Economic Survival Guide.278110126

US Economic Survival Guide
Welcome to the Official US Economic Crisis Survival Guide.
Introduction
We hope that you will find the guide educational, helpful, and entertaining, money saving, inspiring, and provocative. We have reached a crisis point within our country, surrounding its leaders, and its monetary system. We are on the brink of total collapse and economic chaos if we do not, as Americans, begin to educate ourselves as to what has been happening to lead us to the point we are at today. It matters not if you are Democrat or Republican or any other party, as He who controls the money, it matters not who makes the laws. We fought the British in the Revolutionary War to gain our Independence from the British Central Banks and
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yet here we are in a battle once again, against a force that has been incrementally putting in place legislation in our country to transfer the wealth and gain our property and assets. So far it has worked exactly as planned. The banks lobbyists have corrupted our politicians and taken over Congress. Top financial advisors to the White House are former Goldman Sachs CEOs. Goldman Sachs was one of the culprits in the mortgage back securities scam. I could go on and on but let the story unfold slowly. To make the most of the guide, start with the government sponsored so called help. It wont help you, but it is important to see the hypocrisy when you read further and discover the truth. Then these programs really stand out as the shams and fake help they are. I tried every one of these programs and got no help. It wasnt until I began researching how I could have possibly gone from having a Net Worth of close to a million dollars in cash and equity to not only losing everything but owing about $600,000.00 dollars in a space of less than 1 year? I owned real estate for Gods sake! I chose the safe boring conservative investment, because I didnt trust the fluctuations of the Stock Market! Id already lost money in that, during the dot com years. So WTH happened? Now I was unemployed and a certified Paralegal, so I put my skills to work and began researching, researching and more researching. What I found alarmed me to the point I began writing letters, writing to anyone that I thought might listen. Congressman, to Representatives, to President Obama and Oprah! To CNN to Bill Mahr! Ive written to my states Dept. of Business and Industry (the director and the fraud division), the State Attorney General, as well as began posting comments on news stories I would find on-line. I started blogging and collaborating information with people all over the country and next thing you know I had formed a real network of people that were just like me. I didnt get a subprime mortgage. I put 20% down, 30 year fixed rate, poured additional monies into my house, paid property taxes and insurance, payments for 8 years! Its all gone and then some. It will take at least 10 years to get back to just 0% Equity, just to not be underwater! Thats called being a slave to a house. The point is, I did not act foolishly with my money. If you got a subprime mortgage you were smarter than me, at least you didnt lose the down payment like many of us did. It was not the subprime borrowers fault nearly as much as the banks that knew what they were doing. Who wouldnt want a house for no money down? I mean really?? I saved for 20 years to be in the position to buy with 20% down that was wiped out by the fraud perpetrated on us. Both the borrower and the investor. The investor thought they were buying asset backed securities and the borrowers thought they were getting loans. In reality, the investors were sold blue sky a promise to pay they were investing in us but without disclosure of that risk or that the asset was based on air. The Borrowers were made a part of a Security in fact THE BIGGEST PART, as it was our Promise to pay that was sold to the investor! Our promissory Notes were the key element to the Security and yet we were not told, it was hidden in fact behind a wall called MERS so we could no longer see who we owed the money to? And we should have been getting prospectuses not loan docs! Borrowers were never loaned anything. The pretender lender may have brokered a deal via the holding
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banks they were in bed with that were trading on the Stock Market. But we never got a loan. We should have been told, hey were trying to put together this deal to sell your promise to pay and, you will make X amount for every share sold. NO we got screwed! Maybe if we had a stake in the deal as we should have, then we would be making our payments! Hello somebody! We have no jobs, we have no income, we cant pay for the so called asset that the based value was based on the air being sold to the investors that in turn caused the appraisals to sky rocket!! The more investors clamored for these falsely stamped AAA securities the higher the value climbed on the asset supposedly securing the Notes. We, our promise or I.O.U. were made a part of fraudulent Securities, hid behind a corporate veil called MERS and a lot of people made a lot of money from, and we didnt get anything, not even the house! Well, we should get the house! (Some people are getting them free and clear as it they deserve! Read on to learn how) The MERS system is set up to defraud the borrower when it comes time to Foreclose as the banks are relying on fraudulent created documentation to proceed with foreclosures (and in most cases get away with it) because they got greedy. They wanted to pass the Note around like a whisky bottle at a frat party. This could have all been avoided and we need to and should be MAD AS HELL!! We think here should be punitive damages too and some people need to go to jail, for they damaged, knowingly and intentionally both the borrower and investor. After all the borrower was also making an investment. The homeowner/borrower has been sold on Its the biggest best investment an American can make in their lifetime! Financial advisors told us that it is a way to use the banks money to create wealth! Realtors said its a safe long term investment. I could go on and on but I want you to get to the truth. You can use the Table of Contents to skip to each section without scrolling. I suggest going in the order so that the story unfolds. Prepare to wake up from the Matrix. -Lynn Chase Founder of the Economic Survival Guide Center

Table of Contents (click on the link for section you wish to view it will jump to that section) 1. Government Sponsored Programs to supposedly Save Your Home From Foreclosure. 2. Past the BS What is MERS? 3. Calculators 4. Economics 5. Foreclosure defense 6. Glossaries 7. Blogs and Blurbs 8. Waking up to discover mortgage business was one giant criminal enterprise 9. Credit Default Swaps 101 10. Guide to Looking up public records 11. Indy Mac Notice of Sale Problem 12. Video Section- Why and How did this happen? 13. Money As Debt 14. Who Killed Glass-Steagall? 15. Bankruptcy Reform and Consumer Protection Act of 2005 16. I Am An Attorney So I Sued My Lender 17. More About MERS 18. Bogus Assignments 19. Floridas proposed fake Consumer Protection Act 20. Foreclosure Fraud Links 21. Foreclosure Fraud Resources 22. Foreclosure Fraud on Twitter 23. Letter from Congress to Fannie Mae 24. Letter to The State Dept. of Business and Industry 25. Are You Mad Yet? 26. You are Owned By The House of Rothschild 27. How Much Are You Worth? 28. Supreme Court Cases argued and decided Book 20 29. The History of Money
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30. US Financial Information and SO MUCH MORE MUST SEE LINK 31. Welcome to The United States of Austerity 32. Trailer to new film Inside Job coming soon 33. Who Owns The Media? 34. Survival for the Unemployed 35.Tips to lower your spend & increase cash flow 36. 10 ways to survive without a bailout! 37. Coupons Are Like Cash 38. Free Stuff 39. Misc. links to more blogs and posts re: Banks Fraud on Americans
SAVE YOUR HOME FROM FORECLOSURE

(Economic Survival Guide Center is not responsible for submitted content and does not provide legal advice. Please consult with a licensed attorney well-educated in the area of Mortgage Servicing Fraud.)
We have gathered websites and contacts in one place to assist you if you are one of the many unfortunate homeowners facing foreclosure or are upside down in your mortgages. Learn the truth about the banking industry and lending practices and what you can do to legally protect your home. This is not to take the place of consulting with an attorney which we recommend. However hiring an attorney is no excuse not to learn about the mortgage products and to educate yourself enough to know what questions to ask once you decide to take matters into your own hands and mind you own business. No one cares about your situation more than you do. Dont simply rely on others to do the work for you. You need to be educated in order to determine if you are getting a fair shake or being ripped off blind. If you take nothing else from this guide, take that one piece of advice and apply it to everything! Your healthcare, your finances, your taxes, your relationships, your happiness, your life!
We will begin with Traditional & Gov. sponsored Save Your Home Resources: (Editorial Note: I had zero success with any of these and I tried them all. So if you dont want to bother simply skip past these to where the juicy information is) Here is the usual help offered to consumers. Might be worth a try but it reads as if the banks are actually trying to work with the homeowners to modify the loans which they do not appear to be doing. Some of the suggestions below include: Be prepared to change your spending habits. So you should suffer and do without basic necessities so that you can make a mortgage payment on a house that is so upside down it will take 10 years to get back to 0% equity and by the time (if ever) it gets to where you have some equity the dollar will

have lost so much value it wont be worth the paper it is printed on! We include this only as a way to educate you on the help (fake help) that the government has set up. The Federal Housing Administration, part of the U.S. Department of Housing and Urban Development, offers educational resources for borrowers about how to avoid foreclosure. http://portal.hud.gov/portal/page?_pageid=73,1&_dad=portal&_schema=PORTAL Online Foreclosure Prevention Resource Center 12 Things You Should Know When You Call Your Lender
1. Contact your servicer immediately if you are unable to make your mortgage payments. (Your servicer is the company that sends you statements and the people you make your payments to.) Even if you are already delinquent or in foreclosure, your servicer may be able to help you with a solution. Dont delay. 2. Ask your servicer about alternatives to foreclosure, including repayment plans, postponements of regular payments (called a forbearance), and other "work-out" options. Visit our Glossary of Foreclosure Terms for more information on these terms. Remember: Work-out options are tailored to fit your individual situation, but you must qualify for 2. the plan being considered. 3. Provide any information requested by your servicer quickly to avoid further foreclosure action dont wait until the last minute. Servicers must evaluate each borrowers circumstances on a case-by-case basis and go through an approval process to arrange work-out plans. This can take time, so its important you act immediately to be in touch and promptly provide any information the servicer requests. 4. Be prepared to provide detailed financial information to assist your servicer in qualifying you for a potential work-out option. Be honest about your circumstances and personal finances it will help lead to the work-out option that best fits your situation. 5. Be ready to change your spending habits. By creating a workable budget and understanding where your money is going, you are more likely to be successful in a work-out plan. 6. If you need additional assistance or are uncomfortable calling your servicer, request financial counseling from a reputable third party first. For the U.S. Department of Housing and Urban Developments (HUD) list of approved counselors call (800) 569-4287. For free counseling from NeighborWorks America and the Homeownership Preservation Foundation, call (888) 995-HOPE or visit http://995hope.org/. 7. Be sure you open all mail from your servicer or your servicers law firm and return calls promptly. Failure to respond quickly may result in further foreclosure actions and additional costs. 8. Ask the critical questions: (Editorial Note: You can ask, but remember if the banks lips are moving chances are they are LYING.) 6

1. What is the anticipated timeline to complete a work-out? 2. Will the foreclosure sale be postponed while your servicer reviews the work-out option? 3. What are your obligations under the work-out arrangement: due dates, amounts due, how long your servicer will postpone collection of payments, if applicable, and when such deferred payments must be paid back? 9. If you are not making payments into an escrow account for real estate taxes and insurance, your servicer will likely require that you begin doing that and will work with you to recover any payments already made on your behalf. You can usually save money and get better coverage if you obtain your own homeowner's hazard insurance policy instead of having your servicer arrange coverage for you. 10. Stay in contact with your servicer and/or counselor at all times. Notify your servicer and counselor of any change in your circumstances, including new employment or problems with making payments under a work-out plan. 11. Be realistic about your own financial condition. If you cannot afford to keep your property, consider selling it to get your equity out, or talk to your servicer about other options to give up your property. 12. Understand that the servicer is trying to ensure a positive result for you. Be cooperative, honest and keep your promises on any work-out arrangement.
Credit Counseling
If you think you need counseling to improve your financial management skills and your credit, you may want to consult the National Foundation for Credit Counseling (NFCC). This organization offers an online service called Debt Advice that provides basic information to help consumers understand how to use credit wisely and how to find a certified counselor if needed.
Housing counseling agencies also are funded by the U.S. Department of Housing and Urban Development (HUD) and are located nationwide. These organizations can provide advice on renting or purchasing a home, credit issues, reverse mortgages, defaults and foreclosures. For assistance, you can contact the nearest agency by calling 1-800-569-4287 or visiting the HUD Web site. The NFCC is an organization of credit counseling agencies that promotes quality credit counseling, debt reduction services and education in managing personal finances. It sets standards for agency accreditation, counselor certification and policies that ensure free or lowcost confidential services. NFCC member offices can be reached toll-free at 1-800-388-2227. If you seek help from a consumer credit counseling agency that is not recommended by HUD or NFCC, beware. Some agencies say they are non-profit but charge high fees and make promises they cannot keep. Any company that makes these or similar statements is unreliable:
We can remove your debt 7

Pay us and well pay your bills Pay us a percentage of the bills we get rid of No company sues over unpaid bills We can get bad credit taken off your credit history Use our system and youll avoid bankruptcy Dont talk to your creditors any more
If you hear any of those statements, steer clear of the company. You can check out a consumer counselor by contacting your state attorney general. The Federal Trade Commission (FTC) also has information on credit counseling agencies. Another helpful site is sponsored by the National Consumers League . CNN Money offers an online budget calculator that enables you to compare your spending to others with similar characteristics. The Myvesta Foundation also provides useful information. Another interesting resource is this article in MSN Money. Meanwhile try to

Make sure all your payments are made on time If possible, pay more than the minimum due to reduce your balances faster Try not to charge more on your credit cards unless you have an emergency situation Open a savings account and make a habit of depositing something each month any amount would be beneficial and will add up faster than you think!
Remember, you can get all three of your credit reports from all three national reporting agencies FOR FREE once a year at http://www.annualcreditreport.com. However they do charge if you want to know your FICO score. Financial Resources Click here for Government Aid
Tips to Improving Your Credit Rating

While we think having credit can only lead to debt and slavery we do acknowledge it is useful at times. So, here are some things you can do to improve a low credit rating: Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score. Be aware that paying off a collection account will not remove it from your credit report. It will stay on your report for seven years. Keep balances low on credit cards and other revolving credit"; high outstanding debt can affect a score. The most effective way to improve your score in this area is by paying down your revolving credit, not closing accounts and spreading debt among fewer accounts. Owing the same amount but having fewer open accounts may lower your score; however splitting moderate debt between two cards instead of piling it on one card can sometimes be a good strategy. 8

Don't close unused credit cards as a short-term strategy to raise your score, and don't open a number of new credit cards that you don't need, just to try to increase your available credit. This approach could backfire and lower your score. A limited credit history can have a negative effect. Someone with no credit cards tends to appear as a higher risk than someone who has managed credit cards responsibly. If you dont have a credit history, consider opening an account at a bank and using it responsibly, making the monthly payments as required, but don't open a lot of new accounts too quickly. New accounts will lower your average account age, which will have a larger effect on your score if you don't have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user. Apply for and open new credit accounts only as needed. Don't open accounts just to have a better credit mix - it won't raise your score. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Note that closing an account doesn't make it go away. A closed account will still show up on your credit report and may show the payment history, although it will be noted as closed and paid. Do your rate shopping for a single loan within a focused period of time. FICO scores distinguish between a search for a single loan and a search for many new credit lines in part by the length of time over which inquiries occur. Note that it's OK to request and check your own credit report. This won't affect your score as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers. If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor. This won't improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time. Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them off on time will raise your score in the long term. On average, lenders like to see three to four open accounts -- a combination of charge cards, auto loans, etc. Limit department store cards and other store cards and finance company loans as those may lower your rating.
Lets dig into some real help and real information and learn how we got here and more importantly what we can do to make the most out of our predicament we find ourselves in. Our equity is wiped out on our homes, many flat or deep under water. Retirement savings wiped out, unemployed, businesses going under, etc. etc. Finally a glimmer of hope! Some people have been successful in winning their homes Free and Clear with this information. However,
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depending on your individual circumstance your results will vary. I personally know several people that have been able to avoid foreclosure using the legal system for over a year without make payments and might I add, are still doing so. So, you may end up having to turn your house over but at the very least perhaps you can live rent free and save up and recoup a tiny portion of what you lost with your investment into a Wallstreet ponzi scheme that you never knew you were a major party to! Or that your biggest investment an American can make in their lifetime was no longer the safe, long term conservative investment it was sold as. Okay I do tend to go on and on when it comes to how the banks have taken over our country and did this to us intentionally and on purpose! You will see for yourselves. Click on!
MERS- What is MERS?

MERS stands for Mortgage Electronic Registration System and it was founded by Wells Fargo Corp. It is a bank owned business. They created a subsidiary corporations of MERS Corp called MERS. It is a small company with approximately 30 employees in Delaware. MERS is vehicle by which the banks i.e. commercial banks, holding banks, insurers, and underwriters, could securitize the loan, hide the sale of the note behind MERS and use MERS as a straw man to stand in for the true owner of the rights on the Note. Here is the MERS website. Here you can look up your loan and see who is the servicer of your loan. You will want to come back to this link after you learn more about the process and how it destroyed the housing market purposefully and intentionally so that the wealth would be transferred from the middle class to the wealthy. http://www.mersinc.org A Survey of Cases Discussing MERS Authority to Act. (Hon. William L. Norton, Jr., U. S. BK Judge - 8/2010) http://www.msfraud.org/LAW/lawarticles/lawarticles.html This actual court record from Nevada in the link below explains the fraud quite clearly. http://www.scribd.com/doc/28186623/MERS-Litigation-Example-01
These are great Information resources for the latest developments on the fight against the banks rights to foreclose and how to defend your homes against the banks and why you are right to do so. http://www.msfraud.org http://livinglies.wordpress.com/ http://insidedateline.msnbc.msn.com/archive/2008/12/18/1720808.aspx
IN TROUBLE RIGHT NOW? http://livinglies.wordpress.com/in-trouble-right-now-presshere/ 10

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FORECLOSURE DEFENSE FORMS http://livinglies.wordpress.com/foreclosure-defenseforms/ Why You Don't Owe the Money http://livinglies.wordpress.com/2008/12/08/why-youdont-owe-the-money/ Foreclosure Defense: Rescission Letter, Demand Letter http://livinglies.wordpress.com/2008/05/29/218/ GARFIELD'S Glossary AND TACTICAL GUIDELINES FOR LAWYERS: Mortgage Meltdown and Foreclosure DEFENSE AND OFFENSE http://livinglies.wordpress.com/glossarymortgage-meltdown-and-foreclosure/ Find A Lawyer Who Gets It http://livinglies.wordpress.com/lawyers-who-get-it-work-inprogress/ PLEADINGS http://livinglies.wordpress.com/foreclosure-defense-forms/pleadings/
MORE RESOURCES BLOGS

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AID IN DETERMINING BKR EXEMPTIONS STATE BY STATE Amortization Calculator Anatomy of a Train Wreck Bankers Glossary Banking Glossary Bankruptcy Glossary Bankruptcy Information - but remember to challenge Lenders Authority BKR STRATEGIC OPTIONS MORE POWER THAN YOU THINK Critique of Bankruptcy Courts Conspiracy Theory Detailed Glossary of Mortgage and Real Estate Terms Editors Recommendation: Personal Finance and General Business Extensive Banking Glossary Fannie Mae Glossary Finance Media Foreclosure Defense: Missouri Procedure PARTIALLY Explained Freddie Mac Glossary General Interest Ancient Coin Glossary Getting a Human to Answer Your Call Glossary of Common Civil Litigation Terms Glossary of Common Real Estate Terms HUD Glossary Implodometer Mortgage Glossary PREDATORY LENDING EXPOSE: BEAR STEARNS Researching SEC Filings Top Posts WordPress.co
CALCULATORS
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Future Value Calculator Negative Amortization Calculator vs. ARM/FRM Present Value and APR Calculator
economics
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Accounting Glossary for the everyday person Anatomy of a Train Wreck Banking Glossary Economics Glossary Economics Glossary Federal Reserve Glossary General Interest Ancient Coin Glossary Glossary of Key Economic Concepts Glossary of Money Glossary of Political Economic Terms Money and Currency Glossary Obamanomics Private Lending Researching SEC Filings U.S. Controller of the Currency Short Glossary Derivative Securities Anatomy of a Train Wreck Bankers Glossary Banking Glossary Bankruptcy Glossary BKR STRATEGIC OPTIONS MORE POWER THAN YOU THINK Debt Collectors Your Rights and Protections Demand Letter and Rescission Fannie Mae Glossary Federal Reserve Glossary Filing an answer to a complaint Foreclosure Defense: Missouri Procedure PARTIALLY Explained Freddie Mac Glossary Glossary of Common Civil Litigation Terms Glossary of Common Legal Terms Glossary of Common Real Estate Terms Glossary of Key Economic Concepts Glossary of Loan Terms Glossary of Political Economic Terms Harvard Study Analyzing Mortgage Meltdown, Lawsuits and Claims Implodometer Researching SEC Filings RESPA Glossary Securities Glossary For Lawyers Claiming Securities-Related Causes of Action TILA AUDITS The First Step in Fighting Back 12
Foreclosure defense
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TILA Glossary TILA Rescission Truth in Lending regulation Z U.S. Controller of the Currency Short Glossary Derivative Securities Wisconsin Case, Court Opinion and Ruling on Class Action Discussion of TILA Disclosure Requirements
Additional Links Get Help For ForeclosureGet Help Now. Free Consultation. Foreclosure Prevention Specialist.www.SaveYourProperty.org Stop The Foreclosure 85% Of Home Loan Documents Have Violations of Federal Law.http://www.LegalLoanAudit.com EZ Loan Modification Help Rate & Principal reduction! New Start & Fixed Rate! 1-4mo late OK! www.MyFairLending.com Foreclosure Help Info Get Info on Foreclosure Help from 14 search engines in 1.www.info.com Stop Foreclosure Avoid Bankruptcy Save your Credit No upfront fees No cash required www.immaculateenterprises.info
Glossaries
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Accounting Glossary for the everyday person Bankers Glossary Banking Glossary Bankruptcy Glossary Economics Glossary Fannie Mae Glossary Federal Reserve Glossary Freddie Mac Glossary General Interest Ancient Coin Glossary Glossary of Common Civil Litigation Terms Glossary of Common Legal Terms Glossary of Common Real Estate Terms Glossary of Key Economic Concepts Glossary of Loan Terms Glossary of Money Glossary of Political Economic Terms HUD Glossary Money and Currency Glossary Mortgage Glossary Partial Foreclosure Glossary: For Beginners Researching SEC Filings RESPA Glossary Securities Glossary For Lawyers Claiming Securities-Related Causes of Action TILA Glossary U.S. Controller of the Currency Short Glossary Derivative Securities U.S. Treasury Glossary 13

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Blogs and Blurbs
Great Blog describing what is happening with the housing bubble and why, tons of great articles! I love this blog. I have learned so much from it. This centers around the real estate bubble in California but the techniques being used by the banks with respect to the properties in not unique to California. I know you will love this blog.
http://www.doctorhousingbubble.com
Some of the methods for staying in your home as long as possible without a payment or even possibly winning your home free and clear, involve filing Bankruptcy. This seems to be the only option to fight for your home in non judicial states like the one I live in. If you live in a judicial state, the banks have to file a suit to have the court grant them the right to foreclose, so a borrower can then file a Motion for the Plaintiff to offer proof that they have the right to do so and the real party of interest and/or that they were assigned that right by a real party of interest. Also, that the assignments are fully executed with correct dates and Notarized and filed correctly. However in a non judicial state, the homeowner does not have that opportunity. The banks file their phone assignments with the county recorder and proceed to steal your house. If the homeowner brings suit against the banks then the burden of proof is on the homeowner as Plaintiff to provide proof that the bank does not have interest in your home or that they have already been paid and have no interest anymore, or to whom they sold the Note to, or any way of proving what is hidden behind the bank owned MERS. Hence when it has been tried, the homeowner loses. In Bankruptcy courts homeowners are having some success in non judicial states because when they file bankruptcy it puts an automatic Stay from foreclosure. The banks then typically will file a life-stay Motion. It is at this time that the homeowners has an opportunity to Oppose the Motion and request they prove up their right as a real party of interest. This si not the same as Produce the Note you may have already heard about. Although I would certainly include it in my Motion. An original Note will have endorsements on it. A phony copy will not. This is because in the securitization process the Note is sold, several times, in the true sense of the word and just like endorsing a check over to someone, that is what happened when the Note was sold. So how can you still owe the original lender if they sold it? Ah Ha! Now youre thinking read on , this is just the tip of the iceberg. We kept peeling back this onion till we realized we had been living in The Matrix. Like George Carlin said Its all bullshit & its all bad for ya http://www.bankruptcylawnetwork.com http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/
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http://www.bankruptcylawnetwork.com/2009/10/16/modifying-co-signed-secured-debt-in-chapter-13be-careful /
MATT TAIBBI
Sep.
22 2009 -
Waking up to discover the mortgage market was a giant criminal enterprise

A landmark ruling in a recent Kansas Supreme Court case may have given millions of distressed homeowners the legal wedge they need to avoid foreclosure. In Landmark National Bank v. Kesler, 2009 Kan. LEXIS 834, the Kansas Supreme Court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. MERS is an acronym for Mortgage Electronic Registration Systems, a private company that registers mortgages electronically and tracks changes in ownership. The significance of the holding is that if MERS has no standing to foreclose, then nobody has standing to foreclose on 60 million mortgages. That is the number of American mortgages currently reported to be held by MERS. Over half of all new U.S. residential mortgage loans are registered with MERS and recorded in its name. Holdings of the Kansas Supreme Court are not binding on the rest of the country, but they are dicta of which other courts take note; and the reasoning behind the decision is sound. via Landmark Decision: Massive Relief for Homeowners and Trouble for the Banks.
This is a potentially gigantic story. It seems that a court has ruled that about half of the mortgage market has been run as a criminal enterprise for years, which would invalidate any potential foreclosure proceedings for about, oh, 62 million mortgages. The court ruled that the electronic transfer system used by the private company MERS a clearing system for mortgages, similar to a depository, that is used for about half the mortgage market is fundamentally unreliable, and any mortgage sold and/or transferred through MERS cant be foreclosed upon, at least not in Kansas. Coincidentally Id been working on something related to this all day yesterday. All over the country, lawyers are contesting foreclosures because of similar chain-of-custody issues. I have some material about this coming out in my
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next Rolling Stone story, so I cant get into this too much, but suffice to say the lenders and the banks were extremely sloppy about their paperwork (at best there is a fraud angle as well) and jammed up the system with missing and/or mismarked mortgage notes. Since a sale isnt legal unless theres full transfer of the physical note, a lot of the sales of mortgage-backed securities were not entirely legal, since the actual notes were often not transferred. Nothing like waking up in the morning and finding out a whole sector of the economy is completely screwed. Are these good times or what? Although this particular case pertains to MERS, non-MERS mortgages were often even worse. Below is a flow chart of the securitization process using MERS. It is clear that the original pretender lender has already been paid on the Note they sold.
Credit Default Swaps 101

The Real Reason for the Global Financial Crisisthe Story No Ones Talking About
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By Shah Gilani Contributing Editor Are you shell-shocked? Are you wondering whats really going on in the market? The truth is probably more frightening than even your worst fears. And yet, you wont hear about it anywhere else because they cant tell you. They are the U.S. Federal Reserve and the U.S. Treasury Department, and they cant tell you whats really going on because theres nothing they can do about it, except what theyve been trying to do add liquidity. At the exchange rate yesterday (Wednesday), 35 trillion British Pounds was equivalent to U.S. $62 trillion (hence, the 35 trillion Pound gorilla). According to the International Swaps and Derivatives Association, $62 trillion is the notional value of credit default swaps (CDS) out there, somewhere, in the market. This isnt the first time Money Morning has warned readers about the dangers of credit default swaps. And it wont be the last.
The Genesis of a Derivative Boom

In the mid-1980s, upon arriving in New York from Chicago with an extensive background trading options and futures (the original derivatives), I was offered a job at what was then Citicorp [today's Citigroup Inc. (C)]. The offer was for an entry-level post in the banks brand new OTC (over-the-counter, meaning not exchange traded) swaps and derivatives group. When I asked what the economic purpose of swaps was, the answer came back: To make money for the bank.
The following links will offer tons of information on varying tactics if you are facing foreclosure other than filing BK.
Foreclosure Fraud - Guide to Looking up Public Records for Fraud http://mortgage-home-loan-bank-fraud.com/ http://mortgage-home-loan-bank-fraud.com/report.html http://iamfacingforeclosure.com/blog/2009/09/24/the-trouble-with-mers/
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Indymac Notice of Sale Problem:
As everyone who has a loan owned or serviced by Indymac knows, the bank has had a long, troubled history. When the bank failed to meet FDIC guidelines, the government agency was forced to take over to ensure that the bank did not fail completely, which could have cost depositors all of their money. In early January, the FDIC then decided to sell off the mortgagebacked securities portfolio to a company comprised of a group of strong investment companies called IMB Management Holdings, LP. Indymac has now become One West Bank. The basic terms of the purchase allowed IMB to purchase the $16 Billion dollar portfolio for $13.9 billion. IMB also received $7 Billion in other securities and 33 branches making the acquisition terms very favorable for IMB. The sale of the portfolio is now complete which puts homeowners, who were hoping to modify their loan in a more compromising position compared to when the FDIC was in control. While the FDIC was heavily understaffed, they were there to help modify loans to favorable terms for qualified homeowners. The process was very slow but the results were strong. Homeowners generally received a step program that would start at a very low interest rate (1%-3%) then gradually go up over the years until it reached a low fixed number. In addition, they would also stretch out amortizations to lower payments and capitalize delinquencies. This enabled homeowners to keep their property even when they were seriously delinquent causing the bank to make less money than when the property was purchased. Now that the sale of the portfolio is complete and there is a new regime controlling the fate of the mortgage backed securities, these programs seem to be much harder to get. IMB basically bought the portfolio for around $0.40 cents on the dollar, meaning that if they foreclose on a property and only regain half of the note amount, they still make 20%. This is scary for homeowners. Foreclosing on homes is supposed to scare banks because it results in catastrophic losses. In this case, these losses have already been realized and dealt with, meaning that the homeowners have little leverage. Along with the fear of foreclosure, Indymac is using unethical tactics to collect past due balances from homeowners. It has been seen where Indymac will offer a modification to a troubled homeowner looking to keep their house. The terms look great and the homeowner now believes that they can keep their home. They send Indymac the required Good Faith reinstatement payment and the signed documents. Indymac cashes the check then issues a denial upon further review. This practice is becoming very common, so if you are an Indymac customer, understand what you are going up against.
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Another important new addition to the ever changing guidelines is that anyone who is on Notice of Sale (NOS) now is required to pay up to 50% of their delinquent balance to delay the foreclosure. This does not guarantee a modification or reinstatement, just delays the sale date. Make sure that you consult an attorney before you make this move. There are other ways to delay the foreclosure without paying 6-8 months of missed payments, fees and taxes. Bottom line is that Indymac borrowers need to beware. They are not playing fair and definitely do not care about you as a homeowner. If you are in a Trustee state and are heavily delinquent, realize that ASND, INC can be your answer to delaying the foreclosure. Indymac is taking back homes in the thousands. Do not be one of them just yet.
Why? And How Did This Happen? I think that by now you are probably blown away at what the banks have been able to get away with. Youre probably wondering how this could be? Here to answer all, are links to some documentaries (free) that will explain in detail so that all will be revealed. Click the back button to return to the guide. Root Causes and the Only Solution from Freedom Radio.com http://www.youtube.com/watch?v=2iCRNBGQU00&feature=related The Money Masters- This documentary details our monetary system which will help you understand how we got to this point in history with respect to our financial state both in our country and around the world. http://freedocumentaries.org/teatro.php?filmID=243&lan=en&size=big Banks and How to Break Them- This documentary explains the financial markets and the collapse in general terms and looks into the human element of trading. It does not address any of the legal or technical causes of the collapse but is interesting and somewhat educational none the less. http://freedocumentaries.org/teatro.php?filmID=342&lan=en&size=big
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Loose Change- Interesting documentary thats has been out since 2006. Watch it and draw your own conclusions http://www.youtube.com/watch?v=7E3oIbO0AWE
Breaking News- 08/19/2010 62 Million Homeowners Could Be Shielded From Foreclosure http://foreclosureblues.wordpress.com/2010/09/13/the-curse-of-the-mers/
Video clip showing the sickeningly obviously fraud being committed by the banks!! http://www.youtube.com/watch?v=hY4aRn6bWKg&feature=related
This video clip is by a homeowner looking for someone from Missouri that wants to join a Class Action Law Suit against MERS http://www.youtube.com/watch?v=PqNkPEaIvaM&feature=related
Who Killed Glass-Steagall? How the Repeal of The Glass- Steagall Act of 1933 back in Nov. 1999 paved the way for the current economic crisis we are in today. http://www.youtube.com/watch?v=x0k2PmF-o5Q Bankruptcy Abuse and Consumer Protection Act. Enacted in 2005
Then conveniently right before the collapse of the economy Bush signed this appalling piece of legislation entitled Bankruptcy Abuse and Consumer Protection Act. Consumer Protection Act?? What a bad joke. Were it not for this piece of legislation shoved down our throats, we could simply file for bankruptcy protection and a judge could Order the banks to lower the
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mortgage to CURRENT MARKET VALUE! Thats what they used to do prior to this enactment of this Piece of you know what legislation. That is why bankruptcy laws were created to begin with, to help the debtor keep their home! This is key to why we are now unable to negotiate with the banks on our under water homes.
http://en.wikipedia.org/wiki/Bankruptcy_Abuse_Prevention_and_Consumer_P rotection_Act I am an attorney so I decided to.(Actual First Amended Complaint from his lawsuit) http://www.scribd.com/doc/21619196/I-am-an-attorney-so-I-decided-to-suemy-lender
Money As Debt http://paulgrignon.netfirms.com/MoneyasDebt/references.htm The US is BANKRUPT and what it means to you More About MERS
Contributed by: simon l (not verified) on Sat, 10/24/2009 - 15:08
If you look very carefully at each and every one of those mortgages, and inspect the appraisals made of those homes, you will see that the homes were WAY overvaluated by the lender and that MERS is on every single mortgage. Wells Fargo was not only a direct lender - it has hundreds of correspondent lenders that are doing the same thing (Draper & Kramer, the Chicago Real Estate Giant being just one), and then naming Wells Fargo as the SERVICER, so Wells Fargo can claim "assignee" protection, under MERS. MERS is a child of MERSCORP - owned by Wells Fargo and other Banks. MERS "trades" in mortgages - but never reports those alleged "sales and purchases" to the SEC. In fact, one can't find any information regarding the security (promissory note), a negotiable instrument that evidences a debt that a mortgage secures. The only way to get that informaion is to be a member of MERS. The information is purposely kept from you - and unless you are a member of MERS, you cannot get the information. MERS does it every day in Chicago. The Banks hide the identities of the real parties, so the borrowers cannot alert the investors of the frauds. Please find out how to stop foreclosures! Please DO something! There is a corporate machine called Mortgage Electronic Registrations Systems, Inc. (MERS), that makes fraudulent conveyances of real property in order to facilitate foreclosures in the name of Wells Fargo, who is NOT the real party in interest! To see it for yourself, you need only to examine any Cook County foreclosure proceeding initiated by Wells Fargo look at the alleged "assignment" - the "officer of MERS" who signs the backdated assignment is actually the attorney of Wells Fargo! Even when the homeowner figures out that he was induced into borrowing an amount in excess of the value of his home (by a fraudulent appraisal), there is NO WAY for the homeowner to contact the buyer of the note (holder/investor) to advise of the fraud purpetrated against the investor - a homeowner usually can't find a way to fight against the foreclosure, because MERS was named on the mortgage as a nominee of the original lender - what the original lender conceals at execution is that MERS is also an agent of Wells Fargo (and other Banks). But, long
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after the original lender sells it's interest, MERS claims it still has interest (as a nominee for anyone who buys the Note - this is never mentioned in the deal with the homeowner!), and when the Servicer (who collects payments to spread around the mortgage backed security pools) attempts to foreclose and is met with resistance from the borrower, MERS records an affidavit of assignment AFTER foreclosure complaint is filed, and the assignment is always backdated to just before default. But, common sense says MERS lost it's nominee status at the original sale by the original lender - so WHY IS THIS BEING ALLOWED?? Please see through the curtain, Honorable Madigan of Illinois - MERS was never created to save money for the homeowner - it was created to avoid disclosure to the people and the government, and has robbed millions from Illinois by neither registering it's securities (traded every day - make the MERS members show you the real records) nor paying any tax stamps - an average of 4 transfer fees lost PER MORTGAGE IN ILLINOIS, and thousands of foreclosures granted to the wrong party in interest, just so that party can remortgage the home to another victim, over and over! The Mortgage Banker's Association should be investigated - so many people borrowed money against their homes, believing that they had equity so if something went wrong they would be able to sell and pay their debts - this would NEVER happen, because these borrowers were lied to and the appraisals made the homes look like there was sufficient equity when there was not - most were rendered unsaleable at the execution, and the borrowers were never aware until they tried to sell. If you remember 1998 when Ms. Brooksey Born tried unsuccessfully to stop the Big Banks' Black Box - you will see a striking similarity - the Black Box here is MERS, and the Derivatives are the American homes! The only way to fix the economy is to void the fraudulent mortgage contracts and give people their homes - the mortgage payment they do not have could be spent on home repairs, property taxes, education for their kids, maybe a new car. They will have money to spend and save (if they save, the banks won't have such a problem), they could pay for medical care, etc, etc. The other way is: allow more people to lose their homes, after which they will depend on the government to survive the homes will rot and become harbors for crime, the state will lose untold amounts of money on property taxes, no one will be able to afford healthcare or even to pay bills - which will put even more people out of jobs, more people will foreclose, more people will depend on government money to live. More manufacturers will go bankrupt, because no one can buy, and the homes offered for sale will be in disrepair and in now bad neighborhoods, so no one will buy them, so the revenues will even go down further, causing more loss of jobs, etc, etc - a chain reaction, while the banks get a big discount by fraudulently registering the foreclosed, unsaleable homes as co-ops and robbing the State of Illinois from more precious revenue - just look at how REO properties are taxed as compared to a lived-in home - the RE companies lie to the Assessors! Meanwhile, the securities are not paying, so a person, or their parents, and even their grandparents are forced to sell their retirement funds and assets and are left with NOTHING, if they are lucky they will own their home outright - but if their mortgage mentions MERS, they are destined to NEVER own that property. The only way the Banks can keep their fraudulent ball rolling is to foreclose and eventually remortgage the home. THEY ARE AFTER THE LAND - not the home that's on it. LAND DOES NOT DEPRECIATE - the Banks NEVER lose, no matter what they try to make it look like. A promissory Note says that any notices regarding payment must be made to the Note Holder. You are never made aware of the identity of the Note Holder, so how can you notify of anything? The non-disclosure of the Note Holder is a breach of contract by the original lender and any assignee of that lender. The Mortgage document first says this: Quote: MERS is a separate corporation that is acting solely as a nominee for Lender and Lenders successors and assigns. MERS is the beneficiary under this Security Instrument.24 And later it says this: Quote: The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lenders successors and assigns) and the successors and assigns of MERS. MERS Terms and Conditions identifies MERS interests. The Terms and Conditions 26 say this: Quote: MERS shall serve as mortgagee of record with respect to all such mortgage loans solely as a nominee, in an administrative capacity, for the beneficial owner or owners thereof from time to time. MERS shall have no rights whatsoever to any payments made on account of such mortgage loans, to any servicing rights related to such mortgage loans, or to any mortgaged properties securing such mortgage loans. MERS agrees not to assert any rights (other than rights specified in the Governing Documents) with respect to such mortgage loans or mortgaged
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properties. References herein to mortgage(s) and mortgagee of record shall include deed(s) of trust and beneficiary under a deed of trust and any other form of security instrument under applicable state law. YET, MERS does exactly the opposite when it "assigns" the mortgage AND note to the "servicer" - it is against the law, MERS cannot assign the note to anybody! (Emphasis added - MERS' website is mersinc.org, and the only entity the homeowner is allowed to contact is the Servicer, whose has no interest in the mortgage or the promissory note - the information regarding the true party in interest is only available to MERS members.) A beneficiary is defined as one designated to benefit from an appointment, disposition, or assignment . . . or to receive something as a result of a legal arrangement or instrument. BLACKS LAW DICTIONARY 165 (8 ed. 2004). But it is obvious from the MERS Terms and Conditions that MERS is not a beneficiary as it has no rights whatsoever to any payments, to any servicing rights, or to any of the properties secured by the loans. There's some great info on msfraud.org. MERS is a strawman that holds nothing. Every assignment by MERS is a fraudulent conveyance of real property, backdated and then recorded after foreclosure is filed.
The Whole Country is BOGUS Fabricated Mortgage Assignments All Over the Country
Posted by Foreclosure Fraud on February 14, 2010 46 Comments For the past year and a half, I have been examining the public records of Florida, analyzing all of the fraudulent documents that have been entered into the system since the housing crisis began. I have found employees of lenders assigning mortgages to their employer, I have found companies assigning mortgages to themselves, by themselves. I have seen many variations of financial institutions employees signatures on hundreds, if not thousands of documents. I have seen people that are officers of too many banks, and I have been unable to verify the existence of certain notaries who sign millions of these documents. Now, we are seeing BOGUS assignments all over the Florida public records. At first I thought it was some kind of joke. Well it is, and the joke is on all of us. Doesnt anyone look at these papers before filing them? Do the courts even care they are allowing peoples homes to be taken away by some BOGUS document? This is much more than a clerical error. It is outright blatant fraud. How massive is it? Well, in just a few hours of perusing the public records of this country, we were able to come up with these BOGUS DocX assignments from multiple counties of multiple states. While we were at it, we found some Bogus Satisfactions of Mortgage as well. To top it off, not only do the assignments say they are bogus, most of the signatures do not match from one to the next. Some counties and states do not have their records online and some counties and states require you to pay leaving them inaccessible at the moment.
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Below are examples of what was found in just a few hours of research. Just imagine what would be found if official audits were performed. States Examined; Arizona, California, Florida, Georgia, Kentucky, Illinois, Michigan, and Nevada. Yes, these are on the extreme end of the fraud spectrum, but what if all of those official looking assignments were just as bogus as these? One of the most infamous vice presidents, Erica Johnson-Seck, who signed thousands of these official assignments, confesses the role she (and others?) played in the creation of similar documents in her deposition that is posted here (takes a moment to load) To top it all off, the Florida Bankers Association now wants to change Florida to a NON Judicial state with the bill in the link below that I urge all to understand.
The Florida Consumer Protection and Homeowner Credit Rehabilitation Act

Anyway, you decide Where are the damn Feds 4closureFraud www.4closureFraud.org
UPDATE 02/25/10 Investigations Started > Lender Processing Services, Inc. FORM 10-K EX-21.1 February 23, 2010 Legal Proceedings < UPDATE 04/03/10 WSJ Reports on Bogus! > WSJ Picks Up on Bogus U.S. Probes Foreclosure-Data Provider Lender Processing Services Docx < UPDATE 04/29/10
Florida Attorney General Bill McCollum Launches Investigations into Florida Default Law Group and Docx, LLC a/k/a Lender Processing Services
UPDATE 04/29/10
Foreclosure Lawyers Face New Heat In Florida

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Full Video Deposition of Jeffrey Stephan??? Assignment / Affidavit Slave (a reenactment- funny) 24

Next Up North Carolina AG Cooper Questions GMAC Mortgages Foreclosure Actions Florida Supreme Court Says it is Powerless to Freeze State Foreclosures I Disagree and Offer a Solution o Florida Supreme Court Letter to Rep Alan Grayson RE Foreclosure Freeze We are Powerless o Dear Chief Judge Blanc RE Foreclosure Crisis Thanks for Listening o More GMAC / Ally Financial Comedy New Official Entry at Urban Dictionary Jeffrey Stephan-ed Disclaimer
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The information on this blog is for informational purposes only and is not to be construed as legal advice. Read at your own risk. May be too intense for some viewers. Do not read this blog if you have high blood pressure, heart disease, diabetes, thyroid disease, asthma, glaucoma, or difficulty in urination. Discontinue reading this blog if any of the following occurs: itching, aching, vertigo, dizziness, ringing in your ears, vomiting, giddiness, aural or visual hallucinations, tingling in extremities, loss of balance or coordination, slurred speech, temporary blindness, drowsiness, insomnia, profuse sweating, shivering, or heart palpitations. Readers should not act upon this information without seeking professional counsel.
Foreclosure Fraud Links

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About Foreclosure Fraud on Scribd Foreclosure Fraud Videos Foreclosure Hamlet LivingLies Mortgage Servicing Fraud National WAMU Support Group The Foreclosure Detonator The Pigs Ass Tying It Together: Massive, Pernicious Fraud Who's talking about 4closureFraud Who's talking about Foreclosure Fraud Guide Advice from a Fraudster White Collar Crime and Criminals Arkansas Supreme Court Denies MERS Legal Standing Basic Foreclosure Litigation Defense Manual Defective Paperwork Strips Mortgage Holder of Foreclosure Rights DEUTSCHE BANK SUES BANK OF AMERICA Foreclosure Fraud Guide to Looking Up Public Records for Fraud Foreclosure Subprime Mortgage Lending and MERS Freddie Mac Comments on the Final Report and Recommendations on Residential Mortgage Foreclosure Cases Florida Supreme Court 25
Foreclosure Fraud Resources

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Full Deposition of the Infamous Erica Johnson Seck I am an attorney so I decided to sue my lender In Re Wells Bankruptcy Oh Nd Decision 22 Jun 2009 Indymac Bank F.S.B. v Yano-Horoski Judge Spinner Judges Drains Order PHH Mortgage Judges Start Nixing Foreclosures Landmark National Bank v. Kesler-MERS Decision Lies a new Tool in Foreclosures MERS eRegistry Membership Kit MERS Info Discovery Submissions Interrogatories MERS is a SHAM MERS Legal Issues in Mortgage Technology MERS Rules of Membership MERS Tracking Loans Through a Firm That Holds Millions MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., Appellant, v. LISA MARIE CHONG, LENARD E. SCHWARTZER, BANKRUPTCY TRUSTEE National Consumer Law Center Servicing Report PMI Ocwen Anderson Report Sue First Ask Questions Later Produce the Note California Style Re-Confirmation Hearing Ben Bernanke Questions from Senator Bunning Response to the lenders objections PHH Mortgage REVENGE OF THE DEBTORS WHO CAN LEGALLY ENFORCE A MORTGAGE AFTER A LANDMARK CASE Tampa Bay Companies Help Lenders Transfer Home Loans, Foreclose The Giant Pool of Money How They Transfered the Wealth Uniform Commercial Code, UCC The Note, The Transferee and the Wardrobe US Bank v Ibanez Memo of Decision Denying US Bank MERS Washington ERISA Class Action DATAMINE for Foreclosure Evidence Welcome to the MERS Knowledge Base! Wells Fargo Loses Appeal Regarding Assignments Full Video Deposition of Jeffrey Stephan??? Assignment / Affidavit Slave: http://wp.me/pFWnq-2VE 11 hours ago Next Up - North Carolina - AG Cooper Questions GMAC Mortgages Foreclosure Actions: http://wp.me/pFWnq-2Vu 12 hours ago Florida Supreme Court Says it is Powerless to Freeze State Foreclosures - I Disagree and Offer a Solution: http://wp.me/pFWnq-2UT 12 hours ago Florida Supreme Court Letter to Rep Alan Grayson RE Foreclosure Freeze - We are Powerless: http://wp.me/pFWnq-2V2 13 hours ago Dear Chief Judge Blanc - RE Foreclosure Crisis - Thanks for Listening: http://wp.me/pFWnq-2Uu 14 hours ago More GMAC / Ally Financial Comedy - New Official Entry at Urban Dictionary - Jeffrey Stephan-ed : http://wp.me/pFWnq-2Un 15 hours ago Is Justice Dead? Attorney Mark Stopa - Final Judgment of Foreclosure Without a Hearing!: http://wp.me/pFWnq-2Ud 16 hours ago Chief Judge Peter Blanc of PBC FL Ponders Jurists' Role in GMAC/Ally Financial Foreclosure Cases: http://wp.me/pFWnq-2TX 1 day ago 26
Foreclosure Fraud on Twitter

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Connecticut and California join probe of Ally, order foreclosures freeze http://bit.ly/au18pj 1 day ago Change.org - National Foreclosure Moratorium NOW - Please Sign the Petition: http://wp.me/pFWnq-2Ty 1 day ago Re-Introducing Angela Nolan of JP Morgan Chase - Another form of Robo Signer AutoPen: http://wp.me/pFWnq-2Sw 1 day ago The Market Ticker - More Thoughts On The MBS / Foreclosure Mess: http://wp.me/pFWnq-2RX 1 day ago 4closureFraud Makes it to the Washington Post - Ally's 'bankers as cheaters' commercials pulled as document investig http://wp.me/pFWnq-2SS 1 day ago And Then There Was Five - Connecticut Attorney General Investigating Defective GMAC/Ally Foreclosure Docs, Demands H http://wp.me/pFWnq-2SI 1 day ago PB Post - More foreclosure affidavits withdrawn as another document signer identified: http://wp.me/pFWnq-2Sz 1 day ago Foreclosure Fraud - The Market Ticker - See, I Told You So (Deliberate Destruction Of Documents): http://wp.me/pFWnq-2Sn 1 day ago Naked Capitalism - Floridas Kangaroo Foreclosure Courts: Judges Denying Due Process on Behalf of Banks: http://wp.me/pFWnq-2S5 1 day ago Bloomberg - JPMorgan Based Home Foreclosures on Faulty Court Documents, Lawyers Claim: http://wp.me/pFWnq-2S0 1 day ago California Attorney General Brown Sends Cease and Desist Letter to Ally's Gmac Until It Proves It Is Complying with http://wp.me/pFWnq-2RK 2 days ago Illinois Attorney General Madigan Demands Meeting with Ally's GMAC Unit at Center of Foreclosure Fraud Controversy: http://wp.me/pFWnq-2RC 2 days ago
Foreclosure Fraud Mortgage Fraud Assignment Fraud Forgeries Dont be so fast to leave your home just because you are behind on your mortgage. Those payments might not be due at all, or if they are, they are probably not owed to the entity you are paying. In almost EVERY case, the lender seeking to foreclose on your home never owned your mortgage or your note. Dont be a victim Challenge EVERYTHING!!!
http://4closurefraud.org/2009/10/18/foreclosure-fraud-guide-to-looking-uppublic-records-for-fraud/ Here is a letter FROM CONGRESS to Fannie May dated Sept. 24, 2010 Notice that one of the signatures is from Barney Frank that is the head of the banking and finance committee and a congressman. http://www.msfraud.org/LAW/Legislative/congress-letter-to-fannieforeclosure-fraud.pdf
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Here is a letter I personally wrote to The Nevada Dept of Business and Industry Fraud division. Today Sept. 29, 2010. (its just one of many, many, many letters I have written to everyone from Obama, to Oprah to CNN to Bill Mahr, to Barney Frank, HUD etc.
Dear Mr. Daniels, I read with amusement the "task force" set up regarding foreclosure prevention. It reads like a pack of wolves put in charge of watching the sheep. Please take a look at the Economic Survival guide put together by myself and a large and growing group of, (disgruntled citizens would be putting it mildly) that have been the victims of the biggest fraud ever perpetrated on Americans and specifically Nevadans at ground zero, Las Vegas. The guide provides links to all the so called "help" set up by Federal agencies, that offer no help. Beyond that are links and reliable information on what is really happening with the foreclosures that amounts to stealing. Case law, articles, even a letter written BY CONGRESS including Barney Frank the head of the Banking and Finance Committee to Fannie May regarding fraudulent activity. Through legislation like the repeal of the Glass-Steagall Act in 1999, and the subsequent 2005 Bankruptcy Reform and Consumer Protection Act, it changed the way banks can do business and reformed the "protections" consumers formerly had. It amounts to legalized fraud. It is fraudulent none the less. Just because a contract is made that both parties agree the sky is green does not make it a fact. So it is with the emergence of the bank created MERS Corp and its subsidiary MERS. Naming MERS as a beneficiary or nominee beneficiary does not make it a reality. In reality, MERS is nothing more than a wall that the bank hid behind the selling and trading of the borrowers promise to pay and then partner insurers stamping toxic paper as AAA and causing a mass run on the securities which by cause and effect increased the value of the real property to the point where they ( the banks) would give anyone with a pulse a loan and then pre sold that "IOU" before the borrower even closed escrow! That means the so called "lender" never gave anything of value to the borrower, they simply involved the borrower in a securitization of their promise to pay and without disclosure to the borrower that they were a MAJOR part of a security that would be sold on Wall Street! Shouldn't we have at the very least been told it was OUR Promise to pay that was being brokered on Wall Street to fund our homes? Or at the very least disclosing that the property to which they are securing the Note is now tied intrinsically to the value and subject to the fluctuations of the Stock Market? That it was no longer a safe conservative investment? Further, they named "the wall" that they hid their transactions behind as the beneficiary. How can a wall be a beneficiary? If I gave you a Note in exchange for say $5000.00. and then you sold the note in front of me to Joe, and Joe sold it to Tom and Tom sold it to Sam all in plain view, I would then know I owe the money to Sam. BUT if these same transactions occurred behind a wall I could not see over, under or around, You could sell the Note and collect the money and then later if you had named that wall as beneficiary then had a buddy named as an "officer of the wall" assign that Note back to you and you come calling to collect, EVEN THOUGH YOU WERE ALREADY PAID. That is what MERS is. It had nothing to do with the loan, or my IOU, and to top it off the banks no longer file the sales or (assignments as they are called) in the county of record where the property and Deed are recorded thus the county lost billions in recording fees. Not mention the credit default swaps (we call it hedging your bet here in Vegas) the banks took out on each other knowing they were falsely stamping these securities as AAA (because after repealing Glass-Steagall they were all in bed together) and knew they would most likely default so they made their money already on the "brokered deal" they put together. They never loaned anything, the borrower (and investor) were damaged by the banks fraudulent activities that go against over 100 years of mortgage practice in this country, and still they are stealing property that they have no interest in, other than a fraudulent paper trail that they created. They always say documentation, documentation, documentation, to prove your case so they simply fabricate the documentation and file it in the county records and steal the home. Or in the case of judicial states they simply provide false documentation to the courts. Please go over the guide carefully. There is plenty of documentation clearly outlining the banks fraud and how they did it. There are links to 1000's of resources and paper trails and video footage etc. etc. Something desperately needs to be done as MERS is not a real party of interest in the Note! Just because it says so on a piece of paper does not make it a reality. MERS own website says they do not
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loan money or collect payments or have anything to do with the loan other than record its assignments. It can't be both a real party of interest and not be a real party of interest at the same time. It's fraud. It's set up to rob the middle class of its wealth and transfer it to the wealthy. We already lost our life savings investing in our homes we were told was 'the best investment an American can make in their lifetime' so at least we should be able to keep a roof over our heads! Albeit an underwater roof! They already robbed us. Our state needs to stand up for its constituents and take back our rights. Isn't this what the revolutionary war was fought over? The British banks were stealing our homes? Wasn't it people just like you and me that got fed up and took up arms to fight the British and wasn't it John Adams that fought for Congress to support them in their efforts to separate the United States from the tyranny of the British Central Banks? This insanity must end! My group is out to educate all 62 million Americans affected by the whole MERS sham and let me tell you we are MAD! If our representatives do not stand up and do THE RIGHT THING by us, the tax payers that have been defrauded and depleted and are now unemployed as well, let me put it this way, they will soon find out they will be out of a job too. Please see the attached Economic Survival Guide. Thank you for your time. Lynn Chase "Life is a journey, so enjoy the ride."
Are you getting mad yet? Read this story!

http://mandelman.ml-implode.com/2009/09/unbelievable-breaking-news-senior-couple-beingscrewed-royally- by-mortgage-servicer-specialized-loan-servicers/ Its been fraud all around folks and you have to start scratching your heads and ask why? Want to dig a little deeper? So did we, how deep does this fraud go? How high does it climb? Who is really involved or behind all of this? Who are the banks? Who are the hedge fund managers? Who are the majority shareholders in these too big to fail banks? Who is paying the lobbyists to corrupt our government representatives? Who IS THE MAN BEHIND THE CURTAIN? Who indeed? Let us take a look at some theorys. http://www.zeitgeistmovie.com/ be sure to watch this from the first 2007 film (which is in 3 parts itself) then watch the addendum and then the 3rd film is not out yet, but will be released soon.
Are we owned by The House of Rothschild ? After seeing this you might think so! Watch the
video clip then follow the instructions below to verify its truth.
http://www.youtube.com/watch?v=KRTVLSZ8cVQ 29

Do you want to find out how much you are worth??
Search...... http://personal.fidelity.com/news/quo... 1) click Symbol Lookup next to the Box Now where it says Search for change the box to [Mutual Fund] and the other box to [fund number] 2) Now type in the [Search Value Box] this: the year you was born / and the red numbers in the lower left/right hand corner of your Birth Certificate like this EXAMPLE [1967/the number] 3) If you show up click FSNIX under symbol HOW MUCH ARE YOU WORTH? Oh and lastly Notice the Fidelity's firm symbol Go on take a look!!
Cases Argued and Decided in the United States Supreme Court Book 20 The History Of Money These websites have 1000s of links to amazing information! THE US Financial Information and So Much MORE a MUST SEE Link Welcome to The United States Of Austerity
Non-mainstream REAL Independent News Media brasscheck tv propaganda matrix voltairenet.org dprogram.net Project.nsearch Fourwinds10 Hinterland Voice Icelandic Modern Media Initiative Disinformation-tactics-methods-used-to-keep-you-in-the-dark corbett report youtube user/SuppressedNews no one has to die tomorrow dprogram.net Information clearing house Alex Jones Prison Planet 8 the state Disclose TV
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We the People Radio network Rense Nexus Educate Yourself Mediaed Oped news mind control-victims PR watch Smoke Screan Media Project Camelot Free press links Iluminati News Brass Check TV Silobreaker GCN live Truth news Vortex Network News world audit 8th Estate Public Media and Research Rogue Government Jancik radio network Snardfarker Suprememastertv Whiskey and gun powder Conscious media network Citizens for Legitimate Government Old-Thinker News BlackListed News News X Information Liberation Rogue Government Lew Rockwell Ridley Report Illuminati News Red Ice Creations Restore The Republic The New American Break The Matrix Above Top Secret What Really Happened War On You American Free Press Wake Up From Your Slumber Free-Market News Network
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Global Research Cryptogon Aftermath News Rebel News Strike The Root Revere Radio FKN Newz Media Monarchy Bureaucrash Uncover the News Cremation of Care PyraBang Rumor Mill News survivalist news want to know.info
This is a trailer for a major motion picture soon to be released that I cant wait to see! All I can say is The cat is out of the bag!! Inside Job- This next link is to a Trailer for a film not out yet as of 09/29/10 Who Owns THE MEDIA? You may have to create a user name and pw to view this doc. Survival Information For The Worst Case Scenario (poverty, chaos, Marshall law, homelessness, or the need to G.O.O.D (Get Out Of Dodge) http://www.survivalblog.com/
Survival guide for the unemployed

Just lost your job? These 13 tips will help you find ways to cope, from keeping up your spirits to prioritizing your spending, MSN Money's Liz Pulliam Weston says. If you've just lost your job, the decisions you make in the coming days and weeks may be critical to your financial survival.
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How you organize your time, corral your resources and handle your money will help determine whether this job loss is a temporary setback or a potentially life-changing disaster. But your most important task will be managing yourself, said career coach Nancy Collamer. "It's OK to catch your breath and lick your wounds," said Collamer, the publisher of the Jobs and Moms Web site and author of the e-book "The Layoff Survival Guide." "Take a week, two weeks if you need it" -- but then get going. Here's what you need to do: Get your head on straight. Keeping your spirits up, your energy level high and "a realistic sense of optimism" will be essential skills in helping you navigate the road ahead, Collamer said. Your spouse or partner may be as freaked out as you are, and your friends are busy trying to keep their own jobs. While family and friends can try to help, what you really need is a jobhunting "board of directors" that can give you advice and encouragement, Collamer said. That means finding a job-search support group; the Web site Job-Hunt, she said, is a good place to start looking. Schedule your job search. Get up early, take a shower, put on nice clothes and schedule what you'll do for the day. "Even if you don't have appointments, you can take some time on Sunday night or Friday afternoon or whenever it works for you to schedule out your week," said Collamer, whose husband's layoff in 2001 prompted her to write the unemployment guide. "You might decide that from 9 a.m. to 11 a.m. you'll research new companies on the Internet and from 1 p.m. to 3 p.m. you'll go to the library and check out three books on writing rsums to see what you can do to improve yours." Having a schedule keeps you moving forward, Collamer said, and preserves "that sense of dignity" that can be lost when the structure your job used to give you suddenly, and unsettlingly, disappears. "You want to have that feeling at 5 p.m. that you're done for the day," Collamer said, "and that you've accomplished something."
[Related content: budgeting, financial planning, bills, spending, emergency fund] Related Stories
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Target's weekend hiring blitz How to not pay your bills Where the jobs are -- Liz Pulliam Weston / NBC Nightly News Where to turn when you're desperate The best ways to raise cash fast Laid off? Your work's just starting How much jobless pay would you get? Survival guide for the uninsured What to do with your 401(k) Job at risk? Save your insurance
Tips to lowering your spend and increasing your cash flow

1. Turn off the lights when you leave a room- this one seems obvious yet so many people leave the TV on or room lights, closets lights, garage lights, etc. on when no one is even in the room! Why is it so hard to flip a switch when you walk out of a room? Guess what? It isnt! So do it! Its one of the simplest and most effective ways to reduce your power bill. 2. Hand wash clothes. I am not joking! Ladies, all you little intimate clothing/ undies/ slips/ bras/ or other delicate clothing can and should be hand washed. It doesnt take more than 5 minutes and another 5 to lay them out to dry. You now saved money on power and possibly gas if you have a gas dryer, water, and your clothes will last longer. If you have an old washing machine without a delicate cycle you probably already do this, but if not its great cash saving tip! Dont forget every little thing we do costs money and so it ALL adds up! Which brings me to number
3. Line dry your wash. Ok so you dont have a yard with anywhere to line dry your clothes. Or your association wont let you hang your cloths out to dry cause it will look like a 3rd world country. Unfortunately we could very well become a 3 rd world country if we dont start paying off our debt and acquiring real assets not more debt. So hang a line inside your home if you have to. Layout towels on the floor for your sweaters and hang shirts up wet and let them dry on their own! There is no excuse. Do you want to save money? Alright then, hang your damn clothes up to dry. Only use your dryer if you absolutely must for those items that you cant hang to dry. Cant think of what that might be right now but even if you use your dryer the time, then you saved the cost. Get your kids to help. They should learn how to share the work load anyway. Tell them to turn the video games off while youre at it. How can they learn backbone, sharing, giving, helping, thoughtfulness, compassion, trust, from a video game anyway? Think they learn those things at school? Dont even get me started.
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4. Turn off the vampire appliances and plugs. You know all those blinking lights on the crap we bought. Yes we loved buying all our electronic crap that somehow still left us wanting. Well what we want now is more cash and all those blinking lights on extra phone lines in rooms no one answers, or power strips to appliances and other doo dads that we rarely use. Turn em off! They are sucking power for no good reason! Turn off the CPU, the extra digital clocks, etc. If you are not using it turn it off. You want to use it? Plug it in. Simple. Speaking of phone lines see number.
5. Fire the phone company. Thats a biggie! Thatll save you at least $600.00 right there! This is only a great suggestion though if you already have a cell phone. I have had the same cell phone number since 1986 so for me it was truly a no brainer. No, you dont even need it for the fax line cause you can go to www.efax.com and get a free fax number and receive all your faxes via your e-mail address, or logging into your e-fax account and retrieving it that way if you like. So for most this will save you a tidy sum.
6. Scrutinize your cable/satellite plan and try to lower it. I love HBO. I love True Blood, Curb Your Enthusiasm, movies etc. So, I did not want to give up HBO. I did lower the over all plan though and then I check all the time for the specials and usually am able to get HBO for price. I was able to lower my bill and save $540.00 and still keep my HBO. During these times I am afraid we will be watching more TV than ever so I thought it was important for my mental well being, so this falls under the thriving part. I want to save money but I also dont want to be depressed about it. So keeping that in mind I refer to number 7.
7. Feel like a million bucks! Volunteer for your favorite charities! This is so cool on so many levels!!! One it makes you feel like a million bucks! I swear on my fathers grave if I lie may I rot in Hell or wherever you believe liars go. This is actually almost a selfish thing because you feel so darn good that what little help you actually gave in the large picture pales in comparison to how good you will feel. Guaranteed. The money you save will be in tax deductions. You can donate your time, or goods and as long as you keep a receipt and log of your mileage, you can deduct it! (consult a tax accountant for your situation) I hope I dont need to state the obvious effects on those that you would be helping as well! Please do this. If you do nothing else from this book, just do this. 8. Use candles. Try the long lasting beeswax candles. Not only will you save money on your power bill, but its romantic too! Im going to suggest sex while I am at it, since that can also make you feel like a million bucks! Also burns calories, so file this one under both money savings and
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thriving in the economic crisis. If your alone, I still suggest sex but you wont burn as many calories. Great pass time and its free! 9. Coupons coupons coupons! I know youre too good to clip coupons! I also know I save more money than you. They are like free money honey. Also, every time you purchase something online, if they show a box for a coupon code or similar before you hit purchase do a quick Google search for coupon code or Promo Offer plus whatever store name you are buying from and see if there is a current code available. This will often get you free shipping, or discounts or extra free gifts. We also provide handy links to several coupon sites so reads on! 10. Donate to charity or sell ! De clutter your garage, home or storage unit for fun and profit! Most of the accumulated crap will be just crap. However you will also find great items you could give as gifts, sell on e-bay or donate to a charity and get the tax deduction! 11. Keep good financial records. Very important! Dont throw money away because you are late on a bill! This will also be a source for finding tax deductions that you will forget if you do not keep sound financial records. Keep your receipts! I do 90% of my bill pay on line through my bank. That way all (or most) of my record keeping is done while I am simply doing what I have to do anyways! Pay my bills. Then I simply print out the payments and wrap them around the paper bills and file them according to month. I also keep all my bank statements each month in the same place filing the statements in the back of the folder per month. If I need it again it is quickly retrieved showing all the transacti0ons along with the printout of the monthly bills paid. Easy Chickeezy! 12. Start a business. I dont care what kind of business. Start a website, bake pies, make handmade stuffed animals, whatever, you can do something if you really want to. Go to the secretary of state website in your state and file the new business. Work out of your home and write off the portion of your home you use, portion of utilities, and other necessary business expenses like taking potential clients out to eat, buying them gifts, taking them golfing, your annual shareholders meeting that is being held in an exotic location (using the funds you saved by following number 15), etc. Be sure to discuss this with your accountant or CPA to make sure you do it correctly and within IRS guidelines. You may have no profits for 3 years before the IRS concludes it is a hobby not a business, and disallows the write offs. Then youll need to start a new business. 13. Use cash. Duh. How do you think we got into this mess to begin with? I recall my grandfather who lived through the depression era and continued working without going on the government charity, used to say it was an embarrassment to have debt. People looked down on people with debt or felt pity for them. I am not talking stupid debt like running up 10 grand on your credit card buying crap, no I am referring to any debt including mortgages! People actually used to only buy things they could afford! Imagine that! I know it is difficult to fathom but true. Buy what you can afford to buy and nothing more. Remember your home is not an asset until it is 36

yours and not the banks. Once you own it, then it is an asset. Until that time it is a liability as many, many, homeowners are just now discovering.
14. Prepare you own meals. You know that giant granite counter and those fancy appliances you had to have? USE them! Make your own meals. I know you love to eat out, who doesnt? But if you can cut out a dinner out or even fast food you will be richer, and healthier! This is also a great family time or neighbor time or friend time. Make it a regular thing, do pot lucks with your friends, and neighbors. This will save you money, keep you healthier, and bring you more joy. Three good things. 15. Do your own hair and nails. Dont laugh or shriek in horror! It can be done! I am saving over $2400.00 per year doing my own hair and nails. I do not have an easy no fuss hairdo either and I have a French manicure on my nails and my toes. I have long blonde hair in layers and I am not a natural blonde either, so I am not suggesting you look like a ragamuffin. How is one to feel fulfilled if they are not happy with their personal hygiene standards. This is not about lowering your standards. This is about getting something for less, and upping our quality of life and our life condition. Yes baby, we can have it all! It will take some practice but get a friend and help each other. Or at the very least get 2 mirrors set up so you can see the back of your head and be able to do it yourself! Cut your kids and husbands hair too. With the money you save, go on vacation, er, I mean, your annual shareholders meeting. 16. Buy drugstore make up. I was a professional singer and dancer for many years and I know how to do full stage makeup using nothing but drugstore products. You dont have to sacrifice beauty buying less expensive makeup. The only exception might be the foundation. If I were to splurge on a make up product, that would be the one thing that I think is of better quality than the drugstore alternatives. But for lipsticks, liners, blush, mascara, eyeshadows, honey, save your money and avoid the make up departments in the high end lines. 17. Skin care products. See number 16. Seriously, drugstore, even the grocery store carries plenty of great skin care products from Olay and Loreal, etc. Burts Bees is a great skin care line and compared with department store priced skin care it is a real bargain! For the aging skin I highly recommend Strivectin D but at $120.00 a bottle, forget about it! It gives me wrinkles even thinking about spending that kind of money on one little bottle of cream. So buy the Strivectin D for eyes! Its half the price and its the same formula only without the fragrance! Plus it is so concentrated that the one tube will last you a year! 18. Eat healthy. Buy only enough fruits and veggies you will use within a few days to avoid waste. While fresh fruits and veggies may cost more than breads and cereals the money you will save on health problems from a diet of processed foods and enriched flour could not only save your 37

life but your bank account as well. Did you know that so called enriched flour means that all the good stuff was removed during processing so they have to add some vitamins back in to enrich it . However, it is not even close to how healthy it would have been in the first place! Have you heard the expression white flour, white sugar equals white death? Well you have now. Its true. Its simple. Eat fresh fruits and veggies. Save money, be healthy and live longer.
19. Use cloth towels instead of paper towels! I know you older folks are shaking your heads right now but in the disposable world that my generation and younger grew up with we used paper towels! Disposable everything! Well right now we need to learn from an older and wiser generation and recapture their values too. Exing the paper towel is a small step, but it is a step in the right direction. I am all for moving forward but if paper towels are a step forward, the average cost of using 2 rolls per week or about $300.00 per year is a definite step backward. As in waste, rubbish, and added crap to landfills. 20. Wash your own car. This can save a bundle if you are one of those people that gets their car washed once a week using the cheapo $7.00 car wash that still adds up to $336.00 per year! Better yet, go to your local Hooters and help them organize a charity car wash (doing your car first, on the cuff of course for being such a great person, and you are a great person) then donate the proceeds to the charity! Everyone wins, its fun, helpful, your car gets cleaned and you have the tax deduction for your time and mileage putting it all together! Depending on your schedule you could do this once week for various charities using various restaurants. Or just wash your own car. 21. Make your gourmet coffee at home. This is a tough one for me. I admit it, I am a Starbucks addict. Latte Grandes, Java Chip Frappacinos, and those Vivanos! OMG! Okay, I must sacrifice. I want the vacations, I want my debt to be gone, if I cut out my daily Starbucks that saves me at least $1,454.40 per year! Now thats an OMG. Are you kidding me? Forgetaboutit! My trade off, I buy the Starbucks in the bag and make it at home. If I cut that out I could save an additional $240.00 per year buying 2 pounds a month but this book isnt about feeling unfulfilled. Its about feeling fulfilled but not being stupid. Im sorry, did I say stupid? I meant to say being a jerk. Oh dont be so sensitive, I am the jerk that spent $1,454.40 at Starbucks. Guess what happened? It all ended up in the ocean my friend, right down the toilet. Thats not even counting when I used my credit cards to pay for the damn things and then paid interest on top of that! Still turned to crap, or pee as it were. Expensive pee. I do adore Starbucks so that is my indugence. You may not love it as much and will be able to save tons more buying Folgers or Maxwell House or any number of cheaper brands. Me I drink several cups a day so it is basically a staple of my diet. Caffiene is also reported to lower your risk of liver cancer if you drink 3 to 4 cups a day. Its true! As reported in the journal of the Nati0nal Cancer Institute, a 10 year Japanese study led by Monami Inoue of the National Cancer Center in Tokyo analyzed the study of over 90,000 people over a 10 year period and found that those that did not consume coffee 38

had double the rate of liver cancer compared to those that consumed 3 to 4 cups of java per day. The study also compared drinking green tea which also contains caffeine and other antioxidants and found no association with drinking green tea and liver cancer. They were unable to compare the effects of de caffeinated coffee however as decaf is rarely consumed in Japan. In a separate study reported in the same issue of the journal showed a 52% decline in rectal cancer among people who regularly drank two or more cups decaffeinated coffee per day.
22. Get your shampoos and conditioners at the grocery store not the beauty parlor. Just because the bottle is prettier doesnt make the product better. Just because the bottle is prettier doesnt make the product better. Now keep repeating it. It should become your new mantra. Apply it liberally and often. 23. Barter for things. Or, offer a service or product . I have a neighbor that is a plumber (I know your jealous) and my chocolate chip cookies rule. Need I say more? Get creative! Network with friends, family and co workers to exchange products and services. 24. Pay down your debt. If you have debt especially credit card debt, try to pay them down or if possible pay them off as quickly as possible. Pay the most you can afford to the highest interest card first and work down from there. The monthly cash flow improves, and more importantly your peace of mind improves. Free your soul. Dont be a slave to the banks anymore. Do not let them lure you in with the delusion of them giving you something i.e. money. They are not. They are vultures, liars, and marketing experts. They are not giving you anything except a life of slavery. The only exception to this is maybe the business loan and home loans as theoretically and historically these should increase in value thus creating an asset not just a liability. 25. Dont waste money on expensive cleaning products. Most of the cleaning products we are marketed are made up nothing more than a pretty bottle, made up of mostly water, or bleach, or ammonia, or vinegar with added fragrance and other crap you dont need. Yeah I know it seems that there is a lot of crap going around. What can I say? In the immortal words of the late great George Carlin, its all Bullshit and its bad for ya. So buy basics, like the old powder cleanser i.e. Commet or other brand. You will also need some ammonia, some bleach and some vinegar, then mix them separately with 90% water. If must, buy some lemons and squeeze them into your own blends and put them in the old empty spray bottles. Your old 409 bottles or Windex bottles, etc. So you have your ammonia mix with water in one, your bleach and water mix in another, your vinegar and water in another. Label them and reuse them. This saves you a fortune! How many times have you gone to the grocery store and filled your cart with cleaning products and after spending over $100.00 bucks come home with nothing to eat? Its crazy. Buy food, real food at the grocery store and nothing else. (see number 18) Dont waste your grocery dollars on these ridiculous albeit well marketed cleaning products. Dont forget your new mantra Just because the bottle is prettier doesnt make the product better. Just because the 39

bottle is prettier doesnt make the product better. One exception to this is the Swifter floor cleaning system. These handy disposable wipes that fit on the swifter make the floor cleaning process so quick and easy that the time you save, you could be working on that business you started, or donating time to that charity. Also they offer a cloth version with a liquid instead so you could use that versus the disposable cloths but with 2 rescued Pit Bulls, a cat and 2 horses, plus running my non profit group Kids Caring For Animals Foundation out of my house, my floors get really dirty quick so the disposables works best for me. There is always an exception for every rule and this book isnt about being overworked and miserable. It is about playing the cards your dealt. We have an economic crisis but we wont fix it if we are all too depressed to do anything, so lighten up. Have faith. We can keep our homes clean and still eat. We just have to use our brains, and common sense, and maybe some sweat, all of which is good for us and will make us happy and fulfilled. Who knew it would take an economic crisis to do that? 26. Review your cell phone plan. Do you really need to be constantly wired or has it just become an expensive habit or convenience? Think it through and decide if it is worth what you are paying. Perhaps you can lower the rate? I once went several years with my cell plan only being able to check voice mail. The plan had little or zero minutes and I would check my voice mail from my land line so my cell phone which I had for emergency only cost $9.95 per month until they raised the rate to 15.95 per month. 27. Save on gas. Did you know you can save gas by taking right turns instead of left turns? UPS maps out its deliveries to do just that. Learn from them, if you have errands to run, or appointments to make and keep. Plan them so that you can do this the most efficient way possible taking right turns instead of left ones. This saves time and gas as you avoid sitting at lights or waiting for traffic while trying to make left turns. Also if you plan ahead you can do the tasks in bulk rather than spreading them out over several days. Simple but effective, and when filling your tank costs the equivalent of a date to the movies with your favorite girl including popcorn and candy then its worth it to take the time to plan ahead. Also plan your routes and outings, if you have a doctor appointment tomorrow and it is near the grocery store, do you really need to go to the grocery today? My guess is unless you are out of toilet paper or any paper that you could substitute as toilet paper than you can wait till tomorrow and go to the store after your appointment! 28. Cancel your gym membership. I didnt say stop working out. Just stop paying to move your body. Running is free, pick up some used weights usually found in your local classified for sale, along with any other workout equipment that might suit your fancy at a fraction of the cost. Many people will part with their large bulky unwanted equipment for next to nothing being happy to have someone pick it up and get it off their hands (or taking up needed space as is typically the case). 29. Buy cheap tooth whitening toothpaste. If whitening your teeth is high on your list Ultrabrite is a great alternative to more expensive teeth whiteners. 40

30. Cut out the dry cleaning. Even when the label says Dry Clean Only it is rarely true. Hand wash and line dry. (see numbers 2 and 3). My husband used to send a bag to the drycleaners about once or twice a month at an average cost of $60.00 per cleaning. Thats $120.00 per month or $1,440.00 per year! My shareholders meeting is looking better all the time! Or if you still havent paid off your credit cards there is a nice chunk of change that is painless to save. 31. Drink tap water. Havent you heard that the plastic bottles you buy your good water in causes cancer? Well it is debatable I am sure, but thats the word on the street and according to some sources Canada is considering banning plastic bottles. So its not a bad idea to just say no. Instead, save your glass bottles from the vodka you will need to drink in order to get through this crisis! Well lets hope thats not your only remedy and you will take the advice in our guide as your guide. After washing out our safe glass bottles fill them with water and keep them in the fridge so they are handy. You probably already have a water filter system that you paid for with credit anyway, so offset the cost stupid, I mean jerk, I mean nice person that did foolish things with their money that wasnt even their money but rather the banks money that you were conned you into thinking was a gift, or favor, status symbol, proof that you made it, or something (those scoundrels)! They even gave you a card with a picture of your favorite hobby on it! How nice of them. NOT! Thomas Jefferson once said bankers are synonymous with scoundrels. God I wish Tommy was alive and living in Washington DC today! 32. Rent out your home or just a room in your home. If you are really down and out with no job, no income, no family that is willing to support you, then time to see if you can find someone else to pay down your mortgage for you. This option means you will be searching for a new home, condo, or crash pad but hopefully at a fraction of cost of the mortgage you pay. It allows you to keep your home and not the payment. At least until things turn around. It means being a landlord and other responsibilities so be sure this is something you can handle but for some it could be the answer they are looking for.
The Following was found on Yahoo Money and while it is pretty tongue in cheek it might help if only to make you smile!
10 Ways To Survive Without a Bailout

Rick Newman Monday February 23, 2009, 8:06 am EST
If you haven't qualified for a bailout by now, your chances are sinking fast. Washington has spent just about all the money it can stomach for awhile and done its best to give something to everybody. If you're not in a line for a tax cut or housing rebate or mortgage modification or green-energy job, you may have little choice but to wait for the next financial meltdown.
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But who says the whole solution has to be about jobs and money? There are plenty of ways to while away a recession and maybe even bail yourself out in the process. Such as: 1. Fix something. Look around your house. There are plenty of things that don't work right. Maybe it's something old and mechanical, like a blender or the bike you haven't ridden in years. Or maybe it's something new and digital, like a camera or a laptop with a virus. You used to pay somebody else to fix things like this, or just trash the offending gizmo and buy another one. But now you're cutting back on extravagances. So find the manual, or download it, and tackle the job yourself. And when you start to feel comfortable with your new repair skills, come over to my house and help with my pile of projects. [See how to tell when the economy's getting better. http://www.usnews.com/blogs/flowchart/2009/2/12/how-to-tell-when-the-economys-gettingbetter.html ] 2. Learn how we got into this mess. For people who don't work in the financial industry or the news media, the financial crisis is hard to comprehend. But new resources are emerging that do a good job of demystifying esoteric stuff like subprime lending, mortgage-backed securities, credit-default swaps and all the other things that helped cause the recession. The nonprofit Milken Institute has published a dry-sounding report - "The Rise and Fall of the U.S. Mortgage and Credit Markets http://www.milkeninstitute.org/pdf/Riseandfallexcerpt.pdf " - that's actually a concise, readable explanation of how the housing boom and bust produced the worst recession in at least a generation. A new book by Dave Kansas, The Wall Street Journal Guide to the End of Wall Street As We Know It http://www.harpercollins.com/books/9780061798962/The_Wall_Street_Journal_Guide_to_the_ End_of_Wall_Street_as_We_Know_It/index.aspx , tracks the crisis back to its roots in the S&L debacle of the 1980s - in merciful plain English. Other useful primers are sure to materialize soon. A better understanding of what happened won't end the recession, but it will make you a lot smarter about your financial life and other decisions in the future. 3. Have more sex. Consumer confidence is dismal, and we need something to feel good about. Why not sex? Europeans have charged for years that Americans are overworked and undersexed. Let's prove them wrong. If done right, it will take your mind off your dwindling retirement fund or your precarious job prospects. Another bonus: If you have a partner, it ought to be free. And if you don't have a partner, well, you didn't get this advice from me. 4. Start a blog. Feel like adding your voice to the growing national rant? This is how. A lot of hosting sites, like blogger.com, are free, while others, like wordpress.com, charge a few bucks a month and give you more control. If your friends like what you have to say, your blog will gain popularity. If they don't, then it's better that you channel your vituperations into cyberspace anyway. And there's a good chance you'll discover other bloggers who feel the same way you do. [Find out how to skirt taxes and still land a plum job. http://www.usnews.com/blogs/flowchart/2009/2/4/how-to-skirt-taxes-and-still-land-a-plumjob.html ]
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5. Solve a problem. We've all become experts at complaining about the problems that ail America. How about solving one? Start small. Mediate a family spat or help a struggling student raise his grade by a notch. When you get bogged down, pretend you're Tim Geithner or Ben Bernanke trying to solve the foreclosure epidemic: Sure, you could dither forever trying to figure out the fairest outcome for everybody. But you might die of old age first, while the problem mushrooms. So do a little something now instead of waiting for a universal solution to materialize later. 6. Make a movie. Decent digital videocameras cost less than $200, and less than $100 used. Software for adding background music and special effects is cheap, or free. Your movie doesn't have to be great - in fact, it probably won't be. But it will fire up some synapses that have been dormant or dedicated to worry, and it will be fun to see it on YouTube. Combine with No. 3 above, and you'll discover the most profitable industry on the Internet. [See how Wall Street continues to doom itself. http://www.usnews.com/blogs/flowchart/2009/1/30/how-wall-continues-to-doom-itself.html ] 7. Stop using clichs. Please, no more economic tsunamis or Ponzi schemes for awhile. Stop throwing out the baby, with or without the bathwater. Everybody knows the party's over, so you don't need to keep reminding us. Stop looking for the light at the end of the tunnel. And if you feel the audacity of hope or some variation, keep it to yourself. Mouthing clichs is a hard habit to break, because these well-known turns of phrase often express ideas in more vivid terms than most people can come up with on their own. But speak a little slower and give it a try. Maybe by the end of the recession, we'll be a more eloquent nation. Bonus points go to anybody who can come up with fresh words to replace "bailout," "stimulus," and "shovel-ready." (Send nominations to flowchart@usnews.com.) [See why "Wall Street talent" is an oxymoron. http://www.usnews.com/blogs/flowchart/2009/1/28/let-the-wall-st-talent-walk.html] 8. Innovate. Come up with a better way of doing something. You don't need a business plan or investors, just some keen observational powers and a bit of cleverness. Maybe there's a better way to clean up after your dog. Or get your groceries home without using plastic bags. Or plan a week's worth of school lunches for your kids. When you feel like you've actually done it, say so in your blog or just mention it to friends. Even if you don't get paid for it, you'll find it satisfying. And who knows, you might discover the kernel of a business idea. 9. Babysit for a working Mom. Everybody's got it tough. They've got it tougher. Just an hour or two of extra childcare per week could ease a great deal of stress. Tell yourself you're doing it for the children of the world. If you really want to be a saint, do it for a single working Mom. [Read about one CEO who gets it. http://www.usnews.com/blogs/flowchart/2009/2/6/one-ceowho-gets-it.html ] 10. Help fix capitalism. Spend your money smarter. Pay as you go. Ask a million dumb questions until you're sure you understand what you're getting into. Take intelligent risks, but ask
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yourself what could possibly go wrong - and have a plausible backup plan in case they do. Shame the deadbeats by outperforming and outmaneuvering them. Most of all, solve your own problems instead of hoping that somebody else will. Because there will never be a bailout big enough to cover everybody.
Coupons are like CASH!

Here is a list of online printable coupon sites. Coupons for free work outs, products, restaurants, and discounts from a menagerie of companies. Some charge a membership fee and some dont. We included both so you can choose which works best for you. http://www.wow-coupons.com/all-printable-retail-coupons.php http://www.allprintablecoupons.com/ http://www.couponsurfer.com/ http://www.ppgazette.com/ http://www.kfc.com/coupons/ http://www.kroger.com/in_store/Pages/coupon_landing.aspx http://print.coupons.com/CouponWeb/Offers.aspx?pid=13306&zid=iq37&nid=10
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Here are some tips shared in the free e-book, Cut Your Grocery Bill in Half from CouponMom.com:
1. Know Your Top 10 Grocery Items. What do you consume the most? For example, growing up our household always had milk, eggs, and bread on the shopping list. Make a list of the items you regularly consume. If you track just the prices of these specific items you can reap major savings. Make a list of your top 10. Then compare the prices, apples-to-apples and week-to-week, in the stores you shop. 2. Does Your Store Double Coupon? Common sense says that the store brand is generally less expensive than the name brand. But, if your store doubles coupons a name brand item can end up costing less than the store brand. The secret is to track your top 10 items so you know first when the price is the lowest and second, if/when a coupon will be doubled. 3. How Is Buy One, Get One Free Calculated? Ask your store manager how the buy one, get one free is calculated. Does one item ring up full price and the second item free? Or are both items rung in at half price? If the latter you can legitimately use two coupons for the purchase, thus saving more! 4. Can Coupons Be Electronically Delivered to Your Loyalty Card? Some stores will automatically add coupons to your loyalty card so there is no need to cut them out of the paper, or remember to bring them with you! You can find out by going to the website of your favorite grocery store. If you use Upromise to save for college or pay off your student loans you can also link coupons electronically to your debit card. 5. Will the Store Email You Coupons or Weekly Circulars?
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If you subscribe to several grocery weeklies you can quickly see who has the best prices for your Top 10 items. Sometimes stores will email you coupons you can print at home, too. Keep all your coupons in an organized folder. 6. Can You Join Specific Programs Like Pet Care? Some stores will provide coupons for different shopper demographics. For example, new mothers can sometimes get emails for discounts on baby care items. Pet owners can get discounts based on the pets in a household. 7. Does Your Store Accept Competitors Coupons? If so, it makes it a lot easier to choose which store to patronize. Choose the one with the best deals for you. 8. Are There Additional Loyalty Card Perks? Will you get a money-off coupon if you spend a certain amount at their store? If so, know the threshold and factor that into your shopping decisions. 9. Can You Use Both Store Coupons and Manufacturers Coupons on the Same Item? Some grocery stores allow you to double up. If so, you can use the coupon issued for the store AND a manufacturers coupon and double your savings. Buy when an item is already reduced and youve got greater savings. 10. Are There Coupon Limits for the Same Order? Some stores impose a coupon limit for each visit. No problem. Just send your kid, friend, spouse, or partner through another line with the other items to take advantage of deep discounts. Consider splitting large bounties with the person who helped you buy at a discount. Is that all? Hardly. Theres a reason some coupon clippers are self-described fanatics. Even casual coupon use can save you some money if youre buying something you regularly use.
Surviving (and thriving) on $12,000 a year

http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/SurvivingAndThrivingOn12000AY ear.aspx
Free Stuff You Actually Want!

http://food.yahoo.com/blog/foxyfestivities/14632/free-stuff-you-actually-want/
Fabulous Freebies!
http://content.kiplinger.com/tools/slideshows/slideshow_pop.html?nm=freebies_2008
We sincerely hope that you have found our guide to be informative, helpful and even entertaining! We have been able to save literally thousands of dollars following these tips and tricks and advice. You can too! This is a profound time in our US history. It is a time of struggle 46

but can also be time to grow and become stronger, happier and more fulfilled in the process. We wish you all the best to not only survive but thrive these tough economic times. Please feel free to write to us with your experience using the guide or if you have additional tips and tricks that you have found to be successful and we will add them to our ever growing guide. info@economicsuvivalguide.org
Misc. Links to more Blogs and posts

Corruption, Fannie Mae, Foreclosure Fraud, MERS, Mortgage Fraud, bankruptcy, cdo, foreclosure, freddie mac, mortgage electronic registration system, securities fraud Tagged with 4closurefraud, appeal foreclosure, assignment, bank fraud, bogus, bogus assignee, bogus assignments, brittany snow, cdo, cds, Christina Huang, clouded title, conspiracy, criminal, fis, foreclosure, Foreclosure Fraud, forgery, fraud, freddie mac, jessica ohde, kor, Korell Harp, LINDA GREEN, livinglies, lps, lps criminal investigation, MERS, mortgage electronic registration system, Mortgage Fraud, pat kingston, produce the note, recordings, Tywanna Thomas, wrongful foreclosure
About the Founder Lynn Chase is a 10 year certified paralegal living at Ground Zero Las Vegas. In 2006, after
selling a successful legal support company that Lynn owned and operated things were looking great. She owned a beautiful property with horses and views and it had been appraised at $830,000.00 in JULY of 2007. Prices had clearly began dropping but her appraisal actually had gone up from December of 2006. As of Oct. 2, 2010 the home is currently worth $270,000.00 about $220,000.00 less than is owed on the property. As you can see Lynn had close to $350,000.00 in equity. She was planning on selling the property after selling her business in 2006, however due to illness in the family that was postponed. Then the purchaser of her business defaulted and filed bankruptcy. His only asset was underwater. Next, following death of the family member, came unemployment. The savings was depleted but carried them for over year as she had diligently saved for such a rainy day as she had been taught, and no payment was ever missed to any creditor. When the realization came the income was not there anymore and may not be there for some time or ever, she began calling the banks before she missed any payments, She soon discovered that there was no hope and no help as the system is not set up to offer any real help to anyone that has been formerly a productive citizen, paying taxes, abiding by the rules, being conservative with investments, not carrying too much debt. She likes to say If I had known then, what I know now, I would have just been down at the casinos betting my money! Probably would have been safer and a lot more fun!. After trying all the government sponsored programs to save your home and not finding success she bewilderedly began researching why and how this could have happened. She did not get a subprime loan or no money down. She worked hard, contributed to charity, and was a good person. How did this happen? She knew one of her ancestors was Solomon P. Chase who was one of the people that signed the Declaration of Independence but in her research she soon discovered that he was also one of the people that pushed to pass the National Banking Act 1863 Act- (ch. 58, 12 Stat. 665, February 25, 1863) . "My agency in promoting the passage of the
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National Banking Act was the greatest financial mistake in my life. It has built up a monopoly which affects every interest in the country" - Salmon P. Chase (Lincoln's former secretary of Treasury just before Lincoln's death regretting past decisions). She now feels it is part of her ancestral duty to try and undo the damage one of her own ancestors helped to create, and that ironically has led to the economic collapse she and millions of Americans are currently in.
Disclaimer: We are not attorneys and are not offering legal advice. Please consult with an attorney regarding your personal situation.
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