Another one of my Business Practice suggestions to our government, that I’ll reveal now, would be to abolish the entire Credit Rating System yesterday. Why? The reason is the entire system was irresponsibly, immorally, unethically, and illegally created to begin with in order to deliberately drive the majority of Americans and their businesses into a [...]

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As we enter the year 2008 there are numerous benefits to mandating the implementation of real estate Lender Workouts and Lender Short Sales. Several of them are as follows:
1.   Lending industry losses would be substantially reduced
2.   Mortgage insurance industry losses would be substantially reduced
3.   Requests for and amounts of government bailouts would be substantially reduced
4.   [...]

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As we enter the year 2008, American property owners should now also be legally permitted to approach their current lenders and have their mortgage principle balances reduced when they are able to document that they are experiencing legitimate financial hardships and that they owe more on their properties than what they are actually worth. This [...]

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As we enter the year 2008, American property owners should now be legally permitted to approach their current lenders and have their monthly mortgage payments reduced to reasonable and affordable amounts when they are able to document that they are experiencing legitimate financial hardships. This concept is known as either a lender workout or a [...]

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There is absolutely no question about it. The existence and continuation of the strongest   Buyer’s Market of all time has significantly and negatively impacted the American Dream. Whoever would have imagined that after approximately 228 years that the American Dream of Real Estate Ownership would turn into the American Nightmare for millions of Americans as [...]

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When I say worst real estate market in U. S. history here’s what I mean. Since the year 2004 the United States has slipped into the strongest Buyer’s Market of all time. A Buyer’s Market traditionally favors home buyers. Why? Because the number of Sellers (supply) is greater than the number of Buyers (demand). As [...]

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As we enter the year 2008 the only way at this point in time to conceptually avoid the coming of the Second Great Depression and get the U. S. real estate market and overall economy stabilized and gradually back on positive tracks is to see that new, revolutionary, state of the art, and management to [...]

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Dear Barack and America,
Do You Know The Answers To The Following Questions ?
1.  Why should lender and creditor modifications in all consumer debt level  categories be legally mandated at this point in time ?
2. Why should lender and creditor short sales in all consumer debt level  categories be legally mandated at this point in time ?
3.  How should legally mandated lender and [...]

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As I write in the spring of 2008 I want to take the time to extend my sincerest and best wishes to our next president of the United States ( Barack Obama ), his vice president (who I believe will be Joe Biden), and his administration (which will include Hillary Clinton). The reason is they [...]

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Whether someone is an optimist, pessimist, or realist the truth of the matter is that America here in the year 2008 is no longer alright for itself both financially and psychologically. Now for those of you who do not agree, would you please answer the following questions:
11. Why are there record breaking amounts of consumers [...]

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