Dear John and America,
Do You Know The Answers To The Following Questions ?
1.  Do you know what a 90% – 10% U.S. economy means ?
2.  Do you know what a 30% – 70% U.S. economy means ?
3.  Do you know why the United States has gone from a 90% - 10% economy to a 30% – 70% one in [...]

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The United States Must Get Back To A 90% – 10% Economy
           
As we have learned since late 2004 and early 2005 the United States has slipped into its worst real estate market and overall economy in history as a result of the birth and continuation of massive payment delinquencies in all consumer debt level categories. [...]

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Dear Ben and America,
Do  You Know The Answers To The Following Questions ?
1.  What were the 5 major reasons why massive payment delinquencies in all consumer debt levels started in late 2004 and early 2005 ?
2.  Why did massive payment delinquencies in all consumer debt level categories back in late 2004 and early 2005 start an enormous negative domino ripple effect [...]

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U.S. Real Estate Market And Overall Economy
Have Very Serious Problems
America has 6 Categories of  monumental Financial Problems that have brought our real estate market and overall economy to their knees both financially and psychologically since late 2004 and early 2005.
Most people, especially the ones that have not yet been affected by America’s financial crisis, have no concept of how [...]

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Here’s the short short version of how America’s real estate market and overall economic financial crisis started.
The Birth Of Massive Payment Delinquencies
As a result of all time record breaking amounts of consumer borrowing and spending combined with all time record breaking amounts of  irresponsible, immoral, unethical and illegal lending industry business practices between the six year [...]

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The Fundamentals Of The U. S. Economy Have Terminal Cancer
Since the year 2004 whenever I’ve heard a politician, so-called economic expert, media person, or anyone for that matter say that the fundamentals of the U. S. economy are basically sound I immediately know one of two things. First, the person making the comment doesn’t know [...]

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The 9 Conceptual Solutions That Will End U.S. Financial Crisis
There are thousands of secrets, suggestions and tips that I can give the government of the United States  that would end America’s Financial Crisis very quickly  and very successfully. They are in 9 Conceptual Solution Categories and they are as follows
1.  The 6 Fundamentals Of U.S. Economy Must Start [...]

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 Have Passion And Put Consumers First
One of the most questions I have gotten throughout my real estate production and educational career is the following one.
Phil, what is your philosophy about how to be successful in business ?
Here’s my short and sweet answer.
Have passion for what you do and always put consumer customers and clients first by providing [...]

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Here’s the short short version of how America’s real estate market and overall economic financial crisis started.
The Birth Of Massive Payment Delinquencies
As a result of all time record breaking amounts of consumer borrowing and spending combined with all time record breaking amounts of  irresponsible, immoral, unethical and illegal lending industry business practices between the six year [...]

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How Bad Is The U.S. Financial Crisis ?
If the current U.S. real estate market and overall economic financial crisis were an epidemic here’s what you would see.
You would see about 70% Americans lying on the ground either very sick or even dead.  The sick ones are victims of Recessions because of being partially financially and psychologically devastated. The [...]

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