Michigan Today — Home And Health Care

Real Hope and Change

Update On West Michigan Oil Spill – Evacuation in Progress

July 29th, 2010

     About 50 families (residents) living in Calhoun County near or in the city

limits of Marshall and town of Galesburg are being asked to voluntarily evacuate,

because the oil fumes (Oil and Benzene vapors) from the oil pipeline spill are

carcinogenic and so would be harmful to breathe.

        The good news is that about 1/2 of the oil (about 450,000 gallons) has so far

been collected along Tallmade Creek and the Kalamazoo River.   Authorities are

promising that the spill will be cleaned-up to pre-existing conditions.   Currently

Enbridge, the company responsible, is using oil skimmers, vacume trucks, and

absorbent booms to help correct the environmental disaster.   The oil thus far

has killed lots of fish and has caked geese along the Kalamazoo River besides

threatening Morrow Lake and Lake Michigan.   Families displaced will be put

up in motels within the area.   It is unknown how long this displacement will

be.  Water Wells are also at risk, so people are also being advised not to drink

the water.   

     The sad part of this oil spill is that it could have been prevented.  The U.S. Depart.

of Transportation’s Pipeline had warned the company back in January  that they

 were not properly protecting or monitorring the corrision in the pipe.

     If you are concerned about your health or toxins within the environment

please visit this site — it may just save your life or strengthen your immune

system.   For any questions call 1.800.826.1929 about this exciting

wellness site.

West Michigan Oil Spill

July 29th, 2010

    Who would have thought that Michigan would have
a serious oil problem similar to Florida. Last Sunday,
July 25,2010, people in the City of Marshall called 911
complaining of oil fumes. The police went out on the call,
but did not find anything until Monday morning when oil was
spotted in the Kalamazoo River. Marshall is a quaint town
and holds the County Court near Battle Creek. Some workers
working in the middle of the City of Battle Creek today
complained that they could smell the toxic fumes and were
experiencing headaches. Some people are highly sensitive
to this smell. I walked downtown, but didn’t detect the odor,
but I am sure it is real.

It turns out that a fifty year old pipeline is to blame.
Officials are guessing that an oil pipe has rusted and broken
somewhere in the woods near the Kalamazoo River. The pipe
is part of the pipeline owned by a company called Enbridge.
To date (four days after the discovery), the broken pipe has
not been located. They did find an elbow pipe and cap exposed
that was all rusted and corroded. The pipe is about 30 inches
round and carries about 8 million gallons of oil a day. At this
particular time, it is estimated that about 1 million gallons of oil
has leaked out.

Consequently, the FEDs have ordered the pipeline totally shut down.
(At least the oil flow could be shut-off completely.) This pipeline runs
from Indiana all the way up into Onatario, Canada. The
Kalamazoo River runs into Morrow Lake and Lake Michigan. Citizens
living near the River are concerned about the oil coming into their
homes and affecting their drinking water. Many wells are quite
shallow. Calhoun and Kalamazoo Counties have experienced heavy
rainfall within the last week so the Kalamazoo River and creeks are high
and the currents are strong. Some homes built near the River and
surrounding creeks have flooded basements. The fisherman have
stopped fishing in their favorite fishing holes on the Kalamazoo River.
Small canoe rental businesses have shut down in the height of their season.

Oil booms are in place with trucks too, but Governor Granholm says
we don’t have enough yet. They are trying to keep the oil out of
Morrow Lake. Animal sanctuaries are also being set-up on Church
property and people are being told that they can help by donating
money to help save the wildlife. Hopefully, this spill can be halted
and contained before any oil reaches Lake Michigan. Michiganders
are worried about the oil, windmills, and Asian Carp invading this beautiful
pristine and scenic fresh water lake.

Granholm this spring spent a huge amount of stimulus money in ad
campaigns to get tourists to come visit this great State of Michigan and
until now the ads were attracting many visitors. Now, we are getting national
attention with President O’bama coming to Holland for a ground breaking
ceremony for a new lithium-ion battery Korean chemical plant and for
the oil spill. Well, at least some more jobs will be created due to this disaster.
Michigan’s unemployment rate is really in the double digits.

This oil spill does, though, honestly show how fragile our infrastructure is. Roads,
bridges, power companies, and pipelines are all old. Winters are cold and harsh
on our cars, roads and pipes. The State of Michigan is also broke. A lot of
stimulus money was spent to light up and dress up the sidewalks and roads of
each main street in all the towns of Michigan. Each town in Michigan now has
the same brick, handicapped curbless cuts, and lamp posts — attractive maybe,
but soon the money will all be gone.   Money was also spent to clean-up the
previously toxic Kalamazoo River.

Eventually, perhaps an inventor from Detroit will mass produce an automobile that
does not run on oil, but maybe water. We will be buying water instead or
maybe purchasing O’bama’s Volt when it drops from $40,000 to perhaps $12,000.
The technology is here, but the Statists, Oil Companies, and Wall Street are not
quite ready for the change. I have mixed feelings too, because I don’t think my
pocketbook can handle all of the needed changes. However, which is more
important, your health or your money? It’s on the horizon, and with more spills,
pushes and pulls, we will change and arrive in the 21st century. In the meantime, I can
see gasoline at the pumps and home heating oil skyrocketing this winter. Hopefully,
Michigan residents won’t freeze to death and will be able to afford a gallon
of gas to get to work if one is lucky enough to have a job. In the long run and
in hindsight, maybe O’bama is leading this country in the right direction. Yet, I
don’t agree with his socialistic and cap & tax policies. Private industry and the
free market, if given the proper economic climate and left alone, can produce
wonders!

If you are concerned about your health and all of the toxins in our environment,
please visit this site. It may just save your life and help your immune system.
Have a great day.

Principal Balance Mortgage Reductions Can Kick Start This Economy

July 27th, 2010

Principal Balance Mortgage Reductions would help
stimulate this economy in addition to just extending George
Bush’s tax cuts. This would greatly help the middle class
and the housing industry. Normally, to pull this country
out of a recession, it takes a strong real estate market and
consumer spending. At this time, though, consumer
confidence is at an all time low.

People are scared of losing their jobs and are having
difficulty paying down on debt, saving some money, and
just paying for everyday expenses. Energy costs and
consumer prices on goods and services keep rising not to
mention the taxes that are on the horizon.

One need only to visit a utility company to find out that
many families and individuals are living day to day.
It used to be that people lived week to week or paycheck to
paycheck. That is no longer the case. People are waiting
until the last minute to make their utility payments or until
the last day before a shut-off.   There actually has been a 10%
increase in the number of people who are late in paying. Many
of these families have never been late before.  (Note:  In
California, it is becoming common place for people to be camping
out in their own homes – utilitites have all been shut-off. Does
this sound like a depression or what?

Grand Rapids’ Consumer’s Energy’s parking lot was jammed last
week as homeowners and renters came in to pay their past due bills.
Consumer’s had sent hundreds of shut-off notices out.
People continue to cut back on usage only to face rate hikes,
thus cancelling out any savings. What is worrisome is that this
is summer – what will winter bring?

It’s not that people don’t want to get out of debt, but
they just can’t. Many homeowners in Michigan have gone
through their 3 to 6 months savings, or are unable to save a
dollar. High credit card fees, gasoline and energy costs,
and food prices make it almost impossible for people to pay
down on their debts.

In this economic climate, housing prices have dropped
due to foreclosures and this weak economy. Consequently,
people are upside down in their homes and just struggling
to make their monthly mortgage payments. A new wave of
foreclosures is on the horizon.

One can see it. The gulf oil has been shut-off and Columbia
is threatening to stop oil from flowing. Iran and North Korea
are thumping their chests over nuclear power and weapons.
China and Russia are positioning the world for a new currency
to devalue the dollar. The United States has a huge trillion
dollar debt, and will probably be unable to make the interest
payments once the dollar falls.

In addition, we are facing the high costs associated with a
socialized healthcare program; and the threatened cap and trade
tax to make this country go green. Pension funds and Social
Security are also at risk. All in all, either we have some stupid
Economists/planners in the White House and in Congress or we
are predestined to be a third world country by design. I haven’t
even mentioned inflation.

I suppose banks, like corporations, are pulling out of
America. However, if the politicians really want to save
this great nation, we can force banks to do Principal Balance
Reductions for struggling homeowners and those that are
underwater. This would stop the increase in foreclosures, and
help the middle class gain control of their finances and allow
them to save money so that they may in the near future be able to
spend money on some goods and services. People could also
have some money to invest in small businesses to help “grow”
jobs in the private sector. Even President O’bama is realizing
that small businesses are not creating jobs. Why is that?
Some cities out West are again enacting the homestead act just
to get homes and land back onto the tax roles.

How can people or small businesses save or spend money
within this business climate? The only optimists that I have
met are the financial planners in banks or financial institutions.
They are encouraging people to invest in their annuities and
mutual funds at 2.75% interest. However, I know that most
banks don’t really have any money to loan. Over 100 banks
this year have imploded. No, the best place to put your cash is
under your mattress or maybe to invest in precious metals or food.

If you can relate to the above story and are facing foreclosure
or are upside down in your home, call Foreclosure Prevention
Institute, LLC
at 1.800.826.1929 for assistance. We know how
to force banks to come to the table and negotiate modified
loan terms and rates. Ask about a forensic loan audit and a
Trustee Principal Balance Mortgage Reduction. We have
many financial services including debt settlement and consolidation
to help you find financial freedom and peace of mind.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929
brigle@appraisaloffice.biz

Save America by Stopping Foreclosure

Your Income Is Not Yours!

July 23rd, 2010

     Oh my gosh, it has now been said on the floor of Congress by Byron L. Dorgan of

North Dakota, a Democrat, that if they were to reduce your taxes, this country’s income

would be reduced.  The fallacy of this statement is that as taxes are reduced their

coffers increase, and job creation develops and expands.  However, this January,

our taxes will be at the highest level ever, and will continue to increase the

following months as the healthcare bill is implemented.  

     If you follow the Dem’s belief system then as the federal and state governments

continue to spend, spend, and spend; you will ultimately be taxed at

one hundred percent of your salary.  The government will then take your

income spread it around to whoever they want, and maybe if you are lucky

you will be on the receiving end to get a benefit, an entitlement, or a subsidy

so you might live a meager existence.   If you are rich but not of the

establishment or of the right class, you may be able to rent a little hut or

apartment and have a bicycle, horse, buggy or little electric “bug” to travel

to work so you can give your paycheck to Uncle Sam.   That’s fair, uh?

Watch this video link on C-Span to see for yourself and read the following article

link by Erick Erickson for more on this topic.  Oh, and go find Robin Hood.

more on this topic.

     Better reduce your principal mortgage balance, consolidate or settle your

debts now while you still can. Call Foreclosure Prevention Institute and talk

to Dave Brigle today at 1.800.826.1929 or for more information go to

http://UpdateMyMortgage.com/brigle.

Get Your Financial Bailout With A Debt Settlement

Save America by Stopping Foreclosure

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, Michigan 49017
brigle@appraisaloffice.biz
http://ForeclosurePreventionInstitute.com
1.800.826.1929

We are a national company
Will be glad to evaluate your situation
and provide you with our best solution or
steer you in the right direction.

The Country Bumpkin Versus The Ruling Class

July 21st, 2010

     I am just a Country Bumpkin who detests statuuuuuusss and the Ruling Class.

I hate to be told “I can’t” or told what to do or told what to think.  I like to think

that I have morals and am a hard-working and an honest smart individual.  However,

have you ever noticed, though, that typically the incompetent and immoral cheats

always seem to rise to the top and trample over everyone else’s rights?  Often times,

they are supported by their peers who have power since they belong to the

 ”ruling class.”   Case in point, the next Supreme Court Justice Kagan who has no

 knowledge of the law nor of the Constitution is simply elected to be a rubber stamp

for President O’bama’s agenda.   Thus, she is held in high regard and esteem by

the Democrats.  Lindsey Graham, a S.C. Republican disguised in sheepskin, says

even though he would never have nominated her in a million years,  he will

staunchly support and vote for her because President O’bama nominated her

for her intelligence.   Why, she could only hee haw through the whole hearing and

never could just say,  ”No, that the government has no right to tell us what to eat.”

Lindseed, the cornflake that he is, also forgot the fact that he was elected to uphold

the Constitution.   He knows darn well that she won’t protect the Constitution,

because the ends justify the means.   Now, we are stuck with her for years even after

we successfully dethrone ”The Ruler;” and Lindsey Graham was probably well-paid

with big promises from “Bam Bam.”   Time will tell…maybe even Lindseed will be soon

thrashed and thrown out.

      If you follow this line of thinking and want a clearer picture of what is happening to

our country, I urge you to take 10 minutes and read this revolutionary article called

America’s Ruling Class — And the Perils of Revolution.  It explains the Progressive

Movement, Libertarians, and the whole “Grand Design.”  You will understand

why there is little difference between the Republican and Democratic Party,

and how the common man is to be down-trodden and kept in his place.   Did

you know that President Reagan, a cowboy, was widely despised by

“The Ruling Class?”  He was for lower taxes and believed in the American Spirit

of self-rule.

     This article,http://spectator.org/archives/2010/07/16/americas-ruling-class-and-the/4,

is an historical account and directly explains how one is to succeed in this new society.  The

Ruling Class will decide which individuals or small businesses will get the government subsidies

to prosper.  Certainly, Congressmen don’t need to “read the bills, stupid.”   They just need to know

how the power is to be unleashed and who will benefit.  It’s not a pretty picture…August 3rd can’t

come soon enough. 

My Country "Beef" 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Talk to “Dave about his Michigan Beef,” and
Trustee Principal Balance Mortgage Reduction.

Don’t Abandon Your Mortgage, Be Strategic!

July 19th, 2010

Saving the American Dream 800.826.1929

Homeowners who want to strategically walk
away from their mortgages
even though they can make the payments
will be running into penalties and
financial risks come October. Fannie Mae
says that homeowners who default
will not be able to obtain new Fannie Mae
acked loans for 7 years after
their foreclosure and will attempt to go
after the defaulters for the outstanding
balance fo the debt. FHA is hoping the
Senate will pass a bill that will prevent
any strategic defaulter from insuring
mortgages for those that purposefully
defaulted on their mortgage.

These new policies are to curb bad behavior and to keep homeowners
morally obligated to pay on their mortgages when 25% of borrowers now owe
more than their homes are worth. Forget the fact, that the banks and their fancy
derivatives caused this whole meltdown of the mortgage industry. Furthermore,
just like a bankruptcy, a foreclosure damages one’s credit quite severely. Banks are
not wanting to lend to anyone who even has a decent credit score let alone
someone who just recently defaulted on a mortgage. No siree, banks and the
government just want to spank the American public and tank the economy even
more. O’bama certainly does carry the “big stick.”

Fannie Mae purchases about 40% of all mortgages and then bundles them
and resells them to investors, and Federal Housing Authority insures about 30% of
residential mortgages. Freddie Mac is considering Fannie Mae’s policy. There is
no thought in changing bankruptcy laws to allow bankruptcy judges to reduce
debtors’ mortgages.

How will these government agencies determine who can afford their mortgages?
They will be looking at people’s credit and observing whether they have access to credit
and if other debts and obligations are being paid. The premise is that the homeowners
have strong influence in getting this nation back on track. I am sure there are some
homeowners who may appear to be able to pay, but have maintained some credit to
allow for cash flow, to keep their small business running, or just to put gas in their
automobile.

In reality, this is another tactic to keep people slaves to the banks. First, the change
in bankruptcy laws and credit card legislation.   Many people who became over-extended
for whatever reason, found it more important to keep their credit cards current rather than
their mortgages due to excessive fees.  Now, homeowners will be paying on their homes even
when it makes no financial sense. 

Banks got the bail-outs, but chose not to assist troubled homeowners in modifying their
loans since lenders and servicing companies made more money by foreclosing.   Today,
banks are refusing to delay a foreclosure sale no matter the reason.  So, of course,
banks and Wall Street are running scared that homeowners and Main Street are looking
at what’s best for their portfolios.

This type of aggressive treatment and attitude will not be forgotten. Whether people
made bad decisions or lives were turned upside down by this economy, people’s
spending habits have probably changed for the “good” and forever. They are also
saving and choosing not to make large purchases with so much uncertainty. Job
security is gone private and public with the Nation’s overspending and the taxation
that is about to occur. Smart people will never again buy on credit nor will they
want a mortgage for any length of time.

If you find your home is underwater and don’t quite know what to do, then
consider a Principal Balance Mortgage Reduction as a strategy rather than
strategically defaulting.  To force banks to negotiate, a forensic mortgage audit
is done on your most current closing documents to evaluate if any RESPA laws
were violated, fraud, or if there were any errors or omissions.  ARMs usually
have at least one error. Appraisals are also examined. After the audit,
then the bank’s legal department is approached for negotiating a settlement or
remedy with an attorney who represents you, the homeowner.   Negotiating a
principal balance reduction will align the mortgage note at current market price
and will lower the mortgage payment with better rates and terms.
The best negotiations occur when the homeowner has a “true” hardship, and
when the home is 120% underwater. A good forensic audit which shows error(s)
also helps to ensure a modification of the loan.

For more information regarding Mortgage Principal Balance Reduction Programs
call Dave Brigle at Foreclosure Prevention Institute, LLC
at 1.800.826.1929. He will discuss possible options, evaluate your particular situation,
and provide you with the best home solutions.

Save America by Stopping Foreclosure 1.800.826-1929

Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
1.800.826.1929

http://ForeclosurePreventionInstitute.com

brigle@appraisaloffice.biz
35* years experience in the real estate industry & foreclosure market
Rated with the BBB.

Michigan Is Headed For A Deep Depression With What’s Coming Next!

July 17th, 2010

     Cap and Trade is the next agenda to control our lives — Unbelievable.  This will

give the government total control (100%) of business and how we live because

energy is what drives this country and in everything we do.  Even a third grader

understands this after studying the chapter on “Energy.”   Nothing happens

without a push and a pull, and this will push our economy over the brink and

pull us into a looooooooong deep depression greater than the great depression

that started in 1929.  Back then energy was cheap, but now energy will be soooo

expensive we will be going back 200 years as is designed.   It is not about the

economy, stupid; but about controlling every aspect of our lives.   That’s why

O’bama doesn’t listen.  He doesn’t understand economics 101.  He really does hate

the Mid-West and America (He’s from Africa and with a different ideology).  

Everything up to now has been foreplay — just read this article below:

“It’ Really About Controlling our Lives”

by Paul Driessen

Within days, Majority Leader Harry Reid intends to bring sweeping energy and

 climate legislation to the Senate floor. He won’t call it cap-and-trade or

 cap-tax-and-trade, and certainly not a carbon tax.

“Those words are not in my vocabulary,” he says. “We’re going to work on pollution.”

Senator Reid’s twenty-pound bill will be laden with lofty language about “clean

energy,” energy conservation, “green jobs,” reducing “dangerous” power plant

emissions, ending our “addiction” to oil, creating a renewable economy, and saving

the planet from “imminent climate disaster.”

Environmental euphemisms aside, however, the legislation is really about

 imposing national “low carbon fuel standards” (LCFS) and forcing dramatic

reductions in the use of oil, natural gas and especially coal. It would expand

 on existing laws, regulations and decrees, like the Environmental Protection

Agency’s ruling that carbon dioxide somehow “endangers human health and

welfare,” EPA’s June 30 invalidation of flexible air quality permits for Texas

refineries, Interior Secretary Salazar’s offshore drilling moratorium, multiple

state and federal renewable energy standards and mandates, and various state

and regional “greenhouse gas initiatives” that restrict emissions from power

plants and industrial facilities.

The EPA, Energy Information Administration, White House and Mr. Reid insist

 that America can easily limit hydrocarbon use and switch to “eco-friendly” wind,

 solar and biofuel energy – at low cost and minimal harm to families, businesses

 and jobs. However, their self-serving, other-planet claims are flatly contradicted

 by a host of studies by reputable analysts with a solid history of integrity and accuracy.

The most recent is a June 17 report by Charles River Associates, examining

the “Economic and Energy Impacts Resulting from a National Low Carbon Fuel

Standard.” Prepared for the Consumer Energy Alliance, the study looked only at

transportation fuels. (Including coal for electricity generation and other uses

would dramatically increase its cost estimates.) Nevertheless, the study found

that national standards implemented in 2015 would:

* Increase average gasoline and diesel prices by up to 80% in five years, and

170% within ten years – sending regular gasoline prices soaring to nearly

 $5 per gallon by 2020 and $7.50 per gallon by 2025 (assuming other international

 price pressures remain unchanged);

* Spur sharp cost increases for petrochemicals in plastics, pharmaceuticals

 and other vital products;

* Reduce employment and consumer demand significantly, by increasing the

cost of transporting people, equipment, supplies, raw materials, food and finished

products – for work, school, healthcare, business, manufacturing, vacation and

 other purposes;

* Cut business investment by $200-320 billion annually, compared to the

no-LCFS baseline;

* Slash gross domestic product by $410-750 billion annually by 2025;

* Cost 2.3 million to 4.5 million American jobs, including up to 1.5 million in

 manufacturing and 3.0 million in the service sector; and

* Force household purchasing power downward by $1,400 to $2,400 for a family

 of four by 2025 – impacting minority, elderly and other low and fixed income

families worst of all.

None of this should be surprising. As President Obama himself has said, the very

purpose of energy and climate policies like LCFS is to ensure that prices “necessarily

 skyrocket.” It is to force people to use less fuel, compel companies to change power

 generation and use practices, drive coal companies and utilities out of business, and

force the development of new fuels and technologies that may or may not work.

All on the premise that we waste energy and are causing a planetary meltdown.

 Climate change is real, and has been since the dawn of time. But there is no consensus

 and no evidence that carbon dioxide is the primary factor in global warming and

cooling, or that humans are causing a climate disaster. Assertions, assumptions and

 computer models are not evidence, and cannot justify what Harry Reid is pushing.

Restricting, taxing, regulating and penalizing the hydrocarbon fuels that provide

85% of America’s energy would severely hobble our free enterprise system and

impact jobs, families, living standards, and basic rights to life, liberty and the

pursuit of happiness. Doubling the price of electricity in our industrial

heartland – where coal provides 50-95% of all electrical power – would kill millions

 of jobs, and send millions of families into fuel poverty.

Renewable energy is intermittent, unreliable, land and raw materials intensive,

and unsustainable without government mandates and constant infusions of “other

people’s money” in the form of subsidies. Navy Secretary Ray Mabus might be

ecstatic that an F/A-18 fighter jet recently flew on biofuel av-gas. But brewing

 $65-per-gallon fuel from camelina is hardly sustainable, even for the Defense

 Department.

As to the great utopian vision of “green jobs,” Spain’s subsidy-driven wind turbine

industry cost the country 2.2 jobs for every eco-job it created, according to studies by

 Dr. Gabriel Calzada. And when the global recession hit, the subsidies dried up, the

 turbine-making jobs disappeared, and hundreds of wind and solar companies were

 driven to the precipice of bankruptcy.

Wind turbines, solar panels and electric cars require “rare earth” metals. America’s

 probable deposits are locked up in wilderness areas, which leaves China as the

world’s predominant producer. So the bulk of the green manufacturing jobs will be

 in China – while we will get the temp jobs hauling, assembling and installing

 components made in the Middle Kingdom and shipped to the United States.

Thus, China, India and Brazil will continue to surge forward on plentiful coal and

 metals, cheap labor, affordable electricity, a can-do attitude, laxer environmental

standards, and a rational refusal to accept legally binding carbon dioxide reductions.

Thus, even if the USA went cold turkey, and completely shut down all greenhouse-

gas-spewing factories, homes and cars, these developing country emissions would

overwhelm our sacrifices within a few months, and atmospheric CO2 levels would

 continue to rise.

And for what? Cars and power plants are already 90% cleaner than their 1970s era

 predecessors. Climate change is moderate and primarily natural. Mr. Reid’s formula

is all pain, for no environmental gain.

Even bright high school students understand this. US senators certainly ought to.

But Harry Reid is hoping 60 do not. That’s the magic number he needs to regulate

not just one-sixth of our economy (the healthcare sector), but 100% – because

nothing happens without abundant, reliable, affordable energy. And enacting any

form of fuel rationing legislation will put Congress and bureaucrats firmly in

 charge of our lives, liberties, hopes, dreams and rights.

Either Mr. Reid’s cadre doesn’t understand these basic facts – or they are so blinded

by power, ambition, ideology and desire to control that they willfully ignore them.

Climate change truly is a huge moral issue. What the Political-Activist-Industrial

Complex is doing in the name of preventing climate change and creating a green

economy is un-American and immoral. Applied to poor countries, to restrict their

 access to abundant, reliable energy, it becomes lethal and inhumane. It can no longer

 be tolerated.

Be alert. Speak out. And beware of energy and climate dictators and charlatans,

and any lame duck session that may come after citizens vote to replace many of

the control freaks on Capitol Hill.

Goto Town Hall for the whole Article

     If you need to get your finances inline before Cap and Trade er Cap and Tax takes

place, you might one to consider a principal balance reduction.  You do need a hard-

ship, but fairly soon everyone is going to have a “real” hardship.   Call Dave Brigle,

Managing Member, of Foreclosure Prevention Institute at 1.800.826.1929

Saving the American Dream 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
1 800 826-1929
brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

How to Reduce Your Principal Mortgage Balance and Stop Foreclosure?

March 5th, 2010

 

How to Reduce Your Principal Balance and Stop Foreclosure?

In today’s real estate market many homeowners are facing difficult
challenges.  They are either “upside down” and owe more than what
their home is worth, are having a hard time making timely monthly
mortgage payments, or maybe even facing foreclosure.

If one is facing any of these stressful situations, one can
probably save his/her home if he/she is informed, has some resources,
and is motivated.  There are several options available.

Currently, homeowners are beginning to realize that the HOPE
Program is just not working for the majority of individuals.
The loan modification program has been a dismal failure for most
folks, because the lenders are really not interested in helping the
homeowner.  It is voluntary and the banks simply don’t want to
participate.  They string people along, take the stimulus money for
temporary loan modifications, but in the end they tell
the homeowner that they do not qualify for a permanent loan modification.

The two best options are the Forensic Loan Modification and the
Principal Reduction Program.  The forensic audit shows the errors,
omissions, and possible fraud on the current mortgage held by the
homeowner.  With the forensic audit in-hand, the homeowner’s attorney
will negotiate with the bank’s legal department.  The homeowner has
the upper hand, because the current mortgage is unenforceable if any
type of problem is found.  The forensic audit (document) forces the lender
to come to the “table.”

The Principal Reduction Program has the ability to keep one in his or her
home and reduce the current loan balance to 95% of today’s current
market value.  Here is how it works:

1.  The mortgage note will be negotiated along with other
    homeowners’ notes issued by their lender.

2.  A price is negotiated for an investor to pay them
    off for all cash, at a deep discont to the current market
    value.

3.  Once  the note is paid off, the terms of one’s note is rewritten
    based on 95% of one’s home’s current market value eliminating any
    “negative equity” and actually gives one 5% instant equity!

4.  The new interest rate is fixed and usually quite low.

To qualify, it does not matter if there was a bankruptcy or one just has
bad credit.  The homeowner does need to be able to support the new mortgage payment.
So one needs to have some kind of income or job.  The individual must
also have debt to incomre ratios of 50% or less.  The investors or the
hedge funds who buy these notes and do the principal reductions may also have
some other qualifiers to lessen risk.

If interested in a Forensic Loan Modification or the Principal Reduction
Program, call Foreclosure Prevention Institute, LLC today at 1.800.826.1929.
Ask for Dave Brigle.  He will freely discuss your options according to your situation.
For more information also visit http://ForeclosurePreventionInstitute.com.

Services offered are:

  •  Debt Settlement
  •  Commercial and Residential Loan Modification
  •   Mortgage Lending
  •  Tax Settlement Services
  • Short Sale Solutions
  •   Property Management
  •  Referrals to Attorneys
  •  Purchase/Refinance
  •  And Other Loss Mitigation Services

     Foreclosure Prevention Institute has 30+ years experience in the foreclosure
and real estate industry.  It is rated with the BB of Michigan.  Get relief and
get some balance in your life by calling 1.800.826.1929.

    Foreclosure Prevention Institute, LLC
    271 Viking Dr
    Battle Creek, MI  49017Fax 269.962.2053
    1.800.826.1929
    brigle@appraisaloffice.biz

    How to Reduce Your Principal Balance

How Americans Are Eradicating Heart Disease in the 21st Century!

March 12th, 2010

Foreclosure Prevention Institute, LLC - Relieve Your Stress

Usually I write about how one can obtain a loan modification, but with all the stress in this economy I have turned inward to educating myself on how to improve one’s health. I am a teacher, and the Michigan legislature is about to slash my healthcare if President O’bama doesn’t do it first. If there is no reform with healthcare, I still am endangered in losing my cadillac insurance since premiums will probably start climbing and will be out of my reach once I retire if not sooner. Many of my friends in the private sector have no health insurance. I view insurance as being needed when one is injured or contracts a serious illness, but not for example using it to cover the common cold or for regular health check-ups.

Having awakened from this insane economic nightmare and heated discussion on healthcare, I no longer laugh at my friends who are into the health foods for nutrition and to treat their ailments. As of today, I am in charge of my own health. It disgusts me that I have let my body go — heck I cannot even touch my toes…but that is about to change. I have watched two teachers and my own husband recover from some serious health problems. They also loss weight in the process which is also encouraging for my situation. My doctor told me that I needed to lose weight. If I don’t watch-out, I could become one of the “biggest losers.” It’s amazing how the pounds creep on over the years. Anyway, like the tea parties, people are being informed and told not by their doctors, but by the health food nutritionists that the secret to improving one’s health and to eradicating cardiovascular disease(s) involves the taking of vitamins

This week I attended a meeting on high blood pressure and the question posed was, “Why don’t animals get heart attacks?” In a nutshell, it is because animals produce Vitamin C which protects their blood vessel walls. People don’t and over the years people become deficient in vitamins such as Vitamin C. Processed foods and the depletion of minerals and vitamins in our food source have contributed to the largest epidemic ever — cardiovascular disease. Remember, when you read in your history books about sailors who sailed across the oceans and died of Scurvy? This was due to a vitamin C deficiency — they, in effect, internally bled to death. Heart attacks and strokes are not actually diseases, but are caused by chronic vitamin deficiencies. Thus, if you eat right and supplement your diet with vitamins especially Vitamin C, you will prevent a disabling heart attack or stroke. Amazing isn’t it? You can reverse coronary artery disease cheaply and naturally.

Think about this — Why is the government so bent on getting into the healthcare business? It is big business; and like the banking industry and the oil cartels, the pharmaceutical companies generate billions of dollars. On the whole, conventional medicine treats the symptoms, but usually doesn’t address the underlying cause or problem. We like quick fixes, and the doctors profit by pushing all sorts of drugs. Look at all the ads for lowering cholesterol! Do these drugs prevent heart attacks and strokes? The answer is a resounding no. Ever read or listen to all the side effects of these drugs? Why in the world would anyone want to take these drugs? We have been brain-washed. Many people who read this article will scoff at this just like one of the men in the audience did during my healthcare meeting. If you want a good reference book, get the book Why Animals Don’t Get Heart Attacks .. But People Do! by Dr. Matthias Rath, M.D.. He is a doctor, not me. I leave you with one other bit of information, like anything else, taking vitamins and nutritional supplements requires knowing how much and which are the best ones to take. A synergetic balance is needed and is probably best monitorred by consulting a doctor or professional. My husband immediately threw out all of his drugs and in effect fired his doctor, but I don’t suggest that. It will take several months to regain your health and during this time your body will be in a transitional state.

P.S. God gave us plants and herbs to heal us.

P.P.S. Call 1.800.826.1929 for more information on relieving stress and improving health.

The Cellular Health Concept as Related to Vitamin C

March 13th, 2010

     As promised to my friends and colleagues, I am writing about what I learned about

regaining health to overcome cardiovascular diseases such as high blood pressure,

heart attacks and strokes from a meeting that I attended in Portage, MI.  Much of this

information comes from Matthias Rath, M.D., a German medical doctor who has been

on the scientific cutting edge approach regarding cellular health.

     Dr. Rath promotes health through the natural control of a vitamin program to halt

and actually reverse existing coronary artery deposits.   As a precursor and reminder,

it is known and accepted that the body can heal itself at the cellular level if given the proper vitamins and

nutrients.   Conventional American medical treaments involving medicines/drugs tend to treat organs

(eg. cardiology, gynecology, pulmonology,urology, orthpedics, and etc.) and symptoms.   It has been well-

established that European countries whose vitamin intake is high finds heart

disease rare.  Thomas Edison years ago thought medical research would be directed

toward plants, vitamins and minerals at the cellular level for modern miracles and cures, but a

complete different direction occurred.  Why, because one can’t patent vitamins per se. 

     Heck this is the 21st century, and our government and medical community (the best

in the world and of such high tech) is operating, in my opinion, in the dark ages. 

If you want to talk about real healthcare reform, let’s start at the prevention level. 

I don’t want to control what people can and cannot eat, but the green police may

have it right.   I do apologize to a past administrator or boss of mine who wanted to

implement a wellness program. When I was President of my teacher’s association he

asked our Association if we would particpate in a wellness program to help control

healthcare costs. Unfortunately and against my “gut” feeling, I said ”No,” due to

having to follow directives given to me from top union chiefs.

     For natural control, Dr. Rath lists about 30 basic vitamins, minerals, trace elements and

other cellular nutrients.  At this particular meeting, the following 4 essential nutrients

for optimum cellular performance and health were presented:

  1. Vitamin C – stabilizes the artery walls
  2. Magnesium
  3. L-Proline and L-Lysine – supports collagen production,stability of the artery wall and reversal of plaques
  4. Other trace elements   

Vitamin C was the critical ingredient for healthy arteries. Veternarians will tell you

that animals naturally produce Vitamin C, but people don’t.  Since we don’t produce

Vitamin C, we must get Vitamin C and other vitamins through our food source of plants,

fruits, and cereal.  However, within the last century our foods, eating habits, and diet

are vitamin deficient due to food processing, chemical preservatives, long term storage

(eg. picking fruits green), and overcooking or nuking our foods. Even our soil is vitamin

deficient, and contains many herbicides and pesticides.  Chronic Vitamin C

deficiency impairs heart and blood vessel wall functions which contributes to high blood pressure,

atherosclerotic deposits, irregular heartbeat, and heart failure (shortness of

breath, edema, and severe fatigue).  Without Vitamin C, our blood vessels

weaken and crack. Our liver does not produce the needed proteins to absorb

plague and to repair the cracks; and to detoxify all of the toxic substances in our

environment.

     Interestingly, not only are we deficient in vitamins from our diet, but also our life-style

is a contributing factor too. Think about how stressed-out you are today?  Stress and

the taking of aspirin for headaches depletes Vitamin C.  Doctors actually tell people who

are at-risk of heart disease or stroke to take a baby aspirin.  It thins the blood, but at

what expense?  Vitamin deficiency is the root cause of Heart Failure.

     Almost all prescriptive drugs lead to a gradual depletion of vitamins and other

essential nutrients needed for the body at the cellular and molecular level.  Millions

of adults are now taking cholesterol-lowering drugs in the statin category.  The naturally

produced coenzyme Q-10 is decreased and as a consequence one could experience

life-threatening cardiovascular complications.  The problem is weakened blood vessel

walls.  Cholesterol does not treat this core problem.  Also on a side note, without cholesterol

our brain deterioates and is compromised.  I wonder if there is a direct correlation between the rise

of Alzheimers and the taking of cholesterol drugs?   In 1996, the Journal of the American Medical

Journal published an article that discussed research that proved that most of the lowering cholesterol

drugs caused cancer in animals at a prescriptive strength taken by humans.   Yet, why is it that

the pharmaceutical companies still manufacture and dispense these drugs to doctors across

the nation; and when it is not cholesterol but vitamin deficiency that causes cardiovascular

disease?

     Smoking is really bad for your health.  Smoking contains free radicals.  Our body attacks

these free radicals with anti-oxidants.  So the anti-oxidant Vitamin C is the first to go.

Thus, the smoker’s blood vessels and organs including the heart are in effect rusted and damaged.

My neighbor across the street at the age of 53 had a sudden massive heart attack and died.

He was a heavy smoker!

     If you are serious about regaining or maintaining good health, then your focus and

education needs to be directed towards vitamins, minerals, trace elements

and other cellular nutrients.  Dr. Rath suggests eating a diet containing plants rich in

vitamins and fiber.  Exercise regularly and watch your weight.  Avoid sweetened foods and

foods high in fat. Be sure to take Vitamin C.   I, personally, am starting on a vitamin program

and did give up drinking coca cola for Lent and maybe for the rest of my life.   It was hard going

from about 3 cokes a day to drinking water.  Ice and lemon helps.  The vitamins helped to stop my

craving for coke and keep me energized.   Every morning I try to drink a glass of orange juice and

take a Vitamin C pill (1000 mg).  The recommended dosage I believe is between 600 mg and 3000 mg

of Vitamin C.  In the European study, the controlled group took 300 mg of Vitamin C and in women

reduced their risk of heart disease by 40% and for men by 50%.  The American diet usually contains

50 mg of Vitamin C.   An apple or perhaps an orange or more  a day can certainly keep the doctor away.

Reference:  Why Animals Don’t Get Heart Attacks … But People Do! by Dr. Matthias Rath, M.D., 5th edition 2009 and published by Dr. Rath Health Food Foundation.

Note: I paid $5.00 for this book at the meeting, so this is a bargain and worth every cent!

The Strangest Secret – No Books, Only Ipads

March 14th, 2010

Be a Success!

Measure your Success!

Achieve your Goals!

Reach for Your Dreams!

                                                         No Books, Just Ipads

     Never before has education been so crucial in surviving in this hard and

ever changing economic and political time.   On the whole, I think the better

educated and people who are debt free are winning or faring better, but I don’t

care who you are we are all being affected in many different ways and sectors.

     Consider, if one loses his/her job or businesses tomorrow will he/she survive?

 It may take more than a year to find a new job or create a new source of income or business?

 Having money, the right education, skills and contacts will certainly help to a

degree.   Yet, is there another ingredient needed to succeed and prosper?

Every generation has its trials and tribulations.   Why do some people win and

succeed regardless of the circumstances?

     Truly, this recession or depression, depending on the state you live in,  is so long and deep

now that even teachers and other government employees are now feeling the sting.

I know because I am a teacher and school districts  like mine are facing

 million dollar plus deficits for next year.   There will be many lay-offs and drastic cuts.

So every institution, business,  family and individual is making life-changing decisions.

      It’s been a long time coming, but it is also perhaps the impetus and force needed

to improve and make needed changes to help adults and our children adapt, prosper

and succeed in this 21st century.   What is your future looking like?

     In Grand Rapids, Michigan, the Superintendent of Grand Rapids Public Schools 

while closing schools is proposing for more charter schools for neighborhoods and online

classes for students.   Interestingly, as the superintendent shares his ideas and vision with

the community, influential conservative leaders and businessmen such as the sons

of DeVoss and VanAndel of the Amway Corporation sit behind him.   No doubt with both the

government stimulus money and private corporate money, the schools will eventually have

the money needed to implement the changes.   (Note:  The State of Michigan did not receive

the stimulus money for education, but Michigan will try again this July.)

     Personally, I can envision students walking around with ipads rather than books,

and attending school more from home as energy prices soar.   Perhaps, the teacher

standing in front of the classroom will become obsolete.   The parent will have to take

the role of teacher.   Some parents are already doing this (after all the parent is the child’s best teacher).

However, are the vast majority of parents ready for this?

     I look around at adults in general and see and hear a lot of anger, complaining, and depression.

 How are these changes and behaviors affecting our children and young adults today?   This year,

I have had student after student tell me that their mom or dad lost their job or they are moving

due to foreclosure.   This is not typical in the many years that I have taught.  For some, their teacher

is their only stability and coach.  Certainly, it’s been a challenging year for teaching. 

I have students who are ready and eager to learn and then other students who for

many different reasons and circumstances are not ready to learn.

     As a reading teacher, I am confident that I can teach any student of mine to

read and comprehend, and as a group we teachers are proving just that!  The

State of Michigan’s MEAP test scores are higher than ever so our students are

 becoming proficient readers.   Yet,  no matter how well-educated our students

become, with this ever changing society, I wonder if my students and your children

will succeed in life?   I don’t know.   There may be a lost generation or then again may-

be not, because children and our society are quite resilient. 

      Your children will be your students, and will need your guidance .  They are

watching you to see how you adapt to change.     We experienced teachers will be retiring

soon or will be forced out by the State Legislature, so here’s a tip or gift from an educator.

In my elementary classroom posted on my wall in big red letters with a yellow background

is the big “A” word.   No one entering my room can miss it.   It’s my secret in getting all of my

students to learn and achieve.   It’s not much of a mystery at all, but is so crucial.

     Sometimes, as I close my classroom door and walk-out into the real world and

watch and talk with other adults, I would like to post the big “A” word on their mirror. 

Yet, I can’t.  So instead, I am asking you the adult and teacher regardless of

the circumstances in your life and whether you are a parent or not to watch this

10 minute video posted below.  It may just change your life or make

someone else’s life better.

                                                     View the Strangest Secret

 

 

Gas Prices On The Rise, So Are You Getting The Maximum Usage?

March 14th, 2010
In Michigan, gas prices today for unleaded gas is 
$2.70 to $2.80 per gallon depending upon the location of the gasoline station. We
expect it to be around $3.00 by summer. It only stands to reason then that you
should be maximizing the usage of your vehicle to and from work.
To accomplish this task of maximum usage and to save your hard earned dollars
something like a Ford 150 would probably do the job. However by 2012, Cap and
Trade and the Car Czar will have defined and categorized the work horse, the Ford 150,
as a clunker and if nothing else will have banned this vehicle from the chuck-holed roads
since it could not meet the weight and minimal gas milage standards as set by the Green Team.

Then what in the heck is a family or
business to do in
terms of hauling people and goods around?
No fear, a government motors car or at least a light weight 2 or 4 wheeled chaise will do. Oh,
and if you happen to still drive a Toyota, be sure to have your accelerator checked before hauling
your precious load.

As a courtesy, you may request by mail (but expect no Saturday service) or just go online to the
Commerce and Transportation Department to obtain the manual for all of the new Government
Maximum Usage Standards
. The Car Czar has set very reasonable standards and measures.
Through sheer grit and determination you must and you will meet maximum usuage as allowed and as
demonstrated below:

Caution: American History Is About To Be Re-Written

March 17th, 2010

     In The West Michigan Christian News in March’s 2010 issue, I was reading about

the history ‘Standards’ being written and assessed withinin the Texas Social Studies

Curriculum, and then how these standards will determine what content is placed in

and aligned with any new textbooks published. I quite frankly find it rather appalling,

because the action’s taken in Texas may just rewrite history and mask the “truth.” I

tell you this, because most educator’s know that Texas is extremely influential in

curriculum standards. Many states follow Texas and purchase books approved by

Texas’s standards. So it is important, that the social studies books are factually

correct and have the right historical perspective and point of view to explain

American History.

     Here are some examples, that I find outrageous. The powers to be may be taking out

any reference of Daniel Boone, George Patton, Columbus Day, Christmas, and the like

and may I also add to any mention on how we are “Americans.” In their place the editors

or publishers may choose to discuss artists who have had an impact on hip-hop music,

Clarence Darrrow, and Global Citizens. Certainly, if you want to sell textbooks, then

a history lesson on Hip Hop would probably motivate and capture today’s students’ interest

rather than say, Daniel Boone.  Considering all subject areas and curriculum it is probably

nearly impossible today to cover all of the explorers and the building of our nation including

current events while attending school K-12.

     However, if one is going to read about American history then World War II and Christmas

is part of our history and heritage. One can probably make for a good argument as to whether

or not Columbus discovered America. We do teach critical thinking, but still George Patton

was a real general in World War II, and are we not all Americans (except for all of the

illegal aliens)? Our country is called United States of America and our country is in

North America. If a person is born in the United States, he/she is an American.

To be president the Constitution requires one to have been born within the

United States. Perhaps, someday we will know if President O’bama was born in the

United States of America with a birth certificate from Hawaii to prove it. In any event,

I believe that this is Christian nation – read Abraham Lincoln’s Gettysburg Address.

We also have Christmas as an American tradition, recognizing though that not everybody

celebrates Christmas.

     I know the world is growing smaller in a sense due to the global economy, transportation,

 and technology. The once “melting pot” is now gone and has been replaced by

multi-culturalism. It has been a gradual shift, and now the agenda seems to be very

political…a new world order as proclaimed by President Clinton and being pushed by

politicians against our “will.” I hear rumors that even Texas wants to secede from the Union.

I don’t know if it because of the growing national debt and taxes or wanting to be it’s own

State in regards to the past American-Mexican war. In any event, maybe the U.S. will hold

onto Texas like Canada holds onto Quebec. Knowing Texans want to form their own entity,

should Michigan and other states trust the Texan curriculum? One thing I will agree with is

that it would be wise for Michigan to have a conservative Governor and to protect its

State’s rights similar to Texas.

     As you can tell, I am not a history major nor have I had a strong interest in the subject,

although I do like biographies and historical fiction. My history teachers have told me,

though, that history repeats itself, and as I grow older I do see many cause and effects.

Presently, there seems to be a grand agenda designed perhaps by the elite or those who wield

 the power (just follow the money). In fact the other day, the media outlets informed the

 American citizenry that much of the billions of taxpayers’ money within the stimulus

bill was actually spent and taken outside this country. America, I guess, is supposed to have

no border of any kind. Essentially, all doors have been opened. Rome ‘er rather America’s

influence is crumbling and its walls are falling. Once, President Obama’s socialistic

healthcare program is passed, America’s economy will never recover at least in my lifetime,

and it will probably never be a republic nor a democracy again. I wonder what our forefathers

would say about this huge national debt and the direction our country is taking?

     When did United States reach its apex? Did 9-11, World War I or an event earlier

cause our plunge?  Perhaps, it is because our history books are not really based on history,

but more on social engineering. Thus, the American public never truly understood or learned

the founding “ideals.” I will say that President Reagan and President George Bush in our lifetime

did seem to grasp one basic concept of America – “FREEDOM!” I guess, President O’bama

misinterpreted President Reagan’s speeches and thought President Reagan said for him to

“tear down America’s Walls.” It should be noted that President O’bama did become President

of the United States due to our system. For the life of me, I do not understand why President

O’bama would want to enslave this country or his fellow countrymen with huge debt except for

social engineering? Hmmmm,…he does hold a leadership position with the United Nations’ Security

Council. Our politicians also legislatively agreed to send our jobs south. Perhaps, more Americans

need to start connecting some dots…”the New World Order” and “Global Citizen.” How is it many

people around the world are starving for freedom, and yet we Americans are giving up our freedom

for the security of healthcare? Perhaps, if each individual and family would read some rich history

books instead of “King of Hip Hop and Pop” and, in addition, drag themselves out of debt, we can

awaken this sleeping giant before it is too late!

     Having read my article now, as a critical reader you would clearly recognize my slant, satire, and

opinions. So share your thoughts regarding my thesis.

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March 23rd, 2010

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Thought for the Day Regarding Power and Health

March 25th, 2010

What is the connection between disease, healing and personal power?

In Anatomy of the Spirit by Caroline Myss, Ph.D. she says,

“Power is the foundation of health.”

Interestingly, President O’bama is considered to be

ominopotent – the almighty.  For many, he brought hope

and optimism.  His spirit is “high” and his ideas at least  to his thinking

are only to help America recover and gain back her greatness, and to

make America walk straight and tall again.

     Are those who are against him weaving their spirits

into a bunch of negativity?   How much of this physical,

psychological and emotional stress is this going to have

on the health of our nation and upon individuals themselves?

     Did you know stress causes a ph imbalance?  A human’s

body is usually at a 7.34 ph.  Stress will cause a body

to become more acidic.   So what cancers, illnesses and pain

awaits us?   Will this country go into a depression and become a

lethargic society?  The stock market today dropped 50 points!

     Attitudes, our belief system such as in our constitution, and grace

of God might pull us back from the brink.  Sarah Palin said, “This

isn’t the time to retreat, but to reload!”     I would ask for calm, for

self-understanding. and spiritual consciousness to heal this fragile

economy.  Globally, I call for each nation to use their energy to exercise

each one’s collective minds to create – so many doors open for all and that

we may all become healthy!   This is no miracle, but medical intuition and

may just reverse what all ails us.

     If you want to know how to heal yourself click this link now!

P.S.  The best of times or the worst of times

Preventive Medicine - A True Miracle

Foreclosure Prevention Institute, LLC
Dave Brigle
1.800.826.1929

Attorney General Mike Cox vs Governor Jennifer Granholm

March 25th, 2010

Michigan’s Attorney General Mike Cox joined Florida’s lawsuit regarding
the constitutionality of the new legislative Healthcare Bill. Now, he took
immediate action so that the State of Michigan could be one of the many states
to sue over this huge unconstitutional massive healthcare reform. Although,
the United States House of Representatives contends that they have the power
to legislate mandates under the Commerce Law, Attorney General
Mike Cox says, “No.” In layman terms, the Commerce Department in doing
business does not have the authority to mandate that one has to buy
anything or be penalized as the new health law demands. If that was the case,
then why not tell someone to exercise 1 hour a day or else not be allowed to eat
and then fined to boot. After all, it is for your own good and the “common good.”

What is interesting is that Gov. Jennifer Granholm is a lame duck
and happens to be a Democrat. She wants and likes the Healthcare
Bill and probably having people exercise 1 hour a day. She even set
aside a Vegetarian Day last Monday, March 23. 2010. She wants you
to eat healthy. So consequently, she is extremely agitated and
upset that Mike Cox would have the State of Michigan included in
Florida’s lawsuit. Thus, she has ordered and mandated that the Attorney
General, Michael Cox, repeal his act so as not to include the State of Michigan in
any type of lawsuit. She loves President O’bama and his liberal and
radical ideas. After all, he saved Government Motors of Detroit, Michigan.

Employment in Michigan is at 14.2% the lowest it has been in two years.
Flint, Michigan has an unemployment rate of 36%. Since there are no
jobs or revenue in Michigan, Flint and Detroit are plowing down all the
foreclosed homes to provide for more farmland so she can create jobs in the
agricultural industry. President O’bama likes American citizens to be beggars
and peasants. Just ask the farmers in California. They gave up their livelihood
to save a minnow. Michigan does have a lot of fresh water lakes and we do
like our minnows. Aside, from that, the City of Grand Rapids is proposing a fine
Farmer’s Market with some nice cafes. This market will create 1,500 new jobs
Jennifer Granholm might even snag Google’s high speed Internet Service for
her Medical Mile.

Anyway, Governor Granholm wants Michael Cox to know that, he, as
an individual has the right to sue for injury, but he can’t do it for the
rest of us who are living in the State of Michigan. We won’t be able to
change this mandate until Christmas. So, in the meantime, come and visit our
Great State of Michigan and bring your coat and hat. The wind turbines are being
installed on our Lake Michigan shores and they do generate a lot of wind and rough
water. It will be good sailing and fishing. Minnows and worms will be in abundant
supply.

P.S. If you want to stop Foreclosure, call 1.800.826.1929 or

visit ForeclosurePreventionInstitute.com.

http://ForeclosurePreventionInstitute.com

Save America!

Dave Brigle
1.800.826.1929
271 Viking Dr
Battle Creek, MI 49017

956 Innes St NE
Grand Rapids, MI 49503

Unemployed Qualify For Loan Modifications

March 29th, 2010

Last Friday’s (March 26th) announcement, of more and broader
intervention in the housing mortgage market, will most likely result
in a deeper, longer, and more painful delay in the inevitable decline
in housing prices that are necessary to correct and clear the market.

According to the Obama administration, as stated in the
New York Times, the “broad new initiatives” will help troubled
homeowners to refinance their existing mortgages with more
favorable affordable ones provided directly by the government.

Part of the new program is “meant to temporarily reduce the
payments of [those] borrowers who are unemployed [but are]
seeking a job.” In addition, the enhancements include inducement
to “encourage lenders to write down the value of loans [already]
held by borrowers in modification programs.”

This program is supposed to not only focus on lowering interest rates,
but also include principal reduction. Principal reduction is getting
pretty popular.  In fact, the country’s biggest bank, Bank of America,
just announced that it would “forgive principal balances over a period
of years on an initial 45,000 troubled loans.”

However, this temporary relief covers 3 months. In Michigan, it is
taking almost 1 year to find a new job. People may have a 3 to 6
month reserve, but not many people can survive a full year of unemployment.
So, in reality, this will help very few people. It is also a voluntary program
so lenders do not have to participate.

In order for the housing market to turn around, the market has to adjust
naturally for supply and demand. It is estimated that 1 out of 5 mortgages
are in distressed. There are about 17 million homes that are vacant.
Foreclosures have risen by 9%. The potential of resets of Alt-A and Option
ARM mortgages in 2011 and 2012, will add additional pressure on prices.
In other words, we have not hit bottom.

The construction industry will not see significant improvement until the
supply of homes dissipates. Simply put, we overbuilt and the market
is now having to correct itself.  However, all of these government bailouts
such as HAMP (the Home Affordable Modification Program), is just
prolonging and hampering the market. Capitalism does work if allowed.
Housing prices have to lower and be adjusted to family incomes and
demographics. Workers’ gross income has significantly dropped within
the last year.

Middle income workers and the housing market in recent recessions
helped pulled the economy out, but not this time. With the inevitable
devaluing of the dollar, higher taxes, higher energy costs, and inflation
it will be twenty years or more before we recover. The average American
will not have any extra change to spend. The O’bama Administration and
democratic policies have simply dug us a huge hole that will be hard to climb
out of or fill. America’s foundations are crumbling and so new housing and
construction jobs will be very slow in coming.

If you are a homeowner who is interested in obtaining or needing relief
through a loan modification and/or principal reduction and want to force the
lender to the table, then you need a forensic audit of your mortgage. A forensic
audit will look for inaccuracies, fraud, truth in lending practices, omissions of
documents, and etc. within your current closing documents and appraisals. Almost
any disparency will trigger negotiations with the lender’s legal department since
the mortgage is deemed unenforceable.  Foreclosure Prevention Institute, LLC
will evaluate your situation for free and provide you with a strategy and solution
that best fits your needs. All you need to do is pick-up the phone and call their
hotline 1.800.826.1929 or visit their website at
http://www.ForeclosurePreventionInstitute.com.

Save America by Stopping Foreclosure

Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017

956 Innes St NE
Grand Rapids, MI 49503

1.800.826.1929
Dave Brigle, Managing Member

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USING THE LOAN MOD “CRAM-DOWN” TO DELAY FORECLOSURE

March 30th, 2010

 

Update My Mortgage: Principal Reduction

Delaying tactics are important regardless of where you are

 in the foreclosure process.  If you are current but upside down

this would be the time to gather all the options available for a

strategic plan to deal with your particular situation, with over

33 years of real estate experience, ForeclosurePreventionInstitute.com would

be a source for information. 

      Using the loan mod “cram-down” need not be the first option but it certainly

ranks high on the list  This technique reminds me of the movie “Top Gun” when the

fighter pilot “goes to guns”.  This will stop a foreclosure and it will delay an eviction.

      Case in point, recently we had 2 homeowners with the same lender.  Both had been

issued an eviction notice.  Homeowner 1 will be “weak homeowner” and homeowner 2

will be “strong homeowner”.  Weak homeowner followed the “cram-down” technique

and the strong homeowner simply trusted a big well-known lender to do the right thing. 

The result was that strong homeowner lost the home and was evicted, during the same week

the weak homeowner got a loan mod.  The strong homeowner met all of the “Obama loan mod

requirements” and the weak homeowner wasn’t any more qualified than my dog

Sandy, — so much for the lenders doing the right thing.

     The weak homeowner now can take his loan mod and convert it to a Principal

Mortgage Reduction which is exactly what he needs to do.  By knocking off $500

a month from his mortgage payment he can afford the mortgage payment and his

house is no longer upside down.  If you want to learn more about Principal Mortgage

Reduction, goto

 http://www.updatemymortgage.com/wdk_aces/wcm/content/dave_brigle/home_page/home_page.jsp

     Delaying tactics are important even if you do not want to save your house but you

need time to get things in order or save up some money.  We have clients who have delayed

the foreclosure process 2 years of more, you do the math.

David Brigle, Managing Member
Foreclosure Prevention Institute.com
271 Viking Dr
Battle Creek, MI 49017

956 Innes St NE
Grand Rapids, MI 49503

1.800.826.1929 Hot Line

http://ForeclosurePreventionInstitute.com

Godwin Plumbers (Private) vs Medicare (Government)

April 5th, 2010

Foreclosure Prevention Institute, LLC - Relieve Your Stress

Today, I went out for breakfast. While eating my eggs-over-easy and
sipping orange juice, I was reading the Detroit News
and ran across an article about all of the service problems Medicare
Clients are experiencing.

This conjured up a picture of me having to stand in line and
trying to talk to an administrator behind a glass window about
my health situation. Thinking about this is driving me bonkers or even worse
having to leave a message via the phone praying that some governmental agent
will call me back about my health problem is driving me crazy.

That’s exactly what happens when you are in the Medicare system trying
to get food stamps or assistance. Eventually, you do get to stand and talk to a
caseworker and if you are lucky you may get a home visit.

In Michigan, when one needs government help you apply by
submitting paperwork. Currently, the system especially in Detroit is
swamped with people needing financial assistance. The government
caseworkers went from about 300 client assignments to over 700
client assignments.

Consequently, this has overloaded the workers
and the computer program. Applications and phone calls are being
dropped from the computers due to overload. Also, since the government workers
are unable to process the paperwork in a timely fashion, old applications
are automatically dropped from the computer. So guess what? The
applicants, after waiting with no response, learn that Medicare has no record
of any communication and must resubmit their paperwork due
to no fault of theirs — it’s all just a computer glitch. The nightmare starts again.

The State of Michigan has been trying to fix the problem since last July,
2009 and now its April, 2010. So my question is how and the heck is the
government going to handle every American’s healthcare needs and issues
when they can’t even handle Medicare? You will probably die first even though
most caseworkers are very nice. Admittedly, they are terribly overworked like
everyone else these days. However, due to cost cutting measures and
rationing the Government is doing their very best to serve the public with
the scare resources that they have. Now, if you are willing to pay higher taxes
then maybe more caseworkers can be hired. Still, take a number. 

VS 

Now I would like to direct you to an experience I had today with a
small private business. I had a plumbing situation. My computer tech and I
were helping a widow across the street from where I live with leaky faucets.
Every time she turned on the water to wash her clothes, water would squirt
out due to broken seals. I doubt if these faucet handles had ever been fixed
in the last 100 years or more.

The handles were caked with mineral deposits. With a pipe wrench we
took off the faucet handles and took them to Godwin Hardware and Plumbing on Division in
Grand Rapids, MI. We went up to the counter in the plumbing supply department and this
gentleman took the hardware and proceeded to take off the screws and then used a wire
brush machine to scour the handles and hardware.

Soon two more employees came up after helping other customers and proceeded
to work on the other faucet handle. They talked back and forth and said that our faucet
hardware were brass and antiques. They then put the handles into a solution to rid of the
remaining mineral deposits. After soaking, the handles, the brass fittings were polished and
now shone as if they were brand new. All the fittings and washers were replaced. There
was great conversation between us. It took about 45 minutes in all.

Personally, I thought we were just going to have to buy brand new handles and
hardware for about $30 or more, but no sir, just a wonderful experience with a surprising
outcome. The charge — $5.00 for 45 minutes of work.

Now, why would these guys do all of this for what I thought to be “ugly faucet
handles.” All of the employees were probably over the age of 50 and may have served
in the armed services, because their work ethic was impeccable, and they showed genuine
interest in our problem. Perhaps, they have been in business for themselves at some
point in time of their lives or just proud of their occupation or appreciative of having
a job and working in this economy. I don’t know, but I do know they answered all
in-coming calls and promptly set appointments. I, also, know that they want new
and repeat customers.

The store, in general, is well supplied, and if they don’t have it nobody does.
I know Godwin Hardware has been in business for a long time –at least the last
25 years that I have lived in Grand Rapids. Their service is professional, great,
and reliable and that explains why they have been in business for so long. Do you
think they would be in business if their computers were messed up for months on
end, and they did not have enough staff to service their community in a timely
fashion?

I ask you, when you have a plumbing problem where will you go? Will you
choose a private business or a governmental agency? I choose private! I just
hope Godwin’s Hardware is not put out of business due to the new governmental
regulations involving small businesses having to purchase health insurance for all
of their employees.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017

956 Innes St NE
Grand Rapids, MI 49503
1.800.826.1929

http://ForeclosurePreventionInstitute.com

.

Dave Ramsey, Is It Possible To Really Own Your Own Home?

April 8th, 2010

How to Reduce Your Principal Balance

The American Dream for many is to own your own home.
I have a friend that said,”Why should you buy a home, when taxes alone can steal
your home?” I had to ponder that thought, and say maybe he is more right than most.
Dave Ramsey preaches for homeowners to pay-off their homes and live like no other.
I think may be the government even has Dave Ramsey fooled.

For example, you have heard of imminent domain? This is when the government
comes in and forces you out when your property is deemed needed not in the best
 ”use.” Often times, one’s property is considered in the way of progress (needed for
a highway, shopping mall, or corporate/governmental offices etc.). In the City of
Grand Rapids not too many years ago, I remember a man who had refused to sell
his house to city developers, because it was his homestead. He had lived there his
whole life. Being a somewhat conservative town, the City of Grand Rapids in the end
decided to leave the old man alone, but did pave a parking lot around his whole house.
I speculate, though, that they raised his taxes to accomodate the change in zoning
from residential to commercial. When he died they razed his home.

Years ago, I, too, remember a neighbor who owned a cottage on Higgins Lake who every year
complained about his taxes. His taxes on his lake front property would double or triple due
to property assessments and/or increases in school millage. He would try and fight the
increases, or just kick and whine to his neighbors. He believed that the school district had
over reached its boundary by taxing Lake Front Property at higher rates than the town
itself. He was probably ahead of his time, but being a staunch Republican saw it as a matter
of redistribution of the wealth. Later on, Michigan passed the Headley amendment. Schools
were to be funded through the lottery. Charter schools also popped up to cut costs, because
by law they don’t have to follow the same funding rules as the public schools.

Today, I believe that we all may be taxed out of our homes. In the wind, I hear of a
National Tax to help pay for this huge deficit spending, new taxes on energy (Cap and Tax),
taxing without representation on anything considered a public safety issue, higher property
taxes, and health insurance taxes. What happens when retirees on fixed incomes cannot
pay all of these taxes? Further, what happens when social security goes bust? Forget
pensions, and due to the high unemployment rates many people’s savings have all been
depleted.

How many of you have received a ticket lately while driving your automobile? My husband
got a ticket, while driving, for having his right rear tire “touch” the solid white line near the
shoulder of the road. The policeman shouted at him for not driving in the center of the lane,
but did say he could fight the ticket. It was a windy day. The ticket itself cost $40, but other
fees and city taxes attached drove the cost of the ticket up to $181.00. We, the public, are told
that the police do not have a quota but, on the other hand, if they don’t get enough revenue
coming in they will be losing their jobs. Oh, and don’t try to fight the ticket, because the
judges pay is also tied directly to these tickets. The point is that you don’t even know that
you are being taxed. How creative can these politicians and public officials get?

Let’s now look at foreclosures. There are about 130 million homes in America. Did you know
that about twenty-six million homes are in preforeclosure, foreclosure or upside down. All of these
foreclosures are affecting even innocent homeowners who have faithfully been paying down on
their mortgages. Their homes have plunged in value, but the assessed values have not dropped
to any considerable amount. It is interesting too that several States are demanding that the
Lenders who have foreclosed on the properties take care of the lawns and make all repairs needed
before renting or selling the homes. That’s probably good, but the lenders are instead deciding
to just walk away from all of these vacant properties.

What is a city or state to do with all of these vacant homes? If you think in terms of the big
picture and the grand scale of socialism, the government doesn’t believe in private property.
Either the homes can be bull dozed down and made into parks, or the homes can be changed into
Section 8 homes. The government will just give these homes to low income people with rent subsidies.
However, Los Angeles and New York City have run out of section 8 money, because they are bankrupt.
So, I guess everyone will be living on the street in the near future. The government wants your home
and all of your money. If they could tax the air you breathe they would. No joke. Maybe, I will
invest in tents.

Wake up America and smell the coffee! It is not that your taxed to death, it’s that you are now
taxed before you are born and have no means of truly owning your own home or castle. This system
is corrupt and at any minute the government can and will raise your taxes to tax you out of your home.
We are all to be renters and beggars. Now if you are facing foreclosure or upside down in your home
and do want to save your home, call Dave today at 800.826.1929 to discuss
your situation and find a real solution. Dave will also help anyone who wants to delay foreclosure or
who wants to just walk-away. If you do it the right way, you can save a lot of your hard-earned money.

FCC Wants Strict Internet Regulations For Web Traffic and You Tube

April 10th, 2010

The government has no end to its parameters on how to tax you
and businesses in general.  It’s next huge reach is figuring out how to
control and tax Web traffic and Internet Service Companies. At this time,
the Federal Communications Commission has very limited power over Web traffic.
They lost a federal appelas court ruling against Comcast. Comcast is able to block
or slow specific sites. The FCC wants web users to have equal access to all content.

In essence, the powers to be want all Internet content to be treated equally by network providers,
and are looking to reclassify broadband service as a sort of basic utility just like telephone service.
Thus, Internet Service Companies would have to be pay the government for bandwidth. As a result,
Internet businesses and the we, the consumer, would have to pay the government various charges
like service fees, access charges, surcharges, and Federal and State taxes. The Internet Service
Companies too would have smaller profits while the government fills its pockets.

At this time, Internet providers are able to decide what services they offer and at what price.
So, web servers are able to design faster delivery services; and can determine the charges
for delivering the content faster such as with popular sites such as You Tube. You Tube under
the government plan would become bottlenecked, and probably financially out-of-reach for viewing
by many consumers.

The Internet is supposed to be a free “spirit,” but who knows for how long as the United States
grows closer to a dictatorship by Obama “The Ruler.” If we are able to hold-out until next
November elections, perhaps the Republicans can grow in numbers within the legislative body
to oppose giving the FCC agency and any czars more power to control society, the Internet and
the freedom of speech and expression. The Internet must not be controlled anymore than
the radio talk show hosts. We certainly don’t want to become the next China.

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Get A Mortgage Principal Balance Reduction Today 800.826.1929

April 11th, 2010

Save America by Stopping Foreclosure

Obtaining a Mortgage Principal Balance Reduction is easy if you are
upside down in your mortgage (owe more than your house is worth).
A Principal Balance Reduction Program is like a refi. It is better than
a loan modification or forbearance agreement. Your mortgage note
is renegotiated or restructured to lower your rate, terms and principal
balance. One qualifies regardless of credit and length of years on the
job. All we need is verifiable income to support the new mortgage
payment. Call Foreclosure Prevention Institute today at 800.826.1929
for more information or fill-out the form below to stop foreclosure and
repair your credit by once again making affordable monthly mortgage payments.
This is a popular program and will not last for long so call now 800.826.1929.

America and the Big Bad Wolf

April 11th, 2010

America is like Little Red Riding walking through the woods. Most Americans
as children have heard the story of “Little Red Riding Hood.” In the story, she’s been
warned of the Big Bad Wolf lurking in the woods, but unafraid takes a shortcut to
grandmother’s house by going through the forest. She meets the hungry, but friendly
wolf and tells him exactly where she is going and in the end Little Red Riding is eaten up
or the wolf is slayed depending upon which version you read.

Well, America has been told who the enemy is, but most Americans are in denial,
passive due to their seemingly good life, or just totally clueless of this enemy. How
could anyone hate us? If someone does then it is either our fault or we just need to
reach out and understand them and be kind to them. We are not to question them,
call them by name, nor are we to slander them. We must accomodate them and
tolerate their way of life until we are devoured or until we wake-up and get some
woodsman to go after the wolf and kill them. However, that may not be possible
because a treaty was signed between America the Great and the Wolf Pack.

I don’t know what we are to do, because a wolf is a “wolf.” By nature the wolf is
a predator and cannot never be really tamed. I have read many articles about the
wolf, but I have finally found an author, Frank Gaffney, who clearly states and explains
the nauture of the beast in “The Real Reason They Hate Us.” We are unprotected,
because even our mother (our great civilian leaders) does not grasp the danger in
our society or around the world.

Frank Gaffney states, ” the civilian leaders of this country and their senior subordinates
- responsible for the U.S. military, the intelligence community, homeland security and
federal law enforcement – have systematically failed to fully realize that we once again” like
back in World War II face a totalitarian ideology bent on our destruction.” The ideology is
called “Shariah.”

“Shariah – which translates from Arabic as ‘path to God’ – is actually binding law. It is a
brutally repressive, woman-demeaning, barbaric and totalitarian program.” Anyone of faith
who opposes it is its enemy. Like the wolf, Shariah is masked and disguised with a cloak and
Little Red Riding Hood’s “burka” as a peaceful religion. It then goes into your house and may
kill your grandmother like done on 9-11, but then peeks up its friendly head. When visiting
our disguised grandmother we notice and think:

What big arms you have.
What big legs you have.
What big ears you have.
What big eyes you have.
And What big teeth you have.

However, by then it’s too late, because many Americans are all gobbled up by this violent
terrorist who shouts out the martyr’s cry “Allahu Akbar!” (“God is great!”). Of course,
there are other wolves to take his place and may not be as cruel but stealthy steals our
home. The Liberals and Centralists denies he and his kind exist while partying around and
unconstitutionally and legally taking our freedoms, liberties, and individual rights needed to
pursue our happiness, endeavors, and dreams. However, the wolf still lingers taking lessons
from our government officials to devour our whole society and country as we know it.

Reader’s please respond by writing your moral to this story.

Saving the American Dream 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929

http://ForeclosurePreventionInstitute.com

How to Get Your Ex Off the Mortgage

April 14th, 2010

Saving the American Dream 800.826.1929

The final Divorce Degree will usually give the house to one of the parties
with the provision that the house be sold or refinanced so that the other
party is no longer responsible for the debt. If the house is upside down,
how can it possibly be sold or refinanced in the typical way? You can take
advantage of this unique situation; refinance your upside down house through
our Principal Mortgage Balance Reduction Program.

Let us assume that you have a $200,000 mortgage with a $2,000 mortgage
payment and the house has market value of $100,000, if you like, plug in your
own numbers. In this example you are upside down $100,000 which is costing
you $1,000/mo in wasted payment. Your lender is worried that you will
“walk away” from the mortgage and your Ex is worried about their “credit”.

As you know your Ex is going to try and saddle you with all the credit card
debt as well. Let’s assume you have $30,000 in unsecured debt. You can
pay this off through a Debt Settlement at $.50 on the dollar. Think about it,
with a Principal Mortgage Balance Reduction and a Debt Settlement you are
quickly putting the divorce behind you and becoming debt free.

A word of caution, do NOT let your Ex know what you are doing. You know
the Ex, that $100,000 you are saving on the mortgage reduction will become
$50,000 that you owe them and the debt settlement will become $15,000,
trust me, that’s how they think. I would not even tell my attorney what I am
doing.

Without any obligation on your part you can check this strategy out by calling
Dave Brigle 800-826-1929 or visit http://ForeclosurePreventionInstitute.com .

Dave Brigle is the Managing Member of Foreclosure Prevention Institute LLC

ROAR Spreading The Word

April 15th, 2010

Drink Tea At Your Tea Party

Restore OurAmerican Republic!

Tax Day Tea Party Rally

Grand RapidsTime: April 15, 2010 from 5pm to 6:30pm

Ah Nab Awen Park (next to the Gerald R Ford Museum)

303 Pearl NW

See the Events page below for other area Tax Day Tea Parties
in your area:

http://www.teapartyofwmi.org/events

What Do You Do When Your Country is Upside Down?

April 15th, 2010

I just attended a tea party in downtown Grand Rapids, and listened to fellow
Americans tell when they finally “awoke.” To save and take back our country and
preserve our freedom, there was some good advice given such as:

1. Organize as did President O’bama did as a community organizer.
Did you know that there are now thousands of loosely associated tea party groups
and millions of Americans participating in this movement?
2. Join a group so we become one. Did you know only 3% of the colonists fought
during the revolutionary war. This era is the second revolution. George Washington
at Valley Forge had 3 visions (the winning of the Revolutionary War; the Civil War;
and another war fought on our soil…mmmmmmm.
3. Contribute money to an organization that you support, because “freedom” is not
free. Many men and women have given their lives to the cause of “freedom.”
4. Get involved. Paul Revere showed how one man can make a difference.
Run for an elected office at any governmental level or organization.
5. Read and become informed about the candidates running.
6. Register to vote by July 6, 2010.
7. Vote on August 3, 2010 in the primary election.
8. Vote on November 2, 2010 in the general election.
9. Be sure to vote for the nonpartisan running elected officials such as the
Judges. Did you know that Michigan used to have a court that ruled by law?
Ronald Reagan used to envy our court — he dreamed of having a
California and a Federal Court which ruled by law rather than by empathy.
The State of Michigan Court now is filled with justices who legislate by
the bench and who empathize with one party or the other. Thus, one can
not predict the outcome of a trial since the court sways with the “wind”
rather than with constitutional law and what the public voted or wants.
10. Protect yourselves. Own and carry a gun responsibly. Los Angeles
can no longer protect its citizens due to the financial cut-backs. Crime
has risen and the response time is non-existence. This is why there is
a 2nd Amendment that allows us to arm and protect ourselves from
foreign and domestic enemies.
11. Share and communicate your ideas with 5 to 10 people by word of
mouth and via the Internet. It will go viral.
12. Live the “Dream.” Sarah Palin is popular, because she is “alive” and
animated. She tells the “truth,” and that is why she is so hated by the
left. They fear her. President O’bama only thinks about himself. You
must choose liberty over tyranny.

Final Note:
Providence has given to our people the choice of their rulers,
and it is the duy, as well as the privilege and interest of our
Christian nation to select and prefer Christians for their rulers.
By John Jay, October 12, 1816

P.P.S Our Union will be preserved. “Tis Well!”

Saving the American Dream 800.826.1929

Dave Brigle
Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
1.800.826.1929

http://ForeclosurePreventionInstitute.com

Providing Homeowners 5 Options to Stopping Foreclosure

April 19th, 2010

Watch Video below to learn the 5 leading mortgage programs to stopping foreclosure or
saving one’s credit from foreclosure. A brand new Principal Balance Mortgage Reduction
Program is now available:

Call Today!  800 826-1929 and start saving money immediately!!!

Forclosure Prevention Institute, LLC

271 Viking Dr

Battle Creek, MI  49017

http://ForeclosurePreventionInstitute.com

Hot Line:  800 826-1929

Best Principal Balance Reduction Mortgage Program Explained

April 21st, 2010

View our video to see how the newest and most powerful strategy can work

for you if you have been denied a loan modification or cannot

refinance your home because you owe more than what your house is worth.

Any hardship (job loss, medical bills, reduced wages or salary, or divorce etc.)

will do especially if facing foreclosure or just struggling to make the monthly

mortgage payments:

For more details call 800 826.1929 or enter your name and email below

and Dave Brigle will contact you.

Principal Balance Reduction Program

Rewarding the “Bad Boys” With A Permanent Bailout

April 21st, 2010

Just passing along this interesting read.

Obama-Dodd financial bill would further enrich Goldman Sachs

by John Berlau
April 16, 2010

 

Today, the SEC charged giant investment bank Goldman Sachs with more than $1 billion worth of securities fraud for its dealings in the subprime mortgage market.

Ironically, at the same time the SEC is seeking justice for Goldman’s alleged victims, President Obama and Senate Banking Committee Chairman Chris Dodd (D-Conn.) are pushing a bill would reward the firm with potentially billions of dollars by instituting a so-called “resolution authority” that would, in practice, be a permanent bailout fund.

Supporters of Dodd’s bill maintain that it does not create bailouts because the failing firm’s shareholders would be wiped out and its managers would be fired. But what they don’t say is that the money from the $50 billion resolution fund would be used to frequently give creditors of this firm a better deal than they would have in bankruptcy.

Recall that during the financial implosion of late 2008, Goldman was not bailed out directly by taxpayers, but instead received tax dollars as a creditor of AIG. Goldman received $12.9 billion in the “backdoor bailout” of AIG because of the credit default swaps it owned that AIG had insured. Goldman and other of AIG’s counterparties were paid by the government 100 cents on the dollar in this bailout, whereas creditors in bankruptcy court often get less than 50 cents on the dollar.

So as American Enterprise Institute scholar and Financial Crisis Inquiry Commission member Peter Wallison puts it: “That act—paying off the creditors when the government takes over a failing firm—is a bailout. It doesn’t matter that the management lose their jobs, or that the shareholders get nothing. When the creditors are aware that they will get a better deal with the failure of a large company than they will get with a small one that goes the ordinary route to bankruptcy, that is a bailout.”

To top it off, the fees for the Dodd bill’s resolution fund that would pay off a failing firm’s creditors would come not just from banks but from a broad array of Main Street businesses. Stable life, auto and home insurance companies would have to pay into this fund to subsidize the failure of the next high-roller, and the fees they pay would likely be passed on in the premiums their policy holders pay. And the bill’s definition of  “nonbank financial company” is so broad that it could cover manufacturers only tangentially involved in extending credit, such as those that lease equipment to their customers. This would raise prices and cost Main Street jobs.

All in all, the Goldman indictment should serve as a wakeup call to those who want to ram a bill through Congress without looking at who both its victims and beneficiaries would ultimately be.

Tax Day Tea Party, Grand Rapids, MI 800 826-1929 Fighting For Rights and Foreclosure

April 25th, 2010

Come savor the tea and tea party spirit on Tax Day (April 15, 2010) in Grand Rapids, MI!

Saving the American Dream 800.826.1929

Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017

Grand Rapids Office by Appt.

800 826-1929

http://ForeclosurePreventionInstitute.com

Get Prepared For The Next Financial Banking Collapse

April 26th, 2010

I was listening to Glenn Beck sharing his financial predictions
on the radio while driving home from a week-end gathering. He
forewarns of another larger and more devasting financial banking
collapse within the next year or so. Interestingly, President O’bama
this week is calling for financial reform, and says if his program is not
adopted there will be another financial crisis of greater proportions. So
even, President O’bama knows of this brewing banking financial disaster.

Interestingly, Glen Beck is all for financial reform, but not
President O’bama’s proposal. President O’bama’s stimulus and
financial policies are just deepening and extending this recession
and causing huge and massive unemployment. In my opinion,
he has destroyed the best healthcare and economic system in the
world all for the sake of his ideology.

I, too, see another financial collapse partially due to the next
wave of foreclosures that is occurring now. Foreclosures have increased
since the Adjustable Rate Mortgages are now adjusting; since the banks’
are allowed to be overtly agressive in foreclosing and their unwillingness to
lose any money; and due to continued job loss. Well-paying and secure jobs
are few and are certainly not being created in the private sector at any
significant rate — only government jobs. Union jobs that offered security
are basically extinct. Case in point, this spring (for the first time in 30 years),
teaching positions in Michigan are being cut significantly due to loss of students
and revenue. By grand design, we are all to be dependent upon the “State.”
Neither O’bama nor Conservatives really like unions.

Overall, in this financial climate, Banks especially in Michigan do not have
any money to lend, because of all of the nonperforming commercial and
residential loans and defaults; inability to qualify for a loan; and also due
to all of the new banking regulations. Real-estate sales alone have dropped
this month since the government incentives for first time homebuyers is now
over, and not allowing private investors to enter the market for fear of making
a profit. The new EPA rules are also killing off market sales. In Michigan, it is
going to be impossible or extremely difficult and expensive to paint any house, inside
or out, if built before 1978 due to lead paint hazards.

The working or middle class society of today will probably never own a home or
see secure and/or stable jobs again if our country continues to adopt this socialistic
framework. Although, I could be wrong if everyone works for the government — but
one needs to understand that any income earned will go directly back to the government.
Indirectly, you will be taxed and your money seized like permitted within the new
healthcare legislation. Even the housing industry I think is adjusting to this idea.
It is being proposed that if one were to obtain a mortgage loan and if in the future one
defaults or is foreclosed, then the homeowner will have the right to rent for 5 years.
Now, who is going to loan anyone any significant amount of money considering these
new rules? Under O’bama, the idea of home ownership will in actuality be nonexistent.
Remember private property is not allowed in a socialistic system.

A huge percentage of our economy within a capitalistic republic is dependent upon
a strong real estate market, a vibrant manufacturing sector, and a strong healthcare
industry. I doubt if there can be a strong recovery without strong growth in these
markets. The financial markets will certainly collapse, because the banks need to
lend money. However, there are no incentives to work, to start a business, or the
ability to own a home.

The government can keep printing money and throwing it around, but in the
end it will be useless and worthless. Markets have to be allowed to adjust on
their own. Our economy will never be able to recover as long as our government
is allowed to pick and choose who is to succeed and who is to fail like when the
government picked AIG and Goldman Sachs.

What was unique about our society was the fact that an individual or business
entity could choose to pursue an idea out of happiness and ultimately could either
“win” or “fail.” Our capitalistic society provided an opportunity, but with no guarantees.
Competition was considered good and fed the desire for excellence. Today, Americans
have traded this “freedom” for a false sense of security such as “free” healthcare, “free”
rent, “free” income but at a surf’s wages, and “free” education but without choice of
carreer path.

Glenn Beck suggests that one gets his “house” in order…meaning get out
of debt and stay out of debt now. If you are smart you will cut-up your credit
cards and not use them. Banks are starting to entice individuals to come back
and use their credit cards, but if you do you will again be a “slave” to them.
Banks are hoping to capture the new and unsuspecting young adults. I hope the
Mothers and Dads of our society are teaching their children to not adopt our financial
institutions’ trap of needing “credit.”

The American public I also hope is now savy and intelligent enough to say, “No” to
credit cards and bank loans. Americans will have to establish an underground economy
to trade and barter until Americans are able to take back their country and freedoms at
the ballot box and by saying, “No” to Obama’s national banking system. More challenging
and harder times are coming! It is inevitable. Will you be prepared?

Saving the American Dream 800.826.1929

P.S. If you are upside down in your home and want
to keep your home and get control of your finances, consider
a Principal Balance Mortgage Reduction.

David Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800 826-1929 Call Today!

http://ForeclosurePreventionInstitute.com

Lower Cholesterol By Drinking Green Tea

April 26th, 2010

Today, I heard that drinking green tea on a consistent
daily basis will lower your cholesterol. I am excited,
because I prefer tea over coffee, and have been drinking
a very special tea from Thailand. It’s a mild tasting tea and
clears out my sinuses to boot. Allergies really kick
in at this time of year in Michigan.

Teas vary in terms of where they are grown and how they
are processed. The climate needs to be not too hot and
not too cold and grown high in the mountains where fresh
spring like water is plentiful for the plants to mature. The
tea leaves are only harvested at a certain time of the day
to preserve the high anti-oxidants.

I really like the tea. It is very low in caffeine and has
a nice smooth taste with a little bit of a sweet after-taste.
I never use sugar to sweeten this tea. The tea comes in
dried tea leaves. Only the top 3 tea leaves of the tea plant
are picked to provide us with the best tasting and healthy
high grade of tea available.

Check this tea out. Share it with all of your tea party
friends. It is a true gift, and will help maintain one’s healthy
life-style. Certainly an organic and wholistic approach to
healthcare that in the long run could be cheaper than
Obama’s healthcare plan. Insurance plans due to the passage
of this new legislation are rising by 17% this year. Do you
think you will be able to absorb these soaring costs? Relax
and have some tea. Check it out
or call 1 800 826-1929 for more information.

Drink Tea At Your Tea Party

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800 826-1929

http://ForeclosurePreventionInstitute.com

The Pundits Are Economically Optimistic

April 27th, 2010

    On the way to work this morning, the news on the radio was
highly optimistic. Ford Motor Company, Chrysler, and GM (Government
Motors) reported stunning profits in all markets. Ford Motors expected last
quarter to show earnings of about 1 billion dollars, so the executives were
pleasantly surprised to earn 2.1 billion dollars in profits. The Ford 150 and
the Ford Taurus were the biggest winners. Even Toyota is trying to stay
competitive although I didn’t hear what type of hit they took. Overall,
consumers are looking to see what’s new since we have been away from
the showrooms for so long. There seems to be lots of interest in automobiles
like Toyota’s hybrid, The Prius.

What does this mean for Michigan? Michigan is still a leading manufacturing
state, so one can expect as production increases, these companies will begin to
hire, and all the little businesses connected to the auto industry will also show some
healthy growth if they survived this recession.

Interestingly, though, the Stock Market dropped about 213 points or so. This
could be a reflection of the happenings in Washington DC. Goldman Sachs took
blazing reprimands on Capital Hill. The Democrats are wanting to reform the banking
industry to ensure there isn’t another financial catastrophe. Actually, they are wanting
to plug up the leak that President Clinton created when he dismantled the financial
safeguards during his last term of office, and that they had ignored all through President’s
Bush’s two terms in office. The losses could also be an indicator that the Stock Market
is not directly tied to the gross national product, but more to a craps table or
perhaps it maybe reflective of the insurance industry’s projections. My health insurance
company is predicting a 17% increase in premiums…thank you Congress. Congress is also
tossing out a rumor of a national sales tax to pay down on the trillion dollar debt.

Out on Main Street, people are still hurting. I hope jobs will be coming. College
graduates are taking low paying menial jobs. Any kind of job, though, is better than
none. In Hillsdale County, the unemployment rate is posted at 18%, but the true
statistics is probably closer to 30%. Teachers, firefighters, and policemen are now
being laid-off across the State. A consequence will be higher house insurance rates
since insurance risk factors increase — no one is available to respond to a house fire.
The only way to solve this problem is for taxpayers to vote for higher taxes which
probably won’t happen since many people are out of work, have lost their homes,
are struggling to pay their bills, have taken paycuts, and/or have lost their pensions
or life savings. Social security will be next on the chopping block.

No, all is not well. We are told it could be a lot worse if there had been no
pumping up of the economy with the various stimulus packages. Well, you can count
on higher taxes, higher interest rates, more fees, and inflation. Crude oil is now $83.00
a barrel, so gasoline at the pump today rose to about $3.00 per gallon. It is going to
be a long hot summer. Arizona has already heated up with their new law regarding
the treatment of illegal immigrants. The “States” are finally getting Washington D.C.’s
attention. Perhaps, we will also get their respect come November — that is my
optimism. Voting out those drunken deal makers and spenders in Washington will
certainly bring back confidence in all financial markets including my pocketbook. I
may then be able to buy a car, but of course with cash. To borrow from a bank is
just plain stupid — sorry Wall Street.

If you want to get out of debt, consider a debt settlement or a principal balance
reduction if you are upside down in your home. Call Foreclosure Prevention Institute,
LLC at 800 826-1929 today to get started.

Save America by Stopping Foreclosure

Carl Levin Is Today’s Ben Franklin

April 28th, 2010

Enemy is Wealth
Enemy is The Rich
Enemy is Profit
Enemy is Wall Street
Enemy is Corporate America
Enemy is Small Business Owner Who Can’t Be Monitorred
Enemy is Anyone Who Makes Money and Keeps It
Enemy is One Who Receives A Bonus
Enemy is Anyone Who Knows How Business Works
Enemy is A Tea Partier
Enemy is A Conservative Talk Radio Show Host
Enemy is Fox News
Enemy is A Short Sale
Enemy is Arizona
Enemy is Las Vegas
Enemy is A Conservative
Enemy is A Trader of Services
Enemy is A Gardner
Enemy is Someone Who Does Not Borrow Money From A Bank
Enemy is Someone Who Is Fiscally Responsible
Enemy is A Retired Person Who No Longer Pays Taxes
Enemy is A White Man
Enemy is Someone Who Takes Iniative
Enemy is Someone Who Drives A Car
Enemy is Someone Who Does Not Buy Health Insurance or The Right Kind and Amount of Insurance
Enemy is Someone Who Breathes

Listen to Laura Ingraham’s monologue discussing the scathing of Goldman Sachs
by Congress. Carl Levin with glasses on his nose attempted to put the blame on
Capitalism and firms like Goldman Sachs rather than blaming Congress for demanding
that banks throw-out their conservative business practices and loan to people
who had risky situations that could not support a mortgage for any length of time.

To be fair, let’s invesitgate Freddie Mac and Fannie Mae. Goldman Sachs worked
well within the realm of law to make money. It is their business like banks to
make money. At the time, they did practice within the law when selling derivatives.
However, the democrats scream that it all was unethical. If you want to talk about
“ethics,” let’s look at all the deals that Democrats made to pass their healthcare reform bill.
The healthcare reform bill is truely what is going to bankrupt this country, and also their
unwillingness to defend our borders to the massive infiltration of illegal immigrants.

Today, you can’t plan or play by the rules, because the rules are continually changing.
If you get out of bed, you will probably break a law and not even know it. We are all to
be dependent surfs of the government who must say, “Mother May I.” As Hillary Clinton
once said, “We know best.”

If you need a bail-out due to a hardship contact
Dave Brigle at Foreclosure Prevention Institute, LLC
800 826-1929
271 Viking Dr
Battle Creek, MI 49017

http://ForeclosurePreventionInstitute.com

Saving the American Dream 800.826.1929

Get A No Equity Refinance! 1 800 826-1929

April 29th, 2010

Saving the American Dream 800.826.1929

When you are upside down in your home, you may be able to do
what’s called a Principal Balance Reduction Program. As a homeowner
you can refi to 95% of the current market value of your home. It does
not matter if you have Bad Credit or Good Credit. The Principal Balance
Reduction Programs allow for 30 year low fixed rates and provide instant
equity.

Usually to qualify for a principal balance reduction program one needs to
be about 20% upside down or underwater, and have a “true” financial
hardship to have the banks consider you for this type of program. Banks
are usuallly highly motivated to get non-performing notes (asets) off of
their books, because The Federal Reserve penalizes banks for holding onto
non-performing assets. However, they have guidelines to follow in
forgiving debt. Understand that not all banks will negotiate, but lately many
of the large banks are willing to consider a Principal Balance Reduction
Program if it is for a primary residence and the homeowner has experienced a
true hardship such as job loss, divorce, death of a spouse, cut-in pay etc.

How does a Principal Balance Reduction Program work? Many times the
homeowner’s note is negotiated along with other homeowners’ notes issued by
the same lender, but again sometimes individual notes are negotiated with
the associated bank. A price is negotiated for an investor to pay them off for
all cash, at a deep discount to the current market value. This is not a hard
money lender, but is private money and operates similar to a regular refinance.
It is all legal. Once your note is paid off, the terms of your note are rewritten
based on 95% of one’s current market value eliminating any “negative equity”
and actually giving you 5% instant equity.

The benefit of a Principal Balance Reduction Program is that one can have
a lower mortgage payment that makes sense, or perhaps have the opportunity to
then sell one’s home if wanting to move. Otherwise, a homeowner could be
stuck in their home for years waiting for this market to come back. It is
important that the homeowner can prove that he has the income to support
the new mortgage. It also won’t work if one has an extremely high debt to
income ratio. Banks like to see about a 35% debt to income ratio. So this
program is not for everyone, but does help a certain population of home-
owners. There are cities in this country where almost every home is underwater
or has lost significant amount of equity. Homeowners who are able to obtain
a Principal Balance Reduction can save a tremendous amount of money on
principal and interest.

This program just makes a lot of sense. Most homeowners have taken huge
financial hits, so why not banks help out communities and homeowners. Foreclosures
hurt everyone. One final note, these Principal Balance Reduction Programs cannot
stop a trustee or sherriff sale, but if a homeowner acts before being foreclosed upon
or acts quickly at the beginning of the foreclosure process, it may prevent the property
from being foreclosed. It takes between a month to about 3 months or
longer to restructure a loan. The home should also not be in bankruptcy only since
these programs are quite popular. Many companies just do not want to take take the time
to mess with this complication. If the home is out of bankruptcy, then that is a
different story.

If you are having difficulty getting a Principal Balance Reduction Program or have been
denied one there are several other options to consider such as a Forensic Audit to force
negotiations, Debt Settlement Services, Commercial Loan Modifications, Tax Settlement
Services, Short Sale Solutions, Cash for Keys, Deed in Lieu of Foreclosure and other
Loss Mitigation Services.

Foreclosure Prevention Institute, LLC is here to answer any lingering questions regarding
the Principal Balance Reduction Program or Foreclosure. We have 33 plus years
experience in the real estate, mortgage and foreclosure markets. Call today to
get started or to have your questions answered at 1 800 826-1929. We are here
to help you resolve your current situation so you can stay in your home and have
an affordable mortgage. We have many options available to help you through this
process so you can get back on your feet and regain control of your financial
situation. We have lots of tricks to stall, delay, and prevent foreclosure and/or
eviction. Our hotline is again 1 800 826-1929 or visit http://ForeclosurePrevention
Institute.com.

Unions Costing Jobs and Economic Recovery In Michigan

May 1st, 2010

     Small Business is how America grows jobs. It is not Corporate America. Most people

who work, work for a small business. In this recession, if there is to be a recovery, it

will be through small businesses. We are supposed to be a land of opportunity.

An individual gets an idea, formulates it, and puts it into action by creating a small

business. As one succeeds and profits one then begins to hire other people to grow

their business. This is how most jobs are created.

     However,  small businesses in this economic climate are meeting many road blocks.

  They cannot obtain capital/credit to grow their business; they are now being forced

to purchase health insurance for their employees whether they can afford it or not; 

and they are being forced into unionization mandated by States acceptance of the

Federal Stimulus Money.  If you don’t know it, when you take money from the Federal

Government there are all kinds of deals made and far reaching string attachments,

rules,  and mandates that are purposely designed to control people’s lives and businesses.

To date, our banks, automobile industries, schools, healthcare system, and Wall Street

giants have either been nationalized or are under heavy National and State control.

     We elected a president who is a socialist and have a Democratic Congress which is also

very progressive.   They know “best” and are wanting to control every aspect of your

life.  They don’t like small business, because they can’t control it.  It is hard for them

to tell how much a small business actually generates in terms of income.

In addition, President O’bama and the Democrats are having to thank the unions for

supporting and getting them elected.  So the unions are now jockeying in position to

cash-in on their favors.  Remember, the unions also had to take huge financial concessions

in the take over of the automobile industry.  Furthermore, their numbers have

dropped considerably due to this recession through job lay-offs, cuts or loss.    So the

 unions need to establish new members and expand if they are to become powerful

once again.

Save America by Stopping Foreclosure 1.800.826-1929

     The unions “I owe yous” are tied directly to the billions of dollars in Stimulus money.

The unions are growing and getting stronger through Employee “Forced” Choice Act.

The Employee ‘Forced’ Choice Act removes the right of workers to vote by secret ballot

in union-organizing elections, opening up employees to coercion and intimidation by

union bosses.   EFCA also forces workers into binding two-year contracts that determine

wages and benefits by Federal arbitrators.   This type of business climate will force

small businesses to close or flounder.  Workers will also lose out, because there will

be fewer jobs and since they will have to give up their wages to union dues.

     Katie Packer in “More Proof Big Labor’s Unionization Costs Jobs” gives a clear

example how the EFCA works is harming businesses and workers.  In Michigan,

40,000 day care workers recently found themselves in a union, even though the

majority never voted to join one. In fact, only 6,000 of them voted to be unioni

but now everyone will be forced to pay dues and represented by a collective

bargaining unit regardless.

     All of this started when Michigan received federal funding through the Department

of Human Services to give qualified (means-income tested) individuals assistance in

applying for daycare.  In order to get a piece of this money, union bosses were able to

orchestrate a vote where only the majority of those voting decided the fate of every

single daycare provider in the state.

     In Michigan, you have to be licensed to take care of children.  One mother was

challenged about not having a license when she was only helping her neighbors’ children

 onto the morning school bus as a favor to some parents who had to leave to work before

the school bus arrived to pick-up their children.   In the long run, either Day Care will

become unaffordable to parents and/or it will be difficult to find a Day Care for one’s

child.

     In Michigan, everything you do in terms of generating income requires a license.  You

cannot paint a house, plow someone’s driveway, sell lemonade, or watch somebody’s

kids without having a license.   Today’s government wants you to be dependent on them.

The only jobs that are going to be generated of any significance will be in the government

controlled sector.  If you have a job in the private sector they want to limit how much you

make and how you do business..  President O’bama says there is a point when you have made

enough money.   Your money is really the government’s money.   Within six months, higher

taxes, more taxes, fees, interest rates, dues, and other charges will be kicking in to take your

money away from businesses as well as you the individual.

     Consequently, Michigan and many other states’s economies will continue to lump

along, unemployment will continue to be in double digits, and foreclosures will

continue to rise.  More and more cities and states will become bankrupt and pensions

will be robbed to help pay for social services since no one is working.  Energy costs are

going to rise especially in light of the Oil Slick in the Gulf of Mexico.

     Until big government is reigned in, America’s economy, small business, and free enterprise

have little chance of recovering in our lifetime.   The unions also have to disappear.    That

may happen, because neither Conservatives nor Socialists really like unions.    Unions are

only a mean or tool to take one’s money and control one’s livelihood.   In today’s society, due

to all the legislation regarding the work place and discrimination policies, unions have

outlived their usefulness.  To survive, the only thing that will work will be an

underground economy.

Save America by Stopping Foreclosure 1.800.826-1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49107
800.826.1929

http://ForeclosurePreventionInsitute.com

A Great Gentle Tiger Passed

May 4th, 2010

Broadcaster Ernie Harwell, 92 years old, passed away today after
fighting cancer for months. He was humble, a gentleman, and beloved by
generations of fans “who grew up listening to his rich voice, Southern cadence
and quirky phrases on the radio.” He started broadcasting the Detroit Tiger’s
game in 1960. My brother admired Ernie. He identified with Ernie Harwell, because
he too was a paperboy at one time, and of course a stout loyal fan of the Tigers.
He dreamed of being a sports announcer like Ernie and ended up writing for newspapers
and working in a college sports’ press box for a couple of years.

Ernie made listening to the game of baseball on the radio fun and exciting. Often
times, our family would be traveling somewhere in the car during the summer games,
but I didn’t mind having my Dad tune into the games, because we would root,
cheer and laugh every time we heard the ball was “loooooooong” gone! It was
certainly a sad day when the Tiger’s, after 42 years, retired him as announcer
for the Tiger’s. Tiger fans all “booed.” He certainly was a true “legend.”

Thinking back, I may have gone to two Tiger games in Detriot. My brother and son
continue to go and “root” for the Tiger’s each spring. All I know is, that as a native
of Michigan, Detroit Hudsons, juicy processed hot dogs, the beautiful powerful GM
Clunkers with their V-8 engines, and Ernie Harwell’s calls are and will be missed, but
forever instilled in our memory. Somethings should never change.

Foreclosure Prevention Institute: To Your Health

Rumor Has It —- Wake up Fellow Americans!

May 5th, 2010

Congress does not understand why many people are becoming
disgusted with the direction our country is taking, but maybe
I can shed some light and help people wake-up and stand-up to
say, “Enough.” In Michigan and the Midwest, many of us
believe in rugged individualism. We don’t expect the government
to solve all of our problems. However, we do expect the
government to stay out of our way. All it needs to do is protect
us from foreign and domestic terrorists; and assist us in natural
or man-made catastrophies.

In the last depression back in the 1930′s, we pulled up our bootstraps
and worked hard to grow and prosper. The Auto Industry, Steel Industry,
Oil Industry, and other manufacturing companies valued sweat equity,
and loyalty, and eventually paid a decent wage. In the 1940′s, men and
women fought for our freedom, and the opportunity to pursue happiness.

Private Enterprise created opportunity and through education, hardwork,
and may be with a little luck or good timing we achieved and enjoyed a good
life for about 50 years. We were happy. Discrimination lessened through
the Civil Rights movement in the 1960′s.

Now the “good life” for middle America is being stripped away from us little
by little. The Government allowed our manufacturing companies to move
South through NAFTA so they could become competitive in a “global” economy.
Then the government started pushing multi-culturalism to rid of racism and to
show we may be different, but we are all the same. Yes, most people do want
opportunity, but not “free” handouts.

Actually, people develop pride when they succeed through their own competing
efforts. However, the government in the 90s especially through the educational
system suggested competition is unhealthy. The premise being that everyone is
equal and has the ability to learn the same things and therefore should be given
the same things whether they earned it or not. Classic example, everyone should
own a home regardless of effort and whether they can afford it or not.

Now, in steps the government to solve the housing foreclosure crisis and mess
that they helped create, and to provide government jobs through trillion of dollars
of stimulus money that we will eventually be paying back. In the meantime, people
are out of work. Government employees keep their jobs and are being paid salaries
at a much higher rate than in the private sector. Furthermore, the borders are left
open to allow any illegal to come in and take jobs and use our precious financial
resources.

All we can do is just sit around to watch families, states, and cities go bankrupt
along with countries like Greece. At least, everyone except the elitists will be
broke and poor. AIG, and the “Banks” remain solvent with bailouts from the Feds,
but the Feds forced General Motors into bankruptcy.

Now, I hear that the government is about to strip away the pensions from the
workers from old GM. States are also readying to strip away pensions from teachers
and public employees. Actually, all pensions are at risk since many private companies
are going bankrupt. Social Security (the Ponzi scheme it is) will or is also bankrupt.
So even though, we played by the government rules, I guess we will all be paupers
and serfs — no savings, pensions or social security as promised. No health insurance
either, only $1,000 dollars in fines for not buying health insurance, higher taxes for
safety purposes (Police and Fire), and Fees for licenses, permits, and services.

Rumor has it that Fed Ex and UPS are endangered of being overtaken by the
government. The US Postal Service is losing money and cannot compete against
the “Brown uniforms.” Want to transfer funds between bank accounts? NPC who
overtook National City now charges $10.00 to do just that unless you do it yourself
online. Another rumor involves putting a meter on your well, so cities can charge
you for water usage? Fruit, dairy and vegetable farmers ought to be outraged
at this thought.

Americans are taking “note.” Fed-up with the lawlessness, Arizona took charge to
do what the Federal Government refuses to do. At least, they recognize rules should
be followed and laws be enforced. This is fairness and opportunity for all who play
by the rules. I have to show my identification whereever I do business.

It basically, comes down to the Constitution. Quit ignoring the constitution and our
inalienable rights. Our Constitution is what made this Country “GREAT!” No
apology is necessary — just ask Iraqis who once lived under a brutal dictator.
Thank you President Bush for your steadfastness and knowing what is “right.”

We have the manpower, natural resources, and knowledge to once again become
a great society. Our greatest power will be at the ballot box when we send a
clear message that our country needs to move to the right rather than continue
moving to the far left. Given fairness, freedom, and opportunity, we can succeed
once more. Otherwise, we will wake-up one day to China owning and controlling
us.  They did buy our debts and “I Owe You’s.”   When you think about it, China
well may be the true “Master” and Mortgagor. Their growing population and
wealth can certainly overtake us within 20 years or less if we don’t wake up soon.

Stopping Foreclosure!

Saving the American Dream 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Hot Line: 800 826-1929 Call Today and Get Relief!
http://ForeclosurePreventionInstitute.com

It’s Time To Buy Gold and Hoard Food

May 6th, 2010

Saving the American Dream 800.826.1929

Today, the Stock Market dropped 1,000 points after hearing how
European banks are propping up Greece’s economy through stimulus
money. The European banks are facing problems like our banks did.
Furthermore, there are heavy betters hedging on the market, and
probably some illegal maneuvering. The little guy best stay out of
this market and buy gold.

Wall Street’s previous gains are based on falsehoods and big lies.
Your gut has to tell you this when walking on Main Street. Our economy
is not expanding nor is it strong. Real staying jobs are not being created.
Most jobs are temporary and low paying. The stimulus money is being
put into play now, but this has no lasting effect and will within a year or
so be spent. The only jobs left will be government jobs, and this industry
does not normally manufacture goods to influence the gross national
domestic product (GDP).

Congress’s idea from the get-go was to spend our way out of our
financial problems. However, the money was given to all the thieves
who had created this problem. The thieves gladly took our money
not once, but twice.  Big banks and lenders who hold the money are
most likely computerized gambling again with this “windfall.” If you know
anything about Casinos, the odds are stacked against you. The house
always wins in the end…I’m not sure yet who holds/owns the cards…maybe
the United Nations –the World Bank. In any event, Wall Street is just
the dealer, and he had a full house today. Very few people recovered
their loss by the end of the day. The banks or savy investors may have
made a killing.

The common hardworking man is too naive to understand the real
politics at play. By the time, enough of us all wake-up, it will be too late.
Our savings, jobs, homes, pensions, and social security will all be wiped
away or gone in a day just like what happened today, as well as any
type of future for the next generation.

You must understand that the government cannot keep throwing money
at a “Big Black Global Hole.” Our economy collapsed, and physics will tell you
that even though no one can see this “Black Hole,” it does exist. The “Black
Hole” emits rays called “Panic”…you can feel it. The force of gravity in a black
hole is so strong that even light cannot escape. So no matter how hard we, the
Community Organizer, or our Congressman try, we cannot get our money back.

The market will eventually correct itself like it tried today. You haven’t seen
“nothing” yet I predict there will be another huge adjustment within a year
or two. In the meantime, we will have our health insurance, taxes, and perhaps
a monthly stipend to maybe exist. Silly isn’t it? The only thing left to do is to
hopefully stock-pile enough food and amunition to protect what little you have as
we survive this deep depression. If our constitution still exists, we as “Rugged”
Individuals will create a new and stronger Republic and capitalistic economy with
politicians who listen and a very limited government.

David Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Hot Line:  800 826-1929

401K’s Gone With A Stroke Of A Pen

May 7th, 2010

Maybe I am as naive as most Americans. It just hit me that
President O’bama can “save the day” and get rid of all of our
National debt by robbing us blind, but legally by taking over our
401K’s. As yesterday showed us, the Stock Market’s sudden peaks
and valleys is no place to securely invest our money for the future –
way too risky and with no guarantees. So President O’bama will help
us all out by nationalizing our 401K’s with guaranteed growth higher
than inflation. This is the final cap.

The socialistic and absolutist master plan is now revealed. President
O’bama has seized the day through our economic crisis to systematically
nationalize the economy of the United States by:

  • “first the banks;
  • then the insurance companies;
  • then the auto industry;
  • then healthcare;
  • and now the piece de resistance, the private savings accounts of millions
    of middle-class Americans.

This is an unlawful usurpation of power unprecedented in the annals of American
political history.” However, the liberals can do it by ignoring the constitution which
they believe is a living and changing document. Certainly the stock market’s free
fall yesterday can be contributed to a conspiracy all planned within Obama’s camp.

Al Sharpton will finally have his day, because we now are equal with each other — equally poor.

Read the whole story here!

Save America by Stopping Foreclosure 1.800.826-1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Hot Line 800.826.1929
Get a Principal Reduction Today!

Change Michigan’s Nonsmoking Areas into Nonchildren Areas

May 12th, 2010

     Since May 1st, patrons in Michigan restaurants are no longer allowed to

light-up and smoke inside or outside if food is being served.   The

intent is to protect customers, bar tenders, and waitresses from harmful

secondary smoke.   I don’t know if on average this has caused restaurants

to lose or gain business and profits.

       I do know that one restaurant is experiencing an increase in business since

the tables are being turned faster.   People are actually buying breakfast.  The old

smoking customers no longer stay tying up the tables with their smokes and coffee

drinking.

     Tonight, I went to TGIF’s for dinner and the bar seemed as crowded as before the ban on

smoking.  I had an urge to light-up, but didn’t…I’m not a smoker but just hate

being told I can’t do something.   I did enjoy the fresh air and watching the Tiger’s

game on the big screen without fanning through the smoke.  The atmosphere

was perfect with adults holding conversations until a family sat down in a booth

in front of me with two children under the age of five.   Immediately, there was

one toddler running around between the tables, a shrill voice, and a tad of crying

from the baby.     Don’t get me wrong, I like children but at this moment I wanted

peace and quiet and especially thought I deserved it since I was paying for this meal

and time.   I certainly did not need to be subjected to the children’s unruliness especially

since I had to give up my smokes for a similar respectful and health-related reason.  I could

contend that the children’s behavior raised my blood pressure and that is not good for me.

     Irritated, I began thinking that if the United States is supposed to take on the European

economy then maybe we ought to follow London’s pub rules.  Children are not

allowed in pubs during dinner and evening hours.   Certainly, we could easily convert

the smoking and nonsmoking areas into adult and children sections.  Subjecting

children to the fumes of drinking must be harmful to their health and certainly

is not something children should view.   We are just teaching these children to be

future drinkers or alcoholics.   Furthermore, in Michigan are not adults over the age

of 21 carded before they can enter and drink?   These children are certainly not at

the legal age limit for the serving of alcohol.  I know they were with their parents,

but still one cannot ensure that the children will not get a sip of the alcohol.

     What do you say?  Should we not compromise and keep children out of the

bar areas after 5:00 P.M.?   It certainly would keep my cigar smoking husband

happy.   If not, he will probably want to join a private club. 

David Brigle, Managing Member
Foreclosure Prevention Institute
271 Viking Dr
Battle Creek, MI 49017
800 826.1929

http://ForeclosurePreventionInstitute.com

Save America!

Click on the eagle to toast your health.

Why Homeowners Should Consider A Principal Reduction Or A Strategic Default

May 14th, 2010

Saving the American Dream 800.826.1929

This article is quite long, but explains exactly what has happened
and is happening in the housing market today…the language is strong
but expresses the sentiment of many homeowners and knowledgeable
people within the real estate industry…and puts it right back into the
lap of Washington D.C. and bankers.

Freddie Mac Has a Message for Strategic Defaulters? Yeah,
Well I Have a Message for Freddie Mac.

Mandelman posting on ML-Implode.com Thursday 13th May

Yet another mortgage banking-type, this time by the name of Donald Bisenius,
Executive Vice President in charge of Freddie Mac’s Single Family Credit Guarante
Business, on May 3rd, apparently felt compelled to share his words of wisdom on
the topic of “strategic default,” the term used to describe homeowners deciding to
walk away from their mortgages even though, by some indications, they seem to be
able to afford the payments at the time, because… well, because they decide it’s the
right decision for them, that’s why.

The core message in his article, titled “A Perspective on Strategic Defaults,” as
described in the Wall Street Journal, is “Please Don’t Do It,” and after reading it on
Freddie Mac’s Website just this morning… Yowza! Now, I’m head over heels in love
with the idea of strategically defaulting! Thanks Donald!

Okay guys, if you haven’t already realized that this is going to be one of those
Mandelman smack-downs, I can absolutely assure you that it is, so if you don’t like
that sort of thing… well, it’s time to say “Check please,” and head for the door, ‘cause
I have lost the modicum of patience I normally have with clowns like Donald, and so
many others in the mortgage banking industry, and if I don’t say anything about good
old Donny-boy, I’ll probably wake up with some fatal disease that eats away at one’s
intestinal tract. Fair warning, right? Okay then.

Donald Bisenius, you are an unfeeling, officious, witless, wholly incompetent jackass.
And I tried my best to delete one of those terms and couldn’t even decide which one
applied to you less. How dare you, sir? There are but two possibilities here. Either you’re
actually that obtuse that you don’t see anything wrong with your little love note to
homeowners, or you know better and wrote it anyway, which makes you a bad guy.

Before I go on, here’s Mr. Bisenius’ bio, on Bloomberg.com:
He joined the firm in 1992 as a Director of Portfolio Quality in the mortgage credit policy
department. In this position, Dr. Bisenius and his group were responsible for analyzing
and reporting on portfolio and industry statistics, identifying credit risk exposures, and
recommending corrective actions.

And this guy is still employed? Honest to Pete? Which part of that job description did
he get right? Unfrigginbelievable. And “Dr.” Bisenius? What… a botanist, right?
Alliterative memo to the Obama Administration: Fire fool at Freddie and fast. What does
it say on Don’s last couple of employee reviews, I can’t help but wonder? Please tell me
there’s at least a “Needs improvement?” or maybe a “Lacks initiative?” But it doesn’t say
anything like that, does it?

No, because Donny-boy was recently PROMOTED from Senior Vice President to Executive VP.
And that’s just awe inspiringly incongruous. Like in a take-your-breath-away, One Flew
Over the Cuckoo’s Nest sort of way. Like, if Enron’s CEO, Ken Lay had not died of a heart
attack a few years back, and then been named Energy Secretary.

Here’s more from Bloomberg:
Since 1998, Dr. Bisenius served as a Senior Vice President of Risk Assessment and Model
Development, Mortgage Offerings, Risk and Capital Management, and most recently
Mortgage Credit Risk Management in the Single Family Capital Deployment Division. In
these roles, he managed the overall credit risk exposure of the single-family business,
including establishing the firm’s single-family credit policies.

Okay, fine. So, what’s he really been doing since 1998? Not working at that job, right?
You’re not asking me to believe that he’s been “managing Freddie’s overall credit risk
exposure of the single-family business,” or “establishing the firm’s single-family credit
policies,” are you? Come on… seriously?

“The Donald” begins his quaint little front page article by explaining what “strategic
defaults” are, thus demonstrating right off the bat that he has no idea what’s going
on in real life in this country. From there he proceeds to shovel insult upon insult until
he slams his creation into injury with the force of a high-speed bullet train hitting a kid
on a tricycle. Here’s how he describes strategic defaults:

“…a new and growing concern has emerged: strategic defaults. In other words, borrowers
who have the financial means to make monthly mortgage payments, but choose not to do
so and, instead, purposely default on their loans.”

Yep, that’s exactly what’s happening in this country today. In fact, the entire foreclosure
crisis is nothing more than a bunch of aging boomers deciding that it’s so much hipper to rent.
I’ve personally spoken with several thousand homeowners from all over the country, hundreds
that have considered walking away from their mortgages, or are now in the process of doing
so, and let me assure you, Don-O, your description bears no resemblance to anything that’s
actually happening. And a strategic default isn’t a new, growing investment strategy, DB, it’s
still someone losing their home.

Not one of the homeowners that I’ve heard from describes their situation in such happy-Sunday
-in-the-suburbs type terms. The homeowners I know are undergoing the worst turmoil of their
lives, and having exhausted every other avenue (supposedly) available to them, have come
to the inescapable conclusion that walking away is their best… no, their only option. Don-Don
makes it sound like they reached the decision over highballs at the 19th hole after wrapping
up an afternoon on the links. Did I already call him a jackass? Rats.

Ding-Don’s on-line editorial manages to offend right from the start and right up to its end,
such as:

“Knowing the costs and factoring in the time horizon, some borrowers have made the
calculation that it is better to purposely default on the mortgage. While I understand
how that might well be a good decision for certain borrowers, that doesn’t make it good
social policy. That’s because strategic defaults affect many other families and communities.
And these costs – or as they are known in economic jargon, externalities – are not
factored into the individual borrower’s calculations.”

What in the Sam Hill did he just say? Something about my walking away from a toxic,
spring loaded, snapping turtle of a mortgage not being “good social policy”? I’m in charge
of social policy all of a sudden? I’m should be factoring “externalities” into my decisions.
No one mentioned that before… I was only concentrating on my family’s life circling the drain.
Listen up, Donald Duck… I’m not the least bit concerned with what you think of as being
good or bad social policy, and neither should any other homeowner who is fighting to keep
his or her head above water, because it’s you, and people like you that allowed the financial
sector to steer our nation’s economy off a cliff. Here’s a social policy I think you should
consider:

How about you start by telling the truth about what happened here. Perhaps you
could then acknowledge how unregulated markets and inconceivably unsupervised
and greedy sociopaths misused their positions, lied to investors around the world,
and bankrupted our financial institutions, while lining their own pockets. Maybe wrap
it up by telling folks about how your lobbyists pumped hundreds of millions, or perhaps
billions into lobbying efforts in an effort to cover up your crimes and ineptitude so as
to go forward without any accountability, as you lay the blame for the crisis on
homeowners who you say, borrowed too much.

That would be good social policy, at least as far as the people of this country are concerned.
You come clean on any of that, and then we’ll talk about what you think the rest of us
should do, okay? Because you’ve got a lot of nerve to write something that has the very
definite potential to take someone who already feels ashamed, and make them feel that much
worse.

Morgan Stanley strategically defaulted a couple of months back, and that was a loan for
many hundreds of millions of dollars, or was it billions? The Mortgage Bankers Association
did some walking away from mortgaged real estate this year too, right? Did you write letters
to either of them, or any of other the big corporations that are ditching whatever they’ve
decided makes no sense for them to pay for, even though they signed the mortgage? Were
you concerned about how Morgan was executing social policy, or criticize them for failing to
consider externalities?

Don’t ask me why, but the man goes on:

“Let’s start with the neighbors. When strategic defaults occur, homes go into foreclosure
and sit vacant for some period of time. We know from experience that foreclosures and
vacancies drive down the property values of everyone else in the neighborhood. Thus,
strategic defaulters, in effect, deplete the personal wealth of their neighbors. Get a critical
mass of strategic defaults, and broader communities and regions become affected. Indeed,
Economy.com, the analytic firm recently said that more strategic defaults could tip a fragile
housing market back into one of further price declines. Even more families harmed.”

You know what… this really isn’t funny anymore. Mr. Bisenius, are you seriously blaming this
on the homeowners who are losing homes to foreclosure? Do you also blame the businesses
that file for bankruptcy? And the brokers, right? Regulators? Why not? It’s everyone’s fault
but the bankers, is that about right? The strategic defaulters deplete the personal wealth of
their neighbors? No they do not. What is wrong with you?

Are you’re actually trying to make the case that strategic defaulters are, again as the WSJ
article phrased it, “undermining their own neighborhoods?” I wouldn’t care if that were even
a little bit true, because the more salient question to ask is how could anyone possibly
undermine a neighborhood beyond what you and your brethren have already done?

If you and your bankster buddies were so damn concerned about driving down property values,
much less depleting the wealth of homeowners, quite a few things come to mind that you
might have done to-date. You could push lenders and servicers, for example, to modify a few
more loans, and by modify I mean the kind where the payments actually go down more then 3.5%,
or maybe you could have led the charge for a principal reduction or two, like it says you’re
supposed to do in the HAMP guidelines. Just thinking out loud over here… but you haven’t done
too much along any of those lines, now have you?

In fact, truth be told, you’ve done almost nothing in terms of contributing to solutions to the
financial crisis, isn’t that right? All you’ve done is contribute to the creation of the problem,
while continuing to lose breathtaking sums of money. Here’s a little snippet from the news,
just a week back:

Reuters:
Freddie Mac said it would need $10.6 billion in government funds after losing $8 billion in the
first quarter (of 2010).

And in case everyone doesn’t remember just what’s going on with the GSEs, Fannie and
Freddie, this from the Washington Post:

Under the terms of the government’s 2008 emergency takeover of Fannie and Freddie, the
Treasury must pump money into either firm whenever its worth, as measured by assets
minus liabilities, goes into the red. Late last year, the Obama administration pledged
unlimited backing.

Yes, Donald… you guys over at Freddie are clearly doing crackerjack work. I can absolutely
understand why you’d want to take time out of your busy day to write something telling
distressed homeowners that they aren’t helping the situation by helping themselves. Thanks
for that. You’re a real peach, you know that, Don?

Then, three quarters of the way into his piece-of-trash’s treatise, his true colors begin to show:

Should strategic defaults become more common, mortgage guarantors and investors, including
Freddie Mac, would need to factor this risk more prominently into their credit policies and prices.
The likely impact on future homebuyers: the cost of a mortgage will go up and credit terms will
be less flexible. Thus, the impact of strategic defaulters on still more families might be more
expensive mortgages and loans that are more difficult to obtain.

Ahhh, there it is! The banking lobby’s favorite scary bedtime story. Are you threatening us,
Mr. Bisenius? Or, are you trying to divide people against each other? Trying to make it so I get
mad at someone who strategically defaults for causing my costs to go up in the future. Is that
your game, you insolent prick?

Hey Don… I don’t suppose that you’d care to quantify what “factor this risk more prominently
into credit policies and prices” converts to in American money?

Let me ask you a question. If I get foreclosed on, you guys get the house back and then
you sell it at whatever the market price brings, right? And so, if I strategically default what
happens? Same thing, or do you sell it for less than market because it was strategically
defaulted on? And what about if you ever granted a reduction in the principal amount owed?
Wouldn’t you, worst case, write down the amount of the loan to the market price too?
Hmmm… market price, market price, or market price?

But wait… you say. That’s not right because the house might sell for a few dollars difference,
or might have a slightly different cost, one way or the other? Yeah, so what? It’s both
insignificant and beside the point. The point is that people that strategically default do so
because they either already are, are about to be, or don’t want to be in trouble financially.
A strategic default is really just a homeowner granting his or her own principal reduction.
Look at it this way, Don, every strategic default saves one family from throwing their
money away needlessly on lost equity, which means they can still pay for their kid’s college
education, buy that new car, or… perish the thought… buy one of the millions of homes that
some bank has foreclosed on, but has yet to put on the market… you know… the “shadow
inventory”.

See, strategic defaulters are actually helping to pull this country out of the recession
that you… yes Don, you… helped push us into! You should be cheering their decision not to
go down with the ship! Thank you strategic defaulters… go pick up a vacation condo in Miami
or Las Vegas for $25k. Without you, those places would likely still be sitting empty 25 years
from now.

But Don wants us to know that we all have options, and wait till you get a load of this
pant-load’s idea of what those options include. Make sure you’re sitting down for this:

Do borrowers considering strategic defaults have other options? They do. For those
who have not suffered any disruption in income and have a longer time horizon, simply
continuing to pay the bills might be best. Over time, recovering house prices and declining
mortgage balances likely will close some, if not all, of the equity gap. According to the
Federal Reserve, while the housing bust wiped out $8 trillion in home equity, $1 trillion
came back in 2009. The point here: time might be your best ally.

This guy may just win my Dick-of-the-Year Award hands down. Did he just say: “simply
continuing to pay the bills might be best?” I can’t be sure because there’s no way that
my heart could stand reading that paragraph again. Best for whom, Donald? You are
such a… I cannot believe what a… wait, no. I’m not going to do it; my health has to
come first.

And yes Don, over time the housing market will come back… as will the market for dot-com
IPOs. Everything comes back… eventually… that’s why I’m still holding onto my skinny ties.
I even imagine that perhaps one day… Freddie Mac will be profitable again? But when,
Don… when? I’m 48 years old and in pretty good health… will I live to see that day?

Historically, as in over the last 100 years, housing prices rose about 4% a year on average.
So, if I’m down by 50% now, how much does my home have to go up for me to be back to
breakeven? Not 50%, right Don? Closer to 100%, isn’t that right? So, if the next 100 years
looks anything like the last hundred, in terms of price appreciation, how long will I have to
wait for that 100% jump to put me at breakeven again?

I’m not that good with numbers Don… what do you figure… about 25 years sound right?
In the ballpark? I guess that’s not that bad… to breakeven. Better than I’ve done in the
stock market over the last quarter century, all things considered, I suppose.

Don offered other choices too:

“Another alternative: if Freddie Mac owns the loan, a family might be able to refinance
up to 125 percent of the current property value. In other words, if a family’s home equity
has been completely wiped out and the mortgage balance is as much as 25 percent more
than the home is worth…”

That’s nice of you, Don. So, if I owe $600,000, but my house is now worth $300,000… you
might let me refinance it for $375,000? Cool. That means all I have to come up with is
$225,000? Awesome, let me get my checkbook, I’ll just write you a check from my asshole
account.

Let me get this straight, the bankers of this country destroyed the financial markets for
their own personal gain resulting in the most severe economic meltdown since the last time
the bankers of this country destroyed the financial markets for their own personal gain, about
70 years back. This is not a market correction, Don. Homeowners at risk of foreclosure
today are not where they are because they made irresponsible decisions. And banks aren’t
lending today because people aren’t making their payments.

Banks aren’t lending today because the people that worked, and except for those who
retired mega-rich, still work within them, bankrupted them through a mind-boggling number
of the most irresponsible, unconscionable, uncaring, and obviously unregulated behaviors
the world has ever seen. They abused and took advantage of everything that wasn’t under
lock and key, demonstrating beyond any doubt that they are of an ilk that cannot be trusted.

Dr. Bisenius, you speak of how a homeowner, acting in his or her own best financial interests,
is actually harming our society when walking away from a mortgage. You accuse those that
decide to walk away, of harming others in their neighborhoods by their thoughtless and selfish
acts. You want them to give more consideration to how their behaviors impact the lives of
those around them, and society as a whole.

I suppose the irony is lost on you, but those are the very same traits that the citizens of this
country wanted… and certainly expected… from our nation’s bankers. And tragically, those are
the same type of behaviors that our bankers failed to deliver to the detriment of all. It is
specifically the complete absence of those traits and behaviors that caused our economic
downfall, one that will continue to cause acute pain for many millions of Americans, to say
nothing of people around the world, certainly for years, and perhaps decades to come.
Your own mega-mortgage bank, Freddie Mac, now a GOE, Government OWNED Enterprise,
only exists today because of the taxpayers in this country, and that will likely be the case
throughout my lifetime.

You and people like you broke it, Mr. Bisenius, and you own it. How dare you, of all people,
even have a personal opinion on optimal social policy, let alone feel you have the right, in
your official capacity, to share such a view publicly.

Moreover, Mr. Bisenius, how dare you insult every homeowner in this country including me,
by asking from us what you and your peers have never been willing to give to this country?
You want people to not be selfish, to not act in their own financial interests? You want
them to put the good of our society above their own financial gain?

Well, perhaps you should try talking into the mirror, sir. Every single day now we see more
of who you and others in the banking industry really are, and what you have done… you are
naked before us. And, God damn you if your article caused even one person to feel even the
slightest pangs of guilt for deciding to do what’s in their own best interest.

If you wanted to speak out publicly for the good of our society, as the person in charge of
mortgage credit risk management at the world’s second largest mortgage company, you had
years to stand up and say that what was happening was wrong. Your silence on that particular
subject was then, and is now deafening.

Here’s what you said back in June of 2004, however, when you testified in the U.S. House of
Representatives, before the Subcommittee on Capital Markets, Insurance and Government
Sponsored Enterprises:

“We recognize our special responsibility to homebuyers, the public, the Congress and investors.
Freddie Mac is a leader in developing and promoting responsible lending practices and we are a
leader in combating mortgage fraud. We have instituted the secondary mortgage market’s most
comprehensive set of measures designed to protect consumers from predatory lending practices.
And, we have a comprehensive quality control program that helps Freddie Mac and lenders
combat fraud associated with mortgage lending.”

“Fraudulent mortgage originations have an adverse impact on America’s families and the communities
in which they live. Our policies, procedures and programs are designed to help Freddie Mac and
others in the mortgage finance system better detect fraudulent and suspicious activities. We are
committed to working with participants in the mortgage finance system to help prevent fraudulent
activities and to help more families realize the full benefits of long-term homeownership.”

“Our quality control program helps us identify loans with suspicious or fraudulent characteristics and
helps lenders establish quality control practices that safeguard against fraud.”
“Freddie Mac is also firmly committed to helping participants in the mortgage finance industry
establish comprehensive quality control practices that safeguard against fraud and improper
business practices.”

“Freddie Mac has instituted the secondary mortgage market’s most comprehensive set of
measures designed to protect consumers from predatory lending practices.”

“We regularly introduce innovative loan products aimed at giving borrowers with impaired
credit greater mortgage choices and initiatives that help borrowers avoid the pitfalls of
predatory lending.”

“Freddie Mac has also taken a leadership role in the development of innovative outreach
initiatives designed to provide consumers with information on the use of credit, to make
them aware of their financial options and to help them avoid borrowing pitfalls. Our public
education campaigns help potential borrowers better understand the mortgage lending
process.”

Dr. Bisenius, I read your entire testimony in front of Congress back in 2004, and I am
unable to discern with any certainty which of your statements were lies and which
subsequently became lies as a result of incompetence. You owe homeowners in this
country an apology, sir. And an explanation… why would we listen to you now?
One last sentence from your posting on strategic defaults…

“While a personal financial strategy might argue for a strategic default, entire
communities and future homebuyers can be harmed as a result. And that is why our
broader social and policy interests will be best served by discouraging strategic defaults.”

Go to hell, Dr. Bisenius. Go directly to hell.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Hot Line 1.800.826.1929

Michigan Needs Freakin’ Jobs

May 14th, 2010

[/caption]

I Need A Freakin' Job

     INAFJ.org posted a billboard to let visiting President O’bama

and his entourage know that People in Buffalo, New York desperately

need freakin’ jobs.   Critic say that he has not done enough

to get people back to work.  

     I just want to let you know that if someone in Michigan

 needs a job or has a job opening I will certainly post it

to this blog.   I know a lot of people all over the country are hurting and needing jobs

to support their families and themselves.   Congress just doesn’t get it. ..”Oh, the economy

could have been worse if we hadn’t spent all of this stimulus money.”  Well, just tell that

to the millions who have lost their home, life savings, business, marriage, jobs and/or health

due to this long term recession of joblessness.

     USA is Greece!   The problem is that even if one is lucky to generate an income or have a job

our paper money is going to be worthless due to coming inflation from overspending; or will be

stolen through all of the taxes now being proposed and implemented.   Remember, many of

the Cities and States across this once great nation are broke due to a decrease in tax revenue.

Gee, I wonder why?  Dummy, no one is able to pay taxes, because many have no jobs.   Thank

you NAFTA and all you democrats and so-called Republicans. 

     Case in point, in Grand Rapids, Wyoming and Kentwood, Michigan taxpayers

approved a 1% tax hike to save their fire and police departments.  If they hadn’t,

homeowners were told that their hazard homeowners’  insurance policies would

increase due to the closing of neighborhood fire departments.   So taxpayers had

little choice, but to follow the advice of the politicians and vote for safety.

     Then to thank the taxpayers for their vote, the Cities now want to have the

property owners pay the utility bills for street lights.  As many Michigan

citizen’s know many of the street lights in towns throughout Michigan were purchased

and installed through Federal grant and stimulus money.   Our response back is

just “turn off the lights” and through the “rats” out!   Enough is enough.   Bring back

our jobs or at least get out of our way and allow the private sector and small businesses

to create well-paying and stable jobs.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929

Save America by Stopping Foreclosure 1.800.826-1929

Join Our Team!   Become An Affiliate

Fieger Accusing Detroit Police of Misrepresenting Shooting Incident of 7 Year Old

May 18th, 2010

Jeffrey Fieger, a high profile attorney who considered running for Michigan’s Governship,
is accusing Detroit Police of misrepresenting the happenings in the accidental
shooting of Aiyana Jones while executing a search warrant, according to officials.
He says he has a tape that shows officers rushing the home and throwing a flash
grenade through a window before one officer fires into the home from the front porch.

The police version is that members of the Detroit Police Special Response Team approached
the house and announced themselves as police. Officers used a “flash bang” device, entered
the home and encountered a 46-year-old female inside the front room. Evidently, the officer and the
woman had some level of physical contact. At about this time, “the officer’s weapon discharged
one round which, tragically, struck 7-year-old Aiyana Stanley Jones in the neck/head area.” Aiyana
had been sleeping on the couch.

Although there was no murder warrant at this particular time, the police had a search
warrant for the suspect in a shooting Friday that killed a high school student. Fieger
says the suspect was found in an apartment next door and not in Aiyana Jones’ home.

My condolences goes out to Aiyana Jones’ family and to the high school student’s family.
They both are tragic events that need not have occurred. It will be interesting to see
the truth unfold behind this accidental shooting of the 7 year old.

As a citizen, I partially understand why police like to go in and arrest a suspect at night.
The police have cover of “darkness” and the element of surprise. It protects the police
and their lives, but then puts innocent lives at risk as well. If you are sound asleep,
you may not comprehend or hear the words “Police,” and then to be startled with a bomb
bursting through your picture window would certainly put someone on defense…who
wouldn’t first resist. How do you know it really is the “Police?”

This story is similar to a shooting that happened a couple of years ago in Grand Rapids,
Michigan. A Grand Valley Student I think had sold some pot, and was associating with
some other friends who were considered “dealers in pot.” So late at night, the
police burst into the student’s home shining bright lights onto the sleeping suspects.
The one student reacted by attempting to cover his eyes, but the police officer mistook
the move as a threat and shot the student in the chest. The public outcry was quite
intense since this was not a “high crime” like murder, and as a result the student and
police both apologized to each other. The student received no jail time due to the
nature of his injuries and understood that illegal activity does have consequences.

In general, in a surprise attack, the victim does not have time to think. It is like in
the story,

    Jack and the Beanstalk

. Jack goes up to seize the Giant’s harp
that had belonged to his father. Jack is able to plan and outwit the Giant, because
the giant was sleeping and only awoke due to the scream of the harp yelling, “Master,
Master.” The giant stumbles over a loose rock and Jack therefore has time to cut
down all the beanstalks except for one. As the giant climbs down the last beanstalk,
Jack takes the hatchet and cuts it in two and the giant comes crashing down.

Now go back to Detroit. Was the suspect arrested in the Jones’ home or is it possible
that the suspect in Detroit escaped out of the Jones’ home and ran next door with the
police following and entering that home with no warrant. Did any of the residents know
the suspect was hiding from the police? Is he the killer? Are the police covering their
hind ends? Who knows, again time will tell. What is the moral to this story? Is America
a police state? Remember years ago, the seizing of the little boy from Cuba in Florida –
same type of police activity…over and over again?

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017

Need a Principal Reduction to Save Money or Stop Foreclosure?

Saving the American Dream 800.826.1929

Call 1 800 826-1929
or email Dave at
db@michiganloanhomeinc.com

Rand Paul, As A Tea Partier I Hear Your Message

May 19th, 2010

I am excited to see this political novice, Rand Paul, win Kentucky’s Republican Senate
Primary by a landslide! Congratulations to all Kentuckians for picking this Derby winner.
He is young and refreshing to hear, and I like that he clearly states why he is running
for the Senate…”to take back our government;” and acknowledges and accepts
capitalism as the system that makes our country great. He nor we need never apologize.

For years, people all over the world envied our country and came to America for freedom
and an opportunity to succeed. Our U.S. Constitution safeguards our freedoms; and
Capitalism rewards those who create or take risks to pursue their dreams. No system is
perfect, but it is far more fair and profitable than any other economic system or form of
government.

Certainly, Capitalism and our Constitution allow and guarantee individual freedoms that
no other system or form of government has ever done. We are provided an opportunity
to risk, create, profit, and save to purchase, donate and spend as we see fit. We are
a generous nation as well, but are endangered of a financial calamity if we continue to
redistribute the wealth; bail-out undeserving individuals, companies, and governments;
and spend outside of our budget. Giving a child whatever he wants without earning it
instills only apathy and unproductivity and lowers self-esteem since there is no pride.

We have one chance to redirect the course of this Country and tackle this huge trillion
dollar deficit by booting out the incumbents, leftists, and irresponsible congressmen that
are misguided about who we are and the values that we hold dear. It will hurt in the
short run to become fiscally responsible, but we will be better off in the long term, and
future generations will thank us.

Taxes and unemployment will decrease, and real economic growth and expansion will
occur. I urge all Tea Partiers to support the likes of Rand Paul!

Foreclosure Prevention Institute, LLC - Relieve Your Stress

Try some special healthy tea!
800 826-1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800 826-1929
db@MichiganLoanHomeInc.com

Principal Reduction Stops Foreclosure

May 19th, 2010

Saving the American Dream 800.826.1929

Foreclosure hurts not only families, but also communities.
Home values are decreased and empty houses invite crime and
drugs into the community. The government bodies are also
hurt by a decrease in tax revenue. Businesses also decline
with a rash of foreclosures.

Foreclosure Prevention Institute, LLC located in Battle Creek
and Grand Rapids has been helping homeowners keep their homes
for five years now. There are many reasons for foreclosure. FPI
has helped homeowners who have experienced loss in employment,
loss of income, change in marital status, serious illness, adoption,
disability, closure of business, and death of spouse, etc. They are a
national company, but started out servicing Western Michigan.

Usually, there are many problems associated with the
foreclosure – financial, emotional, legal, fraud, bankruptcy, appraisal,
time-lines, eviction issues, adjustable rate mortgages etc. Having 30
plus years in the real estate industry and the foreclosure market, allows
Foreclosure Prevention Institute, LLC to tackle problems that most
companies or lawyers would turn away.

Various options are discussed depending on the needs and wants
of the homeowner. If the homeowner has income or the means to
afford the mortgage, problem-solving negotiations is begun. It usually
entails a forensic audit of the mortgage and appraisal; and modifying of
the loan with a mortgage principal reduction. They usually approach
the lender’s legal department and not the servicing hope or resolution
department. Legal departments tend to have the authority to
negotiate terms and settle disputes. Referrals are made to attorneys,
real estate agents, appraisers, and rental companies when needed to
stabilize the home situation. Their fees are nominal and basically cover
the hard costs spent to save someone’s home. Pre-qualifications are conducted
in regards to applying for a Principal Mortgage Reduction.

If a homeowner owes 20% more than the home is worth, and has
income to support the new modified loan, new rates and terms can
usually be negotiated to reduce the principal of the mortgage. A
simple loan modification rarely reduces the principal. This program
is unique to Foreclosure Prevention Institute, LLC since private
money is used. It is similar to a refinance, but one can have either
good or bad credit — it doesn’t matter. It is a popular program and
provides real hope and change for the homeowner.

You can find out more about their services by calling 800 826-1929
and talking to Dave Brigle, Managing Member of Foreclosure Prevention
Institute, LLC. You may also email him at db@michiganhomeloaninc.com.

Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI
800 826-1929

http://ForeclosurePreventionInstitute.com

Tech Support Needed

May 20th, 2010

Dear Tech Support:

Last year I upgraded from Girlfriend 7.0 to Wife 1.0. I soon noticed that
the new program began unexpected child processing that took up a lot
of space and valuable resources. No mention of this was included with
the product information. In addition, Wife 1.0 installed itself into all other
programs and now launches during system initialization, where it monitors
all other system activity.

Applications such as Poker Night 10.3, Football 5.0, Fishing 7.5, and
Motorcycling 5.0 no longer run, crashing the system whenever selected.
I can’t seem to keep Wife 1.0 in the background while attempting to run
my favorite applications. I’m thinking about going back to Girlfriend 7.0, but
the uninstall doesn’t work on Wife 1.0. Please help!!!!!!

THE REPLY:

Dear Troubled User:

This is due to a very common problem that generates many complaints.
It is due to a primary misconception generally by male users. Many people
upgrade from Girlfriend 7.0 to Wife 1.0 thinking that it is merely a “Utilities
and Entertainment program”.

Wife 1.0 is an OPERATING SYSTEM and is designed by its creator to run
everything! It is also impossible to delete Wife 1.0 and return to Girlfriend
7.0. Hidden operating systems files cause Girlfriend 7.0 to emulate Wife 1.0,
so nothing is gained.

It is impossible to uninstall, delete, or purge the program files from the system
once installed. You cannot go back to Girlfriend 7.0 because Wife 1.0 is designed
to disallow this.

Some have tried Girlfriend 8.0 or Wife 2.0 but end up with more problems than in the
original system. Look in your Wife 1.0 manual under  “Warnings – Alimony/Child Support.”
I recommend that you keep Wife 1.0 and work on improving the situation.

I suggest installing the background application C:\YES DEAR to alleviate software
augmentation. Having installed Wife 1.0 myself, I also suggest that you read the
entire section regarding “General Partnership Faults (GPFs).” You must assume all
responsibility for any faults and problems that occur, regardless of their cause. You
will also find that GPF’s are cyclical. The best course of action is to enter the
command C:\APOLOGIZE. Avoid excessive use of C:\YES DEAR because ultimately
you will have to give the APOLOGIZE command before the system will return too
normal anyway.

Wife 1.0 is a great program, but it tends to be very high maintenance.
Wife 1.0 comes with several support programs, such as Clean and Sweep 3.0,
Cook It 1.5 (which replaces Burn It 1.0), Trash 4.0, and Do Bills 4.2.

You must, however, be very careful how you use these programs. Improper
use will cause the system to launch the program NagNag 9.5. Once this happens,
the only way to improve the performance of Wife 1.0 is to purchase additional
software. I recommend Flowers 2.1 and Diamonds 5.0 should this happen.

WARNING!!!!! DO NOT, under any circumstances, install
SecretaryShortSkirt 3.3. This application is not supported by Wife 1.0 and will
cause irreversible damage to the operating system.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800 826-1929

Save America by Stopping Foreclosure 1.800.826-1929

Computer Repair & Computer Networking Assistance

Will Build Desk-Top Computers From Scratch
Programming
Home Visits
Very Reasonable Prices & Labor

Call Bernardo Moore
616.957.2121
Servicing Greater Grand Rapids Area
Bilingual (Spanish & English)

or
Call Dave Brigle 800 826-1929 for Principal Reduction

Explaining State of Michigan’s Retirement Incentive For Teachers

May 25th, 2010

Michigan Public School Teachers are considering retirement at this time.  Many
schools are offering buy-outs and the State of Michigan is offering an incentive
program as well in order to lower costs and to allow younger teachers to keep
their jobs. The State expects about 10% of the teachers who are eligible to retire
to accept the State of Michigan’s new offer. The amended offer is .016 or .0155
(vs the normal .015 multiplier) times a teacher’s compensation in the Public School
Employee Pension plan. The compensation accumulated through both teacher/employee
contributions and their respective school district’s contributions. This is an earned
pension and not as some would say a “union gift.”

The window for accepting this retirement or early incentive program is short — by
June 11th. It is possible that a few teachers may be able to defer retirement for
a year, if the school district has difficulty in replacing that particular teacher.
One may also accept .0155 for a short period of time if after the June deadline.

It used to be that Schools valued experienced teachers, but not so since the State
is broke; and since many School Districts’ fund equities are also in jeopardy or are
being depleted. Michigan School Districts are facing financial difficulty not so much to
teacher pay as to a decrease in enrollment, energy costs, insurance costs,
budget cuts and an ill-funded public school system. It is very difficult for school districts
to budget when the school’s money does not coincide with the State’s budget deadlines and
when the State cannot balance it’s own budget. It is easy to point fingers and put
blame on another group. (Just think of the BP’s oil spill and how everyone is pointing
fingers at each other rather than looking at the whole oil and energy crisis.) Rallies are
being held across Michigan to say to legislatures “Enough is Enough!”

Teachers, as a whole, this coming year will face 20% to 30% increases in their insurance
premiums, 3% contributions to their retirement plan, as well as wage freezes or cuts
to help school districts balance their budgets. This amounts to about $5,000 to $6,000
real hard cuts in their wages. This is another reason why teachers close to retirement
are considering retiring.

The public might say, well, it is about time. However, you must understand that many
teacher unions gave up salary increases over the years for insurance benefits. Teachers
also have to continually go back to school now to keep up their certifications and
qualifications which is tough especially for the younger teachers who also have school
loans to payback. Teachers also voluntarily contribute on the average about $1,000
out of their own pockets for school supplies and incentives for their students during
the schoolyear, and endless hours of their own time planning, preparing, evaluating,
and coaching to meet their students’ needs. It is not an easy job.

In closing, I would just say thank you to all the dedicated public school employees
across our nation, and to all the highly qualified and experienced retiring teachers
and school employees … a job well-done.

Saving the American Dream 800.826.1929

David Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
db@michiganloanhomeinc.com
800 826-1929

http://ForeclosurePreventionInstitute.com

Get A Principal Reduction Regardless of Credit

June 13th, 2010

Saving the American Dream 800.826.1929

Who Is Your Lender?:

Are You Upside Down On Your Mortgage?

     Foreclosure Prevention Institute, LLC is helping homeowners

facing foreclosure obtain principal reduction of their mortgages

with participating banks and major lenders, who are offering potential

principal reduction, including Bank of America, Wells Fargo, GMAC,

Citi Mortgage, Wachovia, Chase, and the list goes on.

     This privately funded program is available in all 50 states, but more

prevalant in California, Nevada, Michigan, Illinois, and Florida. If you

are underwater in equity, in other words, owe more on your property than it

is worth by at least 120% (including your second mortgage), we want to talk

to you and see if we can help you qualify for this special program. We will

run the numbers, work with you to see if your ratios are correct, verify everything

that will help determine if you will qualify for this privately funded program,

at about 90% of current market value. It is similar to a refinance. FHA guidelines

will apply.

     Credit does not matter.   You can be behind or current with your mortgage.
 
You do need some sort of verifiable income to support the new mortgage payments. 

How many people have wanted to take advantage of the lowest interest rates in thirty

years, but don’t even try because they don’t think they will qualify because of

Loan to value issues, debt to income ratios, or credit issues? In the hardest hit

states now there is hope. For all the people who have been told they “do not qualify”,

there is now hope!

     Yes the government is pressing the banks to work with the homeowners, and in some

cases breakthroughs are happening. We are on the frontlines with the banks, submitting

files that have the correct ratios and complete files and following through with lenders,

underwriters and analysts or negotiators, in the loss mitigation and/or legal departments.

There is help and good things are being done for people who need help.  We are helping

homeowners in all markets whether you owe $750,000 or $55,000 on your primary residence.

Perhaps you have an adjustable rate mortgage that is adjusting upward.  If you are current

with your payments or behind, call us.  All you need is a “true” hardship such as a job

loss, reduction in pay, temporary layoff, loss of spouse, medical problem, etc.

     Now, not all properties will qualify, but even income or investment properties may be

selected to participate in the program. We will still run all properties through a complete

qualifying program, with our underwriters and investors. Many times we can pre-qualify

you on the phone, instantly. 

     If you are in a foreclosure situation, we can help. If you need a sale date postponed,

we can help. If you just want to see if you can save a few hundred dollars a month on

a loan due to a current hardship, we can help. You may now qualify for not only for a

loan modification, but also you may qualify for a principle reduction, and get back to

current rates.

     The economy and the “dollar” is getting stronger now.  It is predicted that interest rates

will be jumping up in the near future.  So don’t wait any longer, but call Foreclosure

Prevention Institute, LLC now at 1.800.826.1929 and ask for

Dave, Managing Member.  We have 30+ years in the foreclosure and real estate market.

Stop worrying and get started today and find financial peace and SAVE your home!

Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929
Dave Brigle, Managing Member
brigle@appraisaloffice.biz

America in Crisis

June 21st, 2010

      “The Price of Freedom is eternal vigilance.” … Thomas Jefferson

Most people agree that America is in crisis.  What is not agreed upon

is the degree of danger or the nature of the danger let alone how to mee

the challenges facing our Nation.  It is my opinion that there are three

basic groups of people all of which are in conflict concerning the well-

being of this great Republic.

     Socialist and all those people who believe that the Government is

the answer to all their problems and the Government will take care of them.

The problem with this is that an “elitist group” is now in control and

individual freedom is lost.

     The most pathetic group is those that suffer from the Ostrich syndrome

as it applies to the ever increasing dangers facing America today.  These

people are concerned with their “status quo” and are willing to blow in the

wind HOPING that the crisis will blow away and leave them unscathed.  What

happens is as the ostrich hides it head in the sand it leaves its’ ass

exposed.

     The third group is Freedom Fighters, those individuals who believe in

individual freedom, the Constitution of the United States and the positive

power of capitalism.  These are the very type of people who founded this

great country.  These are the people who believe that a crisis can turn into

a catastrophe in a minute triggered by any sort of event.  The threat is real,

and we as Americans must face that threat, prepare, and know what to do to

prevent it.        

     What are you going to do in this State of the Union crisis?  Are you

going to survive or be a casualty?  Are you prepared for a financial collapse,

major terrorist attack of chemical, biological or nuclear or even a pandemic?

Now is the time to decide who you are and join the Freedom Fighters on the

wall to defend America.

     If you would like to comment about this article you can contact me at…

Brigle@appraisaloffice.biz

Saving the American Dream 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
Hot Line: 800 826-1929

How to Obtain a Principal Reduction to Restructure Mortgage Note

July 2nd, 2010

Saving the American Dream 800.826.1929

Foreclosure Prevention Institute, LLC is helping homeowners who are
behind in their mortgages and upside down in their homes restructure
their mortgage notes into a 30 year fixed-rate with a trust deed principal
reduction. This trust deed principal reduction program is:

1. Not a loan modification
2. Not a short sale
3. Not a short refinance
4. Not a forebearance
5. Not a deed in lieu
6. Not for the unemployed
7. Not a new origination

This is a 30 year fixed-rate restructured note with a decent interest rate.
We are not orginating a loan, but are negotiating with the bank or mortgage
company to restructure a homeowner’s mortgage note who is facing foreclosure.
There are certain limitations and a submission process within this program to
successfully eliminate debt and to create wealth in this downward housing
spiral.

Many people are trapped in option arms and are experiencing job loss or pay
cuts. Foreclosures are depressing values and destroying whole neighborhoods.
People are frustrated and are now willing to walk away from their homes.
Foreclosure Prevention Institute, LLC is trying to provide an alternative solution
to help stop this dangerous financial meltdown. Our principal balance reduction
program is backed by private equity and hedge funds. A principal balance
reduction will help people to save their homes and reestablish good credit and
alleviate debt. A foreclosure or bankruptcy will destroy one’s credit for 7 to 12 years.

A homeowner who wants to save their homes either needs a bailout or will need
to file bankruptcy. To negotiate a restructured note costs about $895 for the 1st
mortgage and $175 for the 2nd mortgage or HeLOC. The money is placed in a
trust fund to guarantee funds to a third party for processing and appraisal costs etc.
If a principal reduction is not successful to the companies satisfaction, $295.00 is
refunded and the homeowner is referred to other programs.

How are the notes negotiated? The notes are bundled into 10, 20 or 30 notes and
thrown at the bank. We have special relationships with 6 of the largest banks in the nation.
We can also work with smaller banks and credit unions. Regardless, each individual note
is looked at and negotiated since each note has different back-end investors who have
specified rules that must be followed. Why do banks want to liquidate these notes? It’s
because they don’t need more Real Estate Owned Properties (REOs). They are in the
business of lending not in real estate. Banks will negotiate and sell bundles of non-performing
notes so that they can free up their money to lend more money. Specifically,
a bank will make:

1. $16,000 in a short sale
2. $2,288 if a REO
3. -$42,000 as a foreclosure
4. $18,000 in a non purchase (principal reduction)

The profile of this principal reduction negotiation is critical.
Our private/hedge funds investors have a price range, the
banks/mortgage lenders have a price range, and the client
has to qualify within certain debt to income ratios. The note
is bought from the bank at a discount and then the note
restructured near market value with an interest rate determined
by the homeowner’s credit. Understand though, it does not
matter if a homeowner has good or bad credit, but one may
obtain a little better interest rate if one has a better credit.

What is important is that the homeowner be
1. Living in a single family residence.
2. The home be their primary home.
3. The home is not a mobile or manufactured home.
3. That the homeowner be 30 to 60 days late on their mortgage.
4. That the home be 20% or more upside down (owe more than what the home is worth).
5. After negotiations, that the debt to income ratio be 31% or less.

Homeowners should not worry about their debt to income ratio. If needed we can
do debt settlement. If a homeowner is in bankruptcy, the home must be set aside
or we will have to get permission from the bank and judge to set the house aside.
The only state that we cannot perform in is the State of Maryland. States like
Florida, California, Nevada, and Arizona are prime candidates since real estate has
really plunged.

Homeowners with a principal reduction will experience 25% to 50% reduction in the
monthly mortgage payments. There are no origination or closing costs. Taxes and
insurance will be paid through the new servicing company. If after reading this article,
you think you might fit this profile, call Foreclosure Prevention Institute, LLC’s hotline at
1.800.826.1929 or goto Foreclosure Prevention Institute, LLC. Ask for Dave Brigle
who is Managing Member for more details. If you are ready to apply, it’s easy. Just
enter your name, email address and telephone number. We will contact you directly.
For immediate assistance call 1.800.826.1929 .

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929

http://ForeclosurePreventionInstitute,com

Today’s Fight For Our Freedom

July 4th, 2010

Today is the Fourth of July and let us never forget those 56 Americans
who risked everything including their lives, fortunes, and honor as
they signed the Declaration of Independence. Did you know 5 of those
men were captured and incarcerated; several lost wives, sons, or entire
families; one lost his 13 children; and two wives were brutally treated.
Furthermore, all were at one time manhunted and driven from their homes;
and twelve had their homes burned to the ground. Seventeen lost everything
they owned, but not one betrayed their word or defected back to England.

Perhaps each of us should read the Declaration of Independence and
consider these inspiring words: “We hold these truths to be self-evident,
that all men are created equal, that they are endowed by their Creator with
certain unalienable rights, that among these are Life, Liberty and the pursuit
of Happiness. Many lives were sacrificed to these high ideals and for the
cry of “Freedom.”

Can today’s leaders really be considered “true” Americans like these
56 heroes?  Overall, we see our Congressmen taking away our freedoms
little by little for what is thought to be for our own good and under the guise of
“security.” Most act like elitists and are attempting social engineering
of our culture while ignoring our constitution and constitutional rights. The
would-be next Supreme Court Justice Kagan does not believe in or even
understand the words “that all men are created equal, that they are endowed by
their creator with certain unalienable rights….” President O’bama said, “he is
redistributing our wealth” regardless of the fact that we earned our income and
purposefully saved our money. Furthermore, our legislators are taxing us without
representation through fees and licensing laws. Try to create or start-up a small
business in this type of economic climate and with the unprecedent historically
high capital gains tax that is to be implemented in January of 2011.

In essence, we are to be equal in terms of our income; and furthermore the powers
to be would prefer that the middle class not be working — for then they are
dependent on government handouts. Even Madame Pelosi said in effect that jobs
are created by extending unemployment benefits. Our society is to return to the
European style of living. We are to be “subjects” and to live out our lives in poverty
and debt. Republicans and Democrats alike are ensuring that even future generations
will be indebted before they are born by bankrupting this nation and increasing our
taxes. California, Illinois, and New York are technically bankrupt as we speak. Public
employees have been paid with “I owe you’s” or are having their wages cut to the
minimum wage limit. I would say that most of us can relate to this as we in the private
sector have seen our net pay decreased or have been forced to retire; and by 2012
we will be oweing the government much in terms of income taxes. Furthermore, we
will be immobile, because either gasoline will be scarce; or the cap and tax bill will
make energy and fuel unaffordable.

This is a “Grand Design” by mostly the Democrats who have had unchecked power.
They are able to blame the Republicans and Capitalism for the financial mess; and
can say that free enterprise does not work, while they pass legislation that forces
banks away from their conservative practices, and deem budgets passed without a
vote. Due to the 2001 terrorist strike on the twin towers, President George W. Bush
basically ignored our problems at home. President O’bama, on the otherhand, does
not care about foreign policy and continues to apologize to our foes so he can
concentrate on changing our domestic policy, and so his wife can finally be proud of
“America.” We need to suffer like “her people” have suffered and other poverty
stricken nations have suffered for over two hundred years.

Reading this seems bleak. Yet, there still is an “American Spirit” that will not perish.
Seventy percent of us in this great nation have an opportunity and a duty to cast
our vote in the August Primary and then in the National Election in November to
throw out these gutless congressman or the traitors within whether they be called
Democrats or Republicans. The Rhinos and central planners have ignored us and so
should “fear” us and the tea parties. We are not organized by any community
organizer, but what holds us together is our conservative values and the “cry for
freedom.” We will take this country back!

Grand Rapids Tea Party, July 3, 2010 at Riverside Park:

Want to Save Your Home From Foreclosure and/or Obtain Debt Relief?
Then call Foreclosure Prevention Institute for a Principal Mortgage Reduction and/or
Debt Settlement. We will be glad to evaluate your situation for free and to
provide the best solution for you depending upon your goals.

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929

Reduce or Modify Mortgage Principals for Distressed Homeowners

July 8th, 2010

     Cutting the mortgage balance of a distressed

homeowner who owes more than their home is

worth is certainly an effective method for saving

one’s home from foreclosure. 

     The Principal Mortgage Reduction Program

is aimed at a growing population of homeowners

who are underwater on their loans.   Five months

ago, about 11 million homeowners owed more than

their homes appraised at, and this number continues

to grow in this time of economic uncertainty and

double digit unemployment rate.  Economists are

worried that many homeowners will simply walk

away from their mortgages or “strategically

default,” because it may take 10 years or more before

homes regain their original equities.

     To qualify for a principal balance reduction

program the homeowner has to have a  strong

history of paying the mortgage payment on time,

but may currently be one or more months behind

in their mortgage due to a particular hardship.

     Refinancing is out of the question due to

credit and depressed appraised values.  Forebearance

plans that simply cut interest rates or extend terms of a mortgage

 to provide mortgage relief do not address the underlying problem. 

Homeowners have no possible way to sell their home without a short sale

 In today’s society, there is no job security and people must be mobile.

It used to be that people moved every 5 years, now it is much less.

     Homes that would qualify for a principal reduction need to

be at least 20% underwater or more.  A large percentage of

homes in California, Arizona, and Nevada are significantly

underwater, and also tend to have risky mortgages such as

“Option” ARMs.  Many ARMs are ready to reset, or only

partial interest has been paid with this product causing a

large principal balance.

     Hedge funds and private investors are purchasing

these nonperforming loans in block, and then on 

an individual basis negotiating with banks case by case

since each note has differing situations, back-end investors, and rules. 

Once the note is renegotiated, the homeowner receives new terms

near current market value.  Interest rates are usually

lowered and may be based in part on the homeowner’s credit. 

     Big Banks like Wells Fargo or banks that have imploded or seized

by the FDIC are more apt to consider a Principal Mortgage Reduction.

The government HOPE program has helped a very few homeowners

obtain loan modifications that eventually reduce the principal balances.

If not a principal balance reduction program, then homeowners only

other alternative to stop foreclosure is by filing bankruptcy.  However,

legislation last year failed to allow bankruptcy judges to cut the

principal.   The most difficult concern is the uncertainty of

the housing market.  Home values may continue to be depressed

even further since there are signs of a second recession or

great depression.  

     However, this makes for a strong case for banks to

accept a principal balance reduction.   Banks don’t need anymore

REO’s.  There is already a 5 year backlog, and for homeowners

who are delinquent in their payments explains why banks are taking

their time in foreclosing. Some homeowners have gone a whole year

without having made a mortgage payment.  This certainly provides time

to obtain a principal balance reduction.  It is not a fast process, and with

no guarantees.   It may take 1 to 6 months to achieve a positive outcome.

The cost of a principal reduction is nominal and much less than a refinance.

It basically covers hard processing costs such as Broker Price Opinions (BPO’s).

     If you would like more information on principal balance reduction programs

or would like to apply for a trustee principal balance reduction call Foreclosure

Prevention Institute, LLC at 1.800.826.1929 .

Saving the American Dream 800.826.1929

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
800.826.1929
brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

Spreading the Word Regarding Strategic Mortgage Default

July 13th, 2010

ml-implode.com Monday 12th July

by Martin Andelman

Well, Would You Look At That… Homeowners Scared
the Heck Out of Fannie Mae

A few weeks ago, Fannie Mae issued an outright threat to
homeowners in this country, creating a new rule that would
punish anyone who stops paying their mortgage and walks away
from their home, referred to as a “strategic default,” by not allowing
those who choose that path to get a Fannie Mae loan for seven years.

They call it their “Seven-Year Lockout Policy for Strategic Defaulters,”
and if you haven’t realized it already… look what’s been accomplished
here: Homeowners have scared the heck out of industry giant, Fannie Mae.
I mean… these guys are shaking like leaves, absolutely running scared.
I know homeowners have been feeling like they have no power against
the bankers, but this should prove otherwise.  It’s like we pushed the bully,
and the bully ran home and got his Mom to come lay down a new rule in
response.

On Fannie’s Website, Terence Edwards, Executive Vice President for Credit
Portfolio Management has the following to say about the new rule:

“Walking away from a mortgage is bad for borrowers and bad
for communities and our approach is meant to deter the disturbing trend
toward strategic defaulting.”

Bad for borrowers, Terrence?  Really, how so?  Are you trying to say
that people who walk away from their underwater mortgages are
doing it because it’s bad for them?  Because I don’t think they think
that, Terence.  I’m pretty sure that those that choose to walk away
from their mortgages do so because they’ve figured out that it’s better
for them… in their own best interests, as they say.

Hey Terrence, you disingenuous prick, I understand that my
walking away from my mortgage is bad for you, but that’s only because
my house is now worth half of what I owe.  You wouldn’t mind if I walked
away from my mortgage if I had equity, right?  So, in other words, you
want me to lose the couple hundred grand instead of you, does that
about sum up your position here?  Yeah, well… I’m sure you do.  But I,
on the other hand, would prefer that you lose the money instead of me.
Sorry about that.

Terrence, last I checked you’re just a giant failed mortgage lender
who is as much a part of why we’re in this mess as any, and you’re
going to need $1.5 trillion in taxpayer dollars to bail you out.

I’m a taxpayer, Terrence… isn’t that enough of a loss for me to
take on your behalf?  You want me to contribute my tax dollars
and probably my child’s future tax dollars to your $1.5 trillion bailout.
And on top of that, you also want me to eat the loss of a couple
hundred grand on my house?

Geeze… when are you guys planning to kick in on this?  Your CEO
gets a $6 million a year salary, I looked it up, and best I can tell he
gets paid to say “yes” to just about everything.  I don’t know,
Terrence, but I’m pretty sure that I could have bankrupted Fannie Mae
for a lot less than $1.5 trillion.

Walking away from a $500,000 mortgage on a house that’s now
worth $250,000 isn’t bad for the borrower, it’s good for the
borrower… it makes all the financial sense in the world, for the borrower.
I mean, would you recommend that someone hold onto a stock that’s
lost half its value.

Then you say it’s bad for communities, Terrence, why do you think
that’s the case?  I mean… bad is a relative term, wouldn’t you agree.
And, in terms of doing bad things to communities, aren’t you guys at
Fannie Mae pretty much the poster children?  Like if the Olympic Games
had a “Damaging Communities” event, wouldn’t you guys at Fannie be like
the Michael Phelps of gold medalists, at the very least?

Yes, I’m afraid you would at that, Terry my boy.  You guys are responsible
for wiping out more communities than say… I don’t know… Joseph Stalin
comes to mind.  So does the bubonic plague.  So, now you’re all of a sudden
so concerned about my community, are you?

Terry, my home appraised at the peak of the insanity at $925,000.
Last week, we heard there was a short sale about eight homes down
from us.  Any guesses, Terry?  Well, I doubt you’d come close to $360,000
Mr. Fannie Mae spokesperson and executive VP.  I bought this house in 1990
for $340,000 you insensitive jackass.  Your incompetence has cost me a fortune.

You and your peers owe me money… or at the very least an apology…
or something else, but how dare you attempt to “punish me” should I decide
to become a productive member of society sooner by choosing not to take
$300,000 and set it on fire.  And what would you like me to do, Terrance,
if I spend the next twenty or thirty years paying for this house only to
find out that I’m still under water by some amount at that time?  Any
thoughts on that, you housing genius?  Maybe, try to do better in my
next lifetime, Terrence?

How exactly will my strategic default harm my community?  How exactly,
Mr. Edwards?  Because I’m thinking two things here:

One… If I let the home go into foreclosure, it’ll be
a REO and the bank will resell it at the market price, or maybe a little below.
But, no one is going to give it away for free, right Terry?  The market price
is the market price, right you mumbling mathlete?

If I’m allowed to short sale it, maybe it will sell for a little bit more,
but then again, it might not sell at all, in which case I’ll still end up in
foreclosure, but I won’t be able to stay in the house, saving money as
a result of not making payments, while I pay a lawyer to prolong my free
stay for as long as possible.  By the time I walk away, I’ll have maybe
$100,000 saved up, which will make moving and renting an absolute
breeze… to say nothing of my mental state, much improved as a result
of controlling my destiny and screwing you.

Two… a strategic default only creates a foreclosure,
and if you were so concerned about the impact of foreclosures on
communities, we wouldn’t be in the situation we’re in today.  I hope you’ll
forgive me if I laugh at you feigning concern about how foreclosures affect
our communities.  I’ve been watching quite a few loan modifications up close
and personal, and I haven’t seen Fannie Mae lift a finger to help a single
homeowner.  Banks are abusing homeowners left and right, every single
day of the year, with the exception of a few who take Christmas off, and
where has Fannie Mae been?

Now that I finally decide to take matters into my own hands, in the best
interests of me and my family, now you’re going to try to punish me,
you worthless piece of trash, how dare you?  Go to hell, Terrence Edwards.
You’re an insolent punk for saying what you said, for trying to scare
homeowners who are trying to survive this inconceivable catastrophe that
you and yours created.  You’re an empty suit hiding behind some overpaid
government job, nothing more.

You, of all people, claiming that strategic defaults are harming communities
is absolutely hysterical.  Like cautioning people to take an umbrella when
going for a walk into the eye of Hurricane Katrina.  Don’t forget your umbrella…
you wouldn’t want to get wet.  Yeah, thanks for that advice.

Your approach is to “deter the disturbing trend” towards strategic
defaulting?  Is that what you said?  Well, that’s the best damn news I’ve
had in at least three years.  You and the rest of the self-important louts
at Fannie Mae are actually disturbed by something.  Well, thank the good
Lord, I am glad to know that.  Because you certainly haven’t seemed very
disturbed at the carnage that’s been destroying the housing markets to-date,
Mr. Terrence Edwards.

If strategic defaulting is disturbing you and Fannie Mae in general,
well then that’s just about the best reason I could possibly think of
for doing it.  You talked me into it, Terrence, and God willing quite a
few others in this country whose lives have been ruined because of
Fannie’s ruinous policies and incompetent management.

And then, as if Mr. Terrence Edwards hadn’t said more than enough,
he went on to say:

“On the flip side, borrowers facing hardship who make a
good faith effort to resolve their situation with their servicer will preserve
the option to be considered for a future Fannie Mae loan in a shorter period
of time.”

On the flip side?  The flip side?  I swear, someone needs to give you
such a slap.  On the flip side, you actually have no idea what you’re talking
about, do you?  You think people are walking away because they didn’t talk
to their servicers?  You think, in that distorted little brain of yours, that it’s
homeowners who need to act in “good faith” more often?

Well, that’s it for me.  I don’t know what to say in response to that, except
to say that I can’t believe Terrence Edwards has a management job anywhere,
let alone at the world’s largest source of lending.  After a statement like that,
this guy should be asking women if they’d like to see something in a pump or a
loafer.

Homeowners aren’t the ones failing to act in good faith, Mr. Ed. 
Homeowners would all try to work with their servicers to resolve
something in good faith.  Homeowners, and I’ve personally talked at
length with thousands of them, have “good faith” written all over them.
They exude it from their pores.  That’s why they didn’t storm the castle
when you and the other banksters needed to be bailed out after you guys
decimated the global financial system.  But… on the flip side… their servicers
consistently, and by that I do mean all the damn time and every damn day…
continually lie, intimidate, bully, flagrantly break promises, and exhibit a lack
of caring that would make Mary Poppins look like Dr. Mengele.

Are you unaware of this, Mr. Ed, you horse’s ass?  Has this somehow
escaped your attention?  Missed it?  Busy watching the World Cup or
something?  Come on, no way… you know exactly what’s going on between
servicers and homeowners out there, and if you really don’t, well then you most
certainly should.

In the spirit of leaving nothing to chance, allow me to explain how this
whole mess happened.  We, the taxpayers, sat by and watched our
elected representatives bail out Fannie Mae, and every other bankster in
the country, we sucked it up and then watched Goldman et al, pay out
$120 billion in bonuses last December.

Our President said he had a plan, and that banks would modify loans…
there was hope.  But there wasn’t, was there, because the banks and
servicers proceeded to treat homeowners like something stuck to the bottom
of their custom made shoes.  They lied all the time, like constantly.  They bullied
and made people feel badly, and in general they proved beyond any doubt that they
could not be trusted.

No one is walking away from their home because they weren’t willing to
make a good faith effort to find an alternative resolution by working with their
servicer.  Never happens, or happened.  And if it has started to happen, which
I still don’t believe, it’s only in response to the treatment of homeowners by their
servicers. And true to form, the Wall Street Journal writes a story about homeowners
happy about their decision to strategically default, some other news program
interviews someone going to Hawaii as a result of not having to pay a mortgage
payment, and you… you don’t bother to find out what’s really going on… you start
with the threats.

Here’s what you said on Fannie’s Website:

Fannie Mae will also take legal action to recoup the
outstanding mortgage debt from borrowers who strategically default on their
loans in jurisdictions that allow for deficiency judgments. In an announcement
next month, the company will be instructing its servicers to monitor delinquent
loans facing foreclosure and put forth recommendations for cases that warrant
the pursuit of deficiency judgments.

Troubled borrowers who work with their servicers, and provide
information to help the servicer assess their situation, can be considered for
foreclosure alternatives, such as a loan modification, a short sale, or a
deed-in-lieu of foreclosure. A borrower with extenuating circumstances who
works out one of these options with their servicer could be eligible for a new
mortgage loan in three years and in as little as two years depending on the
circumstances.

Oh, so let me get this straight… a Deed in Lieu, a short sale… those are just
fine in your mind, but a strategic default is bad for borrowers and bad for
communities.  Do you hear yourself?  How would a Deed in Lieu be better for
the community, Mr. Edwards?  Never mind… you don’t know.

However, in your top paragraph above, you are saying that you’re going
to go after deficiency judgments in states that allow deficiency judgments?
Well, goodie for you.  But, does that mean that you won’t go after deficiency
judgments in states that allow them if the borrower simply attempts, in good faith,
to work it out with his or her servicer, but fails?  I doubt it, don’t you Terrence?

And you’re going to ask the servicers to “put forth recommendations” as to
who should be pursued for a deficiency judgment?  The servicers?  The group
of companies and individuals that have, perhaps more than any group in history,
proven that they cannot be trusted to follow rules, keep promises, or tell the truth. 
I suppose they will also be the final arbiters of whether the homeowners attempted
to work it out in “good faith,” as well.  Yeah, that’s about right actually.  Par for
the friggin’ course.

Well, I’ll tell you what, Mr. Terrence Edwards.  You think you can threaten
millions of American homeowners?  Why you would presume to have such
authority is beyond me, but I’ll promise you this… you’ve certainly motivated me
in a big way.  How many homeowners do you suppose I can reach through my 300,000
readers if I try really hard?  Because that’s precisely what I now am more committed
than ever to doing.  Just because of you and your threats.

What was the threat anyway?  Oh yeah, those that you or the servicers
deem strategic defaulters won’t be allowed to get a Fannie loan for 7 years,
but the “good faith” people… which I would guess are those who agree to
whatever their servicer demands, might get one in two or three years.

First of all, who cares about getting another loan in 2-3 years?  No one I know.
But even more to the point, what in the world makes you guys at Fannie Mae
think you’ll be around in seven?

Mandelman out.

If you are interested in keeping your home but are underwater,

then consider a principal mortgage reduction.   All you need

is some sort of  “true” hardship.  Call Dave Brigle, Managing Member, at

Foreclosure Prevention Institute at 1.800.826.1929 regarding a trustee

principal balance reduction.   You may also want to visit

http://foreclosurepreventioninstitute.com for more information.

Saving the American Dream 800.826.1929

David Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49013
1.800.826.1929
brigle@appraisaloffice.biz

Subsidized Mortgage Payments for Michigan’s Unemployed

July 13th, 2010

Michigan has received $154.5 million to subsidize mortgage
payments for unemployed persons seeking work. The state
is wanting to assist homeowners who are delinquent on
their mortgages due to temporary financial hardship
Michigan will subsidize mortgage payments for unemployed
persons seeking work. The state will also assist homeowners
who are delinquent on their mortgages due to temporary financial
hardship and assist with principal reductions for those who are
underwater on their mortgages.

Michigan expects to begin distributing funds by July 12;
timetables for four other states are not yet available.
So if a Michigan resident thinks that he/she qualifies it is
imperative that you apply now.

Five states (Michigan, Nevada, California, Arizona and Florida)
were chosen because each has experienced
a decline of 20 percent or more in housing prices since
the beginning of the housing crisis. An additional $600 million
has been designated, but not yet released, for programs being developed
in five other states with high unemployment levels – North Carolina,
Ohio, Oregon, Rhode Island, and South Carolina.

“When homeowners can’t make their mortgage payments it can be
devastating,” said Michigan Gov. Jennifer Granholm, welcoming the
announcement. “These funds will help unemployed Michigan homeowners,
and those who have fallen behind due to unforeseen circumstances such
as a medical emergency, to work out arrangements with their mortgage
lenders so they can remain in their homes.” Overall, this funding will further
those efforts and help stabilize neighborhoods and communities.”

It is important to understand that the people who qualify for these funds must
be only temporarily unemployed. They need to be able to
have income and/or a be rehired or land a job quickly so they can show that
they can support the mortgage. I predict that the funds will amount to about
3 mortgage payments.

Currently, people who have been receiving unemployment checks for the last two
years have been cut-off. So, this is in effect a way for government to show
compassion and attempt to find some money to assist the unemployed. The House
approved the unemployment extension, but the Senate did not have an opportunity
to vote on the extension since they went home for the 4th of July and summer recess.
Both Democrats and Republicans in the Senate would not agree to a compromise on
this issue. The Democrats could have passed an extension since they have control
of the Senate, but are running scared. The primary elections are just around the
corner (August).

Interestingly, though, this subsidy may still be a waste of citizen’s tax dollars, because it
is only a temporary band aid. If people are struggling or upside down in their home,
they need a real loan modification or better yet a principal balance reduction in addition
to providing extra funds to help homeowners become current with their mortgage payments.
Homes in Michigan have declined dramatically in value and so many homeowners owe much
more than their home is worth in terms of market value. Granholm says this will allow the
qualified applicants time to work-out a solution with their lender or servicing company.

However from experience, lenders and servicing companies have not acted in good faith
to really help people who are 20% or more upside down in their homes. Their idea
of helping the homeowner is to provide a forbearance agreement and maybe within
6 months or to a year a rate reduction to modify their loan if they can prove that they
can meet the terms of the forbearance agreement. A decrease in one’s interest
rate does help to some extent especially since many of the unemployed are having
to accept jobs at lower pay. But again, the lender or servicing company does not
guarantee a lower interest rate and the new terms are written to protect the bank
and with lots of wiggle room to break their promise. Sometimes, the lower interest
rate is good for only 3 years and then returns to the original agreement. Fifteen
Texas homeowners are currently suiing Bank of America (BAC) for not acting in
good faith and being abusive in their practices. Last May BAC was offering the
following program for a principal balance reduction:

  • The maximum amount of principal reduction will be 30%
  • Will be available to homeowners nationwide
  • Limited to adjustable rate mortgages
  • Program starts in May
  • Must qualify for Making Homes Affordable Program
  • Missed at least two consecutive payments
  • Can demonstrate that a financial hardship prevents
    them from making payments at the current level

We are told The Michigan Housing Development Authority is behind this attempt. It is
like a pilot program to see if principal balance reductions in FHA loans will really be
successful in helping homeowners stay in their homes and in stablizing the housing
markets. Banks are very fearful of homeowners being so disgusted with the bailed-out
banks and the uncaring lenders and servicing companies by taking matters into their
own hands and strategically just walking away from their homes. Principal balance
reductions were not to be tried until all else failed, and then the banks still don’t
want to lose any money.

In November of 2009, government officials said that they were pressing mortgage
companies hard to improve their performance, but the $50 billion plan’s progress was
disappointing and obtaining a loan modification to this date remains a battle. One
tool to use to force a loan modification and/or principal balance reduction is a
forensic mortgage audit to find errors, mistakes and/or fraud on the most current
closing mortgage papers and appraisal used when originating the loan. If one can
show any type of error or fraud, then one can negotiate directly with the lender’s/
bank’s legal department. They are also more careful and attentive when a homeowner
uses an attorney.

If you, the reader (homeowner), would like more information regarding principal
balance reduction, forensic audits, and/or foreclosure call Dave Brigle, Managing
Member of Foreclosure Prevention Institute, LLC at

1.800.826.1929

.
He will gladly talk to you and provide you with a strategic solution to your
housing situation.

Saving the American Dream 800.826.1929

Trustee Principal Reduction Mortgage
FHA Principal Balance Reduction Mortgage

Dave Brigle, Managing Member
271 Viking Dr
Battle Creek, MI 49017
1.800.826.1929
brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

Foreclosure Will Stop With A Principal Balance Reduction Program

July 14th, 2010

     Are you facing foreclosure?  Then stop foreclosure by applying for

Michigan’s new Subsidized Program to help the hardest hit homeowners

or consider a Principal Balance Mortgage Reduction Program. 

     If you are a Michigan Resident who is/was temporarily unemployed or have

experienced a true hardship such as a medical problem, you may qualify

for a principal balance mortgage reduction program or some financial

assistant while you work-out a solution with your lender so that you

can keep your home.   You are asked to call your lender, mortgage company,

or service provider and ask for an application so you might be accepted for

Michigan’s recent subsidized mortgage program.  Michigan recently received

$154.5 million to subsidize mortgage payments for unemployed persons

seeking work.   You can also contact the Michigan State Housing Development

Authority’s website  at http://www.michigan.gov/mshda or call 866 946-7432

for more information.  However, you will be told to contact your lender or

mortgage company to obtain an application.

      If you want more information regarding a trustee Principal Balance

Mortgage Reduction Program call Dave Brigle at Foreclosure Prevention

Institute, LLC at 1.800.826.1929 (hotline).

     Stop Foreclosure Today!!!!

Dave Brigle, Managing Member
Foreclosure Prevention Institute, LLC
271 Viking Dr
Battle Creek, MI 49017
brigle@appraisaloffice.biz

http://ForeclosurePreventionInstitute.com

Free Consultation to determine best home solution

Save America by Stopping Foreclosure

F-4 Phantom, F/A-22 Raptor & Huey Flying Over Michigan

July 15th, 2010

All service men and women - thank you for your service.

Considering the following video, we need to stay strong
and continue high tech defense.   Here is the Huey.  I
flew on this while serving in Viet Nam.

Photos taken at the Battle Creek Airport:  The Raptor and
the Phantom

  The Raptor is our newest fighter/bomber.

The following has been known for a long time, but what is being done?

Are you prepared?   This is a real reality!

Good Article On Why MERS Can’t Foreclose

July 30th, 2010

http://ForeclosurePreventionInstitute.com

Save America!

If your home or client’s home is being foreclosed by MERS you

may have won the lottery.  The article below explains why

MERS can’t foreclose and why Lenders can’t collect.   Basically,

MERS does not hold the note.  In Michigan, to foreclose one needs

to have the underlying mortgage note to assign and/or to foreclose.   If taken

to court MERS says they have the note, but it is all a bluff and a charade.

MERS is basically a computer.  Read on:

Friday 16th July

“California Court Rules: MERS Can’t Foreclose, Citibank Can’t Collect

“Any attempt to transfer the beneficial interest of a trust deed without ownership of the underlying note is VOID under California Law.”

If you read that sentence and thought… “MERS,” then you’re already in the club.  If you’ve never heard of MERS, and have no idea what is meant by being “in the club,” don’t worry, this is a club that just about every homeowner is invited to join.  In fact, you may already be a member and not even know it.

http://ForeclosurePreventionInstitute.com

Call Dave Brigle if you have questions about this topic “MERS”

Foreclosure Prevention Institute, LLC

1.800.826.1929

271 Viking Dr

Battle Creek, MI  49017

brigle@appraisaloffice.biz

30 plus years in the real estate and foreclosure arena

Rated with BBB

MERS is the acronym used to describe Mortgage Electronic Registration Systems, Inc.  Best I can tell, our friends in the mortgage banking industry created MERS to make it easier for banks and servicers to sell and transfer our mortgages at the speed of light during the real estate bubble. According to the company’s Website:

MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper. Our mission is to register every mortgage loan in the United States on the MERS® System.

MERS acts as nominee in the county land records for the lender and servicer.  Any loan registered on the MERS® System is inoculated against future assignments because MERS remains the nominal mortgagee no matter how many times servicing is traded.

I have to tell you… I hate these guys already.  Their attitude alone bothers me.  I looked at pictures of their three top executives on their Website and thought to myself… “No way I’d be friends with these guys.”  Probably not very fair of me, but as far as I’m concerned, when it comes to anything that talks like that and was created by the mortgage banking industry… “fair,” is where you go on Sunday to have popcorn and cotton candy.  Just so we’re clear.

MERS, which is a company that I hear doesn’t even have employees, has been about as controversial as you get ever since houses started dropping like flies into foreclosure back in 2007-08.  God forbid you find yourself losing your home to foreclosure, you’ll very likely find a representative from MERS looking smug and acting like the owner of your mortgage.  But, MERS is not the owner of your mortgage, of course, and now a bankruptcy court judge in the Eastern District of California has officially said that he agrees.

MERS is a relatively new development in the mortgage world, and as the foreclosure crisis began the courts pretty much let them do whatever they wanted to do, as the party in interest in a foreclosure action.

But, that was before the foreclosures became a full fledged tsunami, and homeowners watched the bankers first get bailed out, and then pay out billions in bonuses before treating every single American homeowner/taxpayer who applied for a loan modification like insignificant garbage.

In response, homeowners, having been trained for over 200 years in the fine art of pushing back when shoved, went to their lawyers, and those lawyers started asking questions, as they are prone to do.  Many started with questions like: “Who the heck is this MERS guy and why does he think he has any right to be foreclosing on my client’s home?”

For almost two full years, it seemed to me that judges, who frankly weren’t used to foreclosures being challenged, basically yawned and gave the house back to the bank.  Then, starting about a year ago, give or take, things started to change.  Judges started to listen to the points being raised as related to MERS showing up as the party in interest ready to foreclose, and the more the judges learned, the more they saw problems with what MERS was doing.  As time went on the tide seemed to shift a bit and several decisions weren’t falling as MERS would have liked for one reason or another.

According to the company’s Website, MERS “is a proper party that can lawfully foreclose as the mortgagee and note-holder of a mortgage loan.”  Here’s what it says on the MERS Website:

FORECLOSURES

(“MERS”) is In mortgage foreclosure cases, the plaintiff has standing as the holder of the note and the mortgage. When MERS forecloses, MERS is the mortgagee and it is the holder of the note because a MERS officer will be in possession of the original note endorsed in blank, which makes MERS a holder of the bearer paper.

But, in this latest decision, the bankruptcy judge in California didn’t agree, writing in his opinion:

“Since no evidence of MERS’ ownership of the underlying note has been offered, and other courts have concluded that MERS does not own the underlying notes, this court is convinced that MERS had no interest it could transfer to Citibank. Since MERS did not own the underlying note, it could not transfer the beneficial interest of the Deed of Trust to another. Any attempt to transfer the beneficial interest of a trust deed without ownership of the underlying note is void under California law.”

Did you get that?  Since MERS didn’t own the underlying note, it couldn’t transfer the beneficial interest of the Deed of Trust to Citibank.

According to several attorneys, this opinion should serve as legal basis to challenge a foreclosure in California that has been based on a MERS assignment.  It could also be used when seeking to void any MERS assignment of the Deed of Trust, or the note, to a third party for purposes of foreclosure; and should be sufficient for a borrower to obtain a TRO against a Trustee’s Sale, and a Preliminary Injunction preventing any sale, pending litigation filed by the borrower that challenges a foreclosure based on a MERS assignment.

In this decision the court found that MERS was acting “only as a nominee,” under the Deed of Trust, and that there was no evidence of the note being transferred. The judge’s opinion in this case also said that “several courts have acknowledged that MERS is not the owner of the underlying note and therefore could not transfer the note, the beneficial interest in the deed of trust, or foreclose on the property secured by the deed”, citing cases of: In Re Vargas, California Bankruptcy Court; Landmark v. Kesler, Kansas decision as to lack of authority of MERS; LaSalle Bank v. Lamy, a New York case; and In Re Foreclosure Cases, the “Boyko” decision from Ohio Federal Court.

And the court concluded by stating:

“Since the claimant, Citibank, has not established that it is the owner of the promissory note secured by the trust deed, Citibank is unable to assert a claim for payment in this case.”

Oh my… well, that really is something.  MERS can’t foreclose and Citibank can’t collect?  I believe you would have to say that MERS and Citibank were already in a hard place when the judge inserted a rock.  MERS can’t foreclose and Citi can’t collect… I am absolutely loving this, I have to say, but I suppose giddy would be an inappropriate response, so I’ll just say, “how interesting”.

This decision means that if a foreclosing party in California, that is not the original lender, claims that payment is due under the note, and that they have the right to foreclose on the basis of a MERS assignment, they’re wrong… based on this opinion.  The bottom line is that MERS has no authority to transfer the note because it never owned it, and that’s a view that even seems to be supported by MERS’ own contract, which says that “MERS agrees not to assert any rights to mortgage loans or properties mortgaged thereby”.

What this may mean to California’s homeowners in bankruptcy court…

  • It should serve as a legal basis to challenge any foreclosure in California based on a MERS     assignment.
  • It should serve as the legal basis for voiding a MERS assignment of the Deed of Trust, or the     note, to a third party for purposes of foreclosure.
  • It should be an adequate basis for obtaining a TRO against a Trustee’s Sale
  • It should be the basis for a Preliminary Injunction barring any sale pending litigation filed by the borrower that challenges a foreclosure based on a MERS assignment.

In addition, some lawyers believe that this ruling is relevant to borrowers across the country as well, because the court cited non-bankruptcy cases related to the lack of authority of MERS, and because this opinion is consistent with prior rulings in Idaho and Nevada Bankruptcy courts on the same issue.

I don’t know about you, but I feel like watching a marching band.  76 trombones, baby, 76 trombones.

 Mandelman Matters:  “When the going gets weird, the weird turns pro.”"  Hunter S Thompson

http://ForeclosurePreventionInstitute.com

1.800.826.1929  Stop Foreclosure Today!!!

Call Dave Brigle, Managing Member of Foreclosure Prevention Instiute, LLC

regarding questions on this topic “MERS.”  30 plus years in the real estate

and foreclosure market.  Rated with the BBB.

Foreclosure Prevention Institute, LLC

271 Viking Dr

Battle Creek, MI  49017

brigle@appraisaloffice.biz

1.800.826.1929

Find Your State And Vote These Progressive Out

July 23rd, 2010

Vote these liberals out come November or whenever their term is up.

Find your state.

Progressive Caucus Member List
Wednesday June 02, 2010

Co-Chairs
Hon. Raúl M. Grijalva (AZ-07)
Hon. Lynn Woolsey (CA-06)

Vice Chairs
Hon. Diane Watson (CA-33)
Hon. Keith Ellison (MN-05)
Hon. Sheila Jackson-Lee (TX-18)
Hon. Mazie Hirono (HI-02)
Hon. Dennis Kucinich (OH-10)
Hon. Donna F. Edwards (MD-04)
Hon. Alan Grayson (FL-08)

Senate Members
Hon. Roland Burris (IL)
Hon. Bernie Sanders (VT)
Hon. Tom Udall (NM)

House Members
Hon. Tammy Baldwin (WI-02)
Hon. Xavier Becerra (CA-31)
Hon. Earl Blumenauer (OR-03)
Hon. Robert Brady (PA-01)
Hon. Corrine Brown (FL-03)
Hon. Michael Capuano (MA-08)
Hon. André Carson (IN-07)
Hon. Donna Christensen (VI-AL)
Hon. Judy Chu (CA-32)
Hon. Yvette Clarke (NY-11)
Hon. William “Lacy” Clay (MO-01)
Hon. Emanuel Cleaver (MO-05)
Hon. Steve Cohen (TN-09)
Hon. John Conyers (MI-14)
Hon. Elijah Cummings (MD-07)
Hon. Danny Davis (IL-07)
Hon. Peter DeFazio (OR-04)
Hon. Rosa DeLauro (CT-03)
Hon. Sam Farr (CA-17)
Hon. Chaka Fattah (PA-02)
Hon. Bob Filner (CA-51)
Hon. Barney Frank (MA-04)
Hon. Marcia L. Fudge (OH-11)
Hon. Luis Gutierrez (IL-04)
Hon. John Hall (NY-19)
Hon. Phil Hare (IL-17)
Hon. Alcee Hastings (FL-23)
Hon. Maurice Hinchey (NY-22)
Hon. Michael Honda (CA-15)
Hon. Jesse Jackson, Jr. (IL-02)
Hon. Eddie Bernice Johnson (TX-30)
Hon. Hank Johnson (GA-04)
Hon. Marcy Kaptur (OH-09)
Hon. Carolyn Kilpatrick (MI-13)
Hon. Barbara Lee (CA-09)
Hon. John Lewis (GA-05)
Hon. David Loebsack (IA-02)
Hon. Ben R. Lujan (NM-3)
Hon. Carolyn Maloney (NY-14)
Hon. Ed Markey (MA-07)
Hon. Jim McDermott (WA-07)
Hon. James McGovern (MA-03)
Hon. George Miller (CA-07)
Hon. Gwen Moore (WI-04)
Hon. Jim Moran (VA-08)
Hon. Jerrold Nadler (NY-08)
Hon. Eleanor Holmes-Norton (DC-AL)
Hon. John Olver (MA-01)
Hon. Frank Pallone (NJ-06)
Hon. Ed Pastor (AZ-04)
Hon. Donald Payne (NJ-10)
Hon. Chellie Pingree (ME-01)
Hon. Jared Polis (CO-02)
Hon. Charles Rangel (NY-15)
Hon. Laura Richardson (CA-37)
Hon. Lucille Roybal-Allard (CA-34)
Hon. Bobby Rush (IL-01)
Hon. Linda Sánchez (CA-39)
Hon. Jan Schakowsky (IL-09)
Hon. José Serrano (NY-16)
Hon. Louise Slaughter (NY-28)
Hon. Pete Stark (CA-13)
Hon. Bennie Thompson (MS-02)
Hon. John Tierney (MA-06)
Hon. Nydia Velazquez (NY-12)
Hon. Maxine Waters (CA-35)
Hon. Mel Watt (NC-12)
Hon. Henry Waxman (CA-30)
Hon. Peter Welch (VT-AL)

SOURCE:

http://cpc.grijalva.house.gov/

index.cfm?ContentID=166&ParentID=0&SectionID=4&
SectionTree=4&lnk=b&ItemID=164

Donate to Pete Hoekstra’s Governor Campaign

July 22nd, 2010
Vision to America Header
Congressman Pete Hoekstra
 
“Pete and I have a long history together of fighting to uphold conservative values and reduce government spending.”

Dear Fellow Conservative,

I do not support the policies of President Barack Obama but just like every patriot, I respect the office of America’s president. Out of that respect, I attended a speech by President Obama in my home district only to be attacked during his speech.

As a constitutional conservative, I have fought against wasteful federal spending and against the idea of the government picking winners and losers. I voted against the Democrats’ $862 billion stimulus bill because I knew it was not the right solution to put our economy back on track.

When President Obama came to my home district to take credit for spending our tax dollars, I attended his ceremony out of respect for the presidency and at the request of a local employer. In response to my principled vote in opposition to his massive expansion of government, President Obama lashed out saying, “Some made the political calculation that it’s better to obstruct than to lend a hand. Now that doesn’t stop them from being at ribbon cuttings, but that’s OK.”

Mr. President, fighting against recklessly sending our nation deeper into debt is not “political calculation” it’s about right and wrong. And it is simply wrong for the government to spend money we don’t have. And it is simply wrong to claim your bloated government spending is working when it’s not.

Obama and his radical, left-wing allies have stepped up their attacks and I urgently need your support. Will you stand against Obama and his allies with your contribution of $50, $100, $250 or more to my conservative campaign?

Based on news reports, its possible Obama’s attack was actually a “political calculation.” The Washington Post reports that at the “same moment” Obama was making his unpresidential comment, his press secretary was pointing me out to reporters as a “quote opportunity.” (The same press secretary that admitted the Democrats could lose control of the House of Representatives, by the way.)

Clearly the president is more interested in playing political games than admit that his massive government spending is not working.

Since Obama signed this massive government spending law the unemployment rate in my home state has increased from 12 percent to 13.2 percent – the second worst in the nation. If that is Obama’s idea of a success, I’d hate to see what he considers a failure!

Conservatives know that I can be counted on to stand for our constitutional conservative principles and get the job done.

Newt Gingrich has endorsed my candidacy saying, “Pete and I have a long history together of fighting to uphold conservative values and reduce government spending.”

Dr. James Dobson said this of my record: “[Pete Hoekstra] has an unblemished record as a conservative member of Congress. He is a passionate advocate for human life. He supports traditional marriage. He is a proponent of educational choice and homeschooling. He voted against the recent health care legislation. In short, Congressman Hoekstra is a common sense, no nonsense conservative who consistently does the right thing.”

Will you please join these and other conservative leaders in support of my campaign with your contribution of $50, $100, $250 or more?

As President Obama travels the nation, it is the people he speaks to who are actually paying the tax dollars that he gladly hands out to others and celebrates with an expensive photo-op. More spending and more self-serving photo-ops will not solve our economic problems. We need to cut red tape and bureaucracy and focus on creating an environment that will put America back to work.

Thank you for all you do in support of the conservative cause and thank you in advance for your support of my conservative campaign.

Sincerely,

Pete Hoekstra
U.S. Representative, Michigan’s 2nd Congressional District

P.S. – President Obama’s cheap political shots and his radical, left-wing allies won’t stop me from standing on principle for smaller government and less government spending. It is simply wrong for the government to spend money we don’t have. And it is simply wrong to claim that bloated government spending is working when it is not. Please help me stand against this left-wing onslaught by making your contribution today! – Pete

 

 
Paid for Pete Hoekstra for Governor

Pete Hoekstra for Governor
P.O. Box 1287
Holland, MI 49422

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