from a mortgage product. They must make sure that the master plan and advice they offer for their customers are the most suitable for them and the most affordable so they can avoid mis-sold mortgages issues.

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