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Keys To Liberty

What Is Next on the anti-firearm agenda?

I’m sure the television news told you all about the U.N. Small Arms Treaty being passed. (See Last Post) No??? The Rothschild Zionist network at ABC, NBC, CBS, CNN, FOX and MSNBC were busy following the Protocol 12; Control the Press to the point that even newspapers didn’t report the event on the last page. The reason television news and newspapers are not informing the American citizens is to prevent the militias of the several states from forming and beginning to train. A very cleaver idea; don’t you think? They want to keep you in the dark until it is too late.

The old argument that the Senate will not ratify this treaty, can easily be debunked, when you remember that the Senate did not pass the U.N. Agenda 21. In fact they refused to pass it, but it got passed by…

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2/12/2012 — Weather monitoring links — Satellite and RADAR for USA and world

2/12/2012 — Weather monitoring links — Satellite and RADAR for USA and world.

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It’s Your Turn To Rob The Bank!

Revenge is sweet when you can steal a beautiful home for only $110,000.00!


2825 Barrel Cactus Dr. Green Valley 89074

Directions:

Heading South from Las Vegas Blvd. Turn LEFT onto E PEBBLE RD.

Turn LEFT onto SAMSON PL

Turn LEFT onto CAMELBACK LN.

Take the 1st RIGHT onto PRAIRIE DOG DR.

Take the 1st RIGHT onto BARREL CACTUS DR. (If you reach SECRET CANYON RD you’ve gone a little too far)

2825 BARREL CACTUS DR is on the RIGHT.

 

 


Lynn C. Burke

Direct: 702-596-7061

http://www.LynnCB.com

follow me on http://www.twitter.com/TheeLynnChase

OPEN HOUSE MAY 30th from 11:00AM to 2:00PM

Refreshments will be served!

 

GREAT HOME IN GREAT GREEN VALLEY LOCATION!!  NICE ONE STORY OPEN FLOOR PLAN WITH 3 LARGE BEDROOMS AND 2 FULL BATHS.  LARGE LIVING ROOM.  NICE BACKYARD, AND IS LOCATED RIGHT NEXT TO THE COMMUNITY POOL. 

THIS WILL NOT LAST LONG AT THIS GREAT PRICE!!

 

 


 

 

 

 


 

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Economic Survival Guide 2011

 


 

Welcome to the ‘Official US Economic Crisis’ Survival Guide.

Introduction

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

-Lynn Chase

Founder of the Economic Survival Guide Center

Please help support our research and website by donating Yes I want to Donate!

 

 

 

 

 

 

 

Table of Contents (click on the link for section you wish to view it will jump to that section)

 

  1. What’s New? Latest News affecting our economy
    *January 2011 Update

  2. Government Sponsored Programs to supposedly “Save Your Home From Foreclosure”.

  3. Past the “BS” – What is MERS?

  4. Calculators

  5. economics

  6. Foreclosure Defense

  7. Glossaries

  8. Blogs and Blurbs

    *January 2011 Update on latest housing scam info
  9. Waking up to discover mortgage business was one giant criminal enterprise
  10. Foreclosuregate

  11. Foreclosure Fraud Propped up MBS
  12. Credit Default Swaps 101
  13. File a Complaint with the FBI

  14. Guide to Looking up public records

  15. Indy Mac Notice of Sale Problem

  16. Video Section- Why and How did this happen?
  17. Money As Debt
  18. Debunking the Dollar

  19. Who Killed Glass-Steagall?

  20. Bankruptcy Reform and Consumer Protection Act of 2005

  21. I Am An Attorney So I Sued My Lender

  22. More About MERS

  23. Bogus Assignments

  24. Florida’s proposed “fake” Consumer Protection Act

  25. Foreclosure Fraud Links

  26. Foreclosure Fraud Resources

  27. Foreclosure Fraud on Twitter

  28. Letter from Congress to Fannie Mae
  29. Letter to the Nevada Attorney General Catherine Masto, Esq.

  30. Letter to The State Dept. of Business and Industry


  31. Foreclosure horror stories slide show

  32. The Foreclosure Fiasco and Wall Streets Shrug

  33. The Foreclosure Fiasco Leads to Washington

  34. Countrywide Documents May Spell Doom for Bank of America

  35. Are You Mad Yet?
  36. You are Owned By The House of Rothschild

  37. How Much Are You Worth?
  38. Supreme Court Cases argued and decided Book 20

  39. The History of Money
  40. US Financial Information and SO MUCH MORE MUST SEE LINK
  41. Welcome to The United States of Austerity

  42. Trailer to new film ‘Inside Job’ coming soon
  43. Who Owns The Media?

  44. Survival for the Unemployed
  45. Tips to lower your spend & increase cash flow

  46. 10 ways to survive without a bailout!

  47. Coupons Are Like Cash

  48. Free Stuff
  49.  

     

     

     

     

     

    The Latest News affecting the Economy

     

    Jan 7, 2011 They Dare Not Speak It’s Name Rothschild (who caused the Global Economic Collapse)

     

    Jan 6, 2011 Is Speculation in Food going to be the new bubble/crash?

    Jan 6, 2011 Economic Collapse Eminent?

     


(Economic Survival Guide Center is not responsible for submitted content and does not provide legal advice. Please consult with a licensed attorney well-educated in the area of Mortgage Servicing Fraud.)

We have gathered websites and contacts in one place to assist you if you are one of the many unfortunate homeowners facing foreclosure or are upside down in your mortgages. Learn the truth about the banking industry and lending practices and what you can do to legally protect your home. This is not to take the place of consulting with an attorney which we recommend. However hiring an attorney is no excuse not to learn about the mortgage products and to educate yourself enough to know what questions to ask once you decide to take matters into your own hands and “mind you own business”. No one cares about your situation more than you do. Don’t simply rely on others to do the work for you. You need to be educated in order to determine if you are getting a fair shake or being ripped off blind. If you take nothing else from this guide, take that one piece of advice and apply it to everything! Your healthcare, your finances, your taxes, your relationships, your happiness, your life!

We will begin with Traditional & Gov. sponsored Save Your Home Resources: (Editorial Note: I had zero success with any of these and I tried them all. So if you don’t want to bother simply skip past these to where the juicy information is)

Here is the usual help offered to consumers. Might be worth a try but it reads as if the banks are actually trying to work with the homeowners to modify the loans which they do not appear to be doing. Some of the suggestions below include: Be prepared to change your spending habits. So you should suffer and do without basic necessities so that you can make a mortgage payment on a house that is so upside down it will take 10 years to get back to 0% equity and by the time (if ever) it gets to where you have some equity the dollar will have lost so much value it won’t be worth the paper it is printed on! We include this only as a way to educate you on the “help” (fake help) that the government has set up.

The Federal Housing Administration, part of the U.S. Department of Housing and Urban Development, offers educational resources for borrowers about how to avoid foreclosure. http://portal.hud.gov/portal/page?_pageid=73,1&_dad=portal&_schema=PORTAL

Online Foreclosure Prevention Resource Center

12 Things You Should Know When You Call Your Lender

  1. Contact your servicer immediately if you are unable to make your mortgage payments. (Your servicer is the company that sends you statements and the people you make your payments to.) Even if you are already delinquent or in foreclosure, your servicer may be able to help you with a solution. Don’t delay.

    2. Ask your servicer about alternatives to foreclosure, including repayment plans, postponements of regular payments (called a forbearance), and other “work-out” options. Visit our Glossary of Foreclosure Terms for more information on these terms.
    Remember: Work-out options are tailored to fit your individual situation, but you must qualify for

  2. the plan being considered.

    3. Provide any information requested by your servicer quickly to avoid further foreclosure action – don’t wait until the last minute. Servicers must evaluate each borrower’s circumstances on a case-by-case basis and go through an approval process to arrange work-out plans. This can take time, so it’s important you act immediately to be in touch and promptly provide any information the servicer requests.

    4. Be prepared to provide detailed financial information to assist your servicer in qualifying you for a potential work-out option. Be honest about your circumstances and personal finances – it will help lead to the work-out option that best fits your situation.

    5. Be ready to change your spending habits. By creating a workable budget and understanding where your money is going, you are more likely to be successful in a work-out plan.

    6. If you need additional assistance or are uncomfortable calling your servicer, request financial counseling from a reputable third party first. For the U.S. Department of Housing and Urban Development’s (HUD) list of approved counselors call (800) 569-4287. For free counseling from NeighborWorks America and the Homeownership Preservation Foundation, call (888) 995-HOPE or visit http://995hope.org/.

    7. Be sure you open all mail from your servicer or your servicer’s law firm and return calls promptly. Failure to respond quickly may result in further foreclosure actions and additional costs.

    8. Ask the critical questions: (Editorial Note: You can ask, but remember if the banks lips are moving chances are they are LYING.)

  3. What is the anticipated timeline to complete a work-out?
  4. Will the foreclosure sale be postponed while your servicer reviews the work-out option?
  5. What are your obligations under the work-out arrangement: due dates, amounts due, how long your servicer will postpone collection of payments, if applicable, and when such deferred payments must be paid back?

9. If you are not making payments into an escrow account for real estate taxes and insurance, your servicer will likely require that you begin doing that and will work with you to recover any payments already made on your behalf. You can usually save money and get better coverage if you obtain your own homeowner’s hazard insurance policy instead of having your servicer arrange coverage for you.

10. Stay in contact with your servicer and/or counselor at all times. Notify your servicer and counselor of any change in your circumstances, including new employment or problems with making payments under a work-out plan.

11. Be realistic about your own financial condition. If you cannot afford to keep your property, consider selling it to get your equity out, or talk to your servicer about other options to give up your property.

12. Understand that the servicer is trying to ensure a positive result for you. Be cooperative, honest and keep your promises on any work-out arrangement.

Credit Counseling


If you think you need counseling to improve your financial management skills and your credit, you may want to consult the National Foundation for Credit Counseling (NFCC). This organization offers an online service called
Debt Advice that provides basic information to help consumers understand how to use credit wisely and how to find a certified counselor if needed.

Housing counseling agencies also are funded by the U.S. Department of Housing and Urban Development (HUD) and are located nationwide. These organizations can provide advice on renting or purchasing a home, credit issues, reverse mortgages, defaults and foreclosures. For assistance, you can contact the nearest agency by calling 1-800-569-4287 or visiting the HUD Web site.

The NFCC is an organization of credit counseling agencies that promotes quality credit counseling, debt reduction services and education in managing personal finances. It sets standards for agency accreditation, counselor certification and policies that ensure free or low-cost confidential services. NFCC member offices can be reached toll-free at 1-800-388-2227.

If you seek help from a consumer credit counseling agency that is not recommended by HUD or NFCC, beware. Some agencies say they are non-profit but charge high fees and make promises they cannot keep. Any company that makes these or similar statements is unreliable:

  • We can remove your debt
  • Pay us and we’ll pay your bills
  • Pay us a percentage of the bills we get rid of
  • No company sues over unpaid bills
  • We can get bad credit taken off your credit history
  • Use our system and you’ll avoid bankruptcy
  • Don’t talk to your creditors any more

If you hear any of those statements, steer clear of the company. You can check out a consumer counselor by contacting your state attorney general. The Federal Trade Commission (FTC) also has information on credit counseling agencies. Another helpful site is sponsored by the National Consumers League .

CNN Money offers an online budget calculator that enables you to compare your spending to others with similar characteristics. The Myvesta Foundation also provides useful information. Another interesting resource is this article in MSN Money. Meanwhile try to

  • Make sure all your payments are made on time
  • If possible, pay more than the minimum due to reduce your balances faster
  • Try not to charge more on your credit cards unless you have an emergency situation
  • Open a savings account and make a habit of depositing something each month — any amount would be beneficial and will add up faster than you think!

Remember, you can get all three of your credit reports from all three national reporting agencies FOR FREE once a year at http://www.annualcreditreport.com. However they do charge if you want to know your FICO score.

Financial Resources Click here for Government Aid

Tips to Improving Your Credit Rating

While we think having credit can only lead to debt and slavery we do acknowledge it is useful at times. So, here are some things you can do to improve a low credit rating:

Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score. Be aware that paying off a collection account will not remove it from your credit report. It will stay on your report for seven years.

Keep balances low on credit cards and other “revolving credit”; high outstanding debt can affect a score. The most effective way to improve your score in this area is by paying down your revolving credit, not closing accounts and spreading debt among fewer accounts. Owing the same amount but having fewer open accounts may lower your score; however splitting moderate debt between two cards instead of piling it on one card can sometimes be a good strategy.

Don’t close unused credit cards as a short-term strategy to raise your score, and don’t open a number of new credit cards that you don’t need, just to try to increase your available credit. This approach could backfire and lower your score.

A limited credit history can have a negative effect. Someone with no credit cards tends to appear as a higher risk than someone who has managed credit cards responsibly. If you don’t have a credit history, consider opening an account at a bank and using it responsibly, making the monthly payments as required, but don’t open a lot of new accounts too quickly. New accounts will lower your average account age, which will have a larger effect on your score if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

Apply for and open new credit accounts only as needed. Don’t open accounts just to have a better credit mix – it won’t raise your score. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Note that closing an account doesn’t make it go away. A closed account will still show up on your credit report and may show the payment history, although it will be noted as closed and paid.

Do your rate shopping for a single loan within a focused period of time. FICO scores distinguish between a search for a single loan and a search for many new credit lines in part by the length of time over which inquiries occur. Note that it’s OK to request and check your own credit report. This won’t affect your score as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor. This won’t improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time. Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them off on time will raise your score in the long term.

On average, lenders like to see three to four open accounts — a combination of charge cards, auto loans, etc. Limit department store cards and other store cards and finance company loans as those may lower your rating.


Let’s dig into some real help and real information and learn how we got here and more importantly what we can do to make the most out of our predicament we find ourselves in. Our equity is wiped out on our homes, many flat or deep under water. Retirement savings wiped out, unemployed, businesses going under, etc. etc. Finally a glimmer of hope! Some people have been successful in winning their homes “Free and Clear” with this information. However, depending on your individual circumstance your results will vary. I personally know several people that have been able to avoid foreclosure using the legal system for over a year without make payments and might I add, are still doing so. So, you may end up having to turn your house over but at the very least perhaps you can live rent free and save up and recoup a tiny portion of what you lost with your “investment” into a Wallstreet ponzi scheme that you never knew you were a major party to! Or that your “biggest investment an American can make in their lifetime” was no longer the safe, long term conservative investment it was sold as. Okay I do tend to go on and on when it comes to how the banks have taken over our country and did this to us intentionally and on purpose! You will see for yourselves. Click on!


MERS stands for Mortgage Electronic Registration System and it was founded by Wells Fargo Corp. It is a bank owned business. They created a subsidiary corporations of MERS Corp called MERS. It is a small company with approximately 30 employees in Delaware. MERS is vehicle by which the banks i.e. commercial banks, holding banks, insurers, and underwriters, could securitize the loan, hide the sale of the note behind MERS and use MERS as a “straw man” to stand in for the true owner of the rights on the Note. Here is the MERS website. Here you can look up your loan and see who is the servicer of your loan. You will want to come back to this link after you learn more about the process and how it destroyed the housing market purposefully and intentionally so that the wealth would be transferred from the middle class to the wealthy.

http://www.mersinc.org

A Survey of Cases Discussing MERS’ Authority to Act.  (Hon. William L. Norton, Jr., U. S. BK Judge – 8/2010)  http://www.msfraud.org/LAW/lawarticles/lawarticles.html

This actual court record from Nevada in the link below explains the fraud quite clearly.

http://www.scribd.com/doc/28186623/MERS-Litigation-Example-01

These are great Information resources for the latest developments on the fight against the banks rights to foreclose and how to defend your homes against the banks and why you are right to do so.

http://www.msfraud.org

http://livinglies.wordpress.com/

http://insidedateline.msnbc.msn.com/archive/2008/12/18/1720808.aspx

 

 

MORE RESOURCES BLOGS

 


This is the most recent news regarding the fraud in the housing market and what is means to anyone that purchased a home in the last 10 years. Especially if you are currently facing foreclosure or have lost your home in foreclosure you must read the article below.

Saturday, January 1, 2011

January 1 2011: US Housing: The Story of 2011


 

 

 

  • Great Blog describing what is happening with the housing bubble and why, tons of great articles! I love this blog. I have learned so much from it. This centers around the real estate bubble in California but the techniques being used by the banks with respect to the properties in not unique to California. I know you will love this blog.

  • http://www.doctorhousingbubble.com

 

Some of the methods for staying in your home as long as possible without a payment or even possibly winning your home free and clear, involve filing Bankruptcy. Until criminal charges are brought against the Banksters for the fraud they committed on investors and borrowers, and it is proven that these servicers that are foreclosing in the majority of cases do not have any right to do so, this seems to be the only option to fight for your home in non judicial states like the one I live in. If you live in a judicial state, the banks have to file a suit to have the court grant them the right to foreclose, so a borrower can then file a Motion for the Plaintiff to offer proof that they have the right to do so and the real party of interest and/or that they were assigned that right by a real party of interest. Also, that the assignments are fully executed with correct dates and Notarized and filed correctly. However in a non judicial state, the homeowner does not have that opportunity. The banks file their phone assignments with the county recorder and proceed to steal your house. If the homeowner brings suit against the banks then the burden of proof is on the homeowner as Plaintiff to provide proof that the bank does not have interest in your home or that they have already been paid and have no interest anymore, or to whom they sold the Note to, or any way of proving what is hidden behind the bank owned MERS. Hence when it has been tried, the homeowner loses. In Bankruptcy courts homeowners are having some success in non judicial states because when they file bankruptcy it puts an automatic “Stay” from foreclosure. The banks then typically will file a “life-stay” Motion. It is at this time that the homeowners has an opportunity to Oppose the Motion and request they prove up their right as a real party of interest. This si not the same as “Produce the Note” you may have already heard about. Although I would certainly include it in my Motion. An original Note will have endorsements on it. A phony copy will not. This is because in the securitization process the Note is sold, several times, in the true sense of the word and just like endorsing a check over to someone, that is what happened when the Note was sold. So how can you still owe the original lender if they sold it? Ah Ha! Now you’re thinking…… read on , this is just the tip of the iceberg. We kept peeling back this onion till we realized we had been living in The Matrix. Like George Carlin said ” It’s all bullshit & it’s all bad for ya”

http://www.bankruptcylawnetwork.com

http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/

http://www.bankruptcylawnetwork.com/2009/10/16/modifying-co-signed-secured-debt-in-chapter-13-be-careful /

Matt Taibbi

 

Sep. 22 2009 –

Waking up to discover the mortgage market was a giant criminal enterprise

A landmark ruling in a recent Kansas Supreme Court case may have given millions of distressed homeowners the legal wedge they need to avoid foreclosure. In Landmark National Bank v. Kesler, 2009 Kan. LEXIS 834, the Kansas Supreme Court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. MERS is an acronym for Mortgage Electronic Registration Systems, a private company that registers mortgages electronically and tracks changes in ownership. The significance of the holding is that if MERS has no standing to foreclose, then nobody has standing to foreclose – on 60 million mortgages. That is the number of American mortgages currently reported to be held by MERS. Over half of all new U.S. residential mortgage loans are registered with MERS and recorded in its name. Holdings of the Kansas Supreme Court are not binding on the rest of the country, but they are dicta of which other courts take note; and the reasoning behind the decision is sound.

via Landmark Decision: Massive Relief for Homeowners and Trouble for the Banks.

This is a potentially gigantic story. It seems that a court has ruled that about half of the mortgage market has been run as a criminal enterprise for years, which would invalidate any potential foreclosure proceedings for about, oh, 62 million mortgages. The court ruled that the electronic transfer system used by the private company MERS — a clearing system for mortgages, similar to a depository, that is used for about half the mortgage market — is fundamentally unreliable, and any mortgage sold and/or transferred through MERS can’t be foreclosed upon, at least not in Kansas.

Coincidentally I’d been working on something related to this all day yesterday. All over the country, lawyers are contesting foreclosures because of similar chain-of-custody issues. I have some material about this coming out in my next Rolling Stone story, so I can’t get into this too much, but suffice to say the lenders and the banks were extremely sloppy about their paperwork (at best — there is a fraud angle as well) and jammed up the system with missing and/or mismarked mortgage notes. Since a sale isn’t legal unless there’s full transfer of the physical note, a lot of the sales of mortgage-backed securities were not entirely legal, since the actual notes were often not transferred.

Nothing like waking up in the morning and finding out a whole sector of the economy is completely screwed. Are these good times or what?

Although this particular case pertains to MERS, non-MERS mortgages were often even worse.

Below is a flow chart of the securitization process using MERS. It is clear that the original pretender lender has already been paid on the Note they sold.



 

COMMENTS

  1. Equity Free says:

    November 24, 2010 at 8:08 PM

    As we speak the banksters are trying to take the teeth out of the Dodd- Frank financial reform bill .
    NWC Objects to Proposed Rules After SEC Admits the Rules Will Result in “Forgone Opportunities for Effective Enforcement”

    Washington, D.C. November 22, 2010. Today, the National Whistleblowers Center (NWC) voiced its strong opposition to Proposed Rules submitted by the Securities and Exchange Commission implementing the whistleblower provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

    In a letter to the SEC Chairman released today, the NWC disclosed that buried in its 181-page rule making document, the Commission staff was forced to admit that its rules, if approved, would actually undermine protections for whistleblowers and cause employees to withhold important information about securities violations from the SEC.

    * “cause those persons not to come forward with information in their possession about securities law violations.” Proposed Rule, p. 118;

    * “result in . . . forgone opportunities for effective enforcement action.” Proposed Rule, p. 118.

    In addition to these substantive impediments, the Commission also acknowledged that its proposed procedures for filing a claim will be “burdensome and confusing” for many whistleblowers. Proposed Rule, p. 116.
    “The Commission is cooking the goose that can lay the golden egg. Under their proposal, fraud will go undetected for years and investors will lose untold billions of dollars,” said Stephen M. Kohn, Executive Director of the National Whistleblowers Center. “The same Commission that repeatedly failed to investigate whistleblower concerns over Bernie Madoff’s Ponzi scheme is now poised to implement rules that will ensure that future Madoff’s will go undetected,” added Kohn.
    The NWC also filed today a detailed Freedom of Information Act request seeking full public disclosure of all corporate lobbying related to the whistleblower provision: “We need to get to the bottom of why the SEC has gutted critical oversight and accountability provisions of Dodd-Frank. The public deserves to know how lobbyists corrupted the process designed to prevent the next financial meltdown,” added Lindsey M. Williams, the Director of Advocacy and Development of the NWC.
    Links:
    NWC Letter to the Chairman of the SEC (November 22, 2010)

    Reply

  2. November 24, 2010 at 3:15 PM

    Here are some that will entertain everyone, Please read, and find out what we are dealing with…

    1- http://www.chicagotribune.com/business/problemsolver/ct-biz-1123-problem-shepard-20101123,0,1384207.column

    2- http://www.denverpost.com/business/ci_16601567

    3- http://www.ajc.com/business/foreclosures-came-out-of-699191.html

    4- http://www.propublica.org/article/homeowner-questionnaire-shows-banks-violating-govt-program-rules

    5 – http://www.courthousenews.com/2010/04/05/26130.htm

    6- http://www.courthousenews.com/2010/11/01/31512.htm

    7- http://www.federalreserve.gov/newsevents/speech/raskin20101112a.htm

    8- http://www.americanbanker.com/issues/175_216/ties-to-insurers-servicers-in-trouble-1028474-1.html

    9- http://www.americanbanker.com/issues/175_216/ties-to-insurers-servicers-in-trouble-1028474-1.html

    10- http://www.propublica.org/article/disorganization-at-banks-causing-mistaken-foreclosures-050410

    11- http://www.propublica.org/article/disorganization-at-banks-causing-mistaken-foreclosures-050410

    12- http://www.creditslips.org/creditslips/2010/11/erroneous-foreclosures.html

    13- http://www.bizjournals.com/jacksonville/stories/2009/11/23/story2.html

    And it goes on and on and on……

 

Foreclosuregate: Time to Break Up the Too-Big-to-Fail Banks

|  by: Ellen Brown October 15, 2010


Ellen Brown

Looming losses from the mortgage scandal dubbed “foreclosuregate” may qualify as the sort of systemic risk that, under the new financial reform bill, warrants the breakup of the too-big-to-fail banks. The Kanjorski amendment allows federal regulators to pre-emptively break up large financial institutions that — for any reason — pose a threat to US financial or economic stability.

Although downplayed by most media accounts and popular financial analysts, crippling bank losses from foreclosure flaws appear to be imminent and unavoidable. The defects prompting the “RoboSigning Scandal” are not mere technicalities but are inherent to the securitization process. They cannot be cured. This deep-seated fraud is already explicitly outlined in publicly available lawsuits.

There is, however, no need to panic, no need for TARP II, and no need for legislation to further conceal the fraud and push the inevitable failure of the too-big-to-fail banks into the future.

Federal regulators now have the tools to take control and set things right. The Wall Street giants escaped the Volcker Rule, which would have limited their size, and the Brown-Kaufman amendment, which would have broken up the largest six banks outright; but the financial reform bill has us covered. The Kanjorski amendment — which slipped past lobbyists largely unnoticed — allows federal regulators to preemptively break up large financial institutions that pose a threat to US financial or economic stability.

Rep. Grayson’s Call for a Moratorium

The new Financial Stability Oversight Council (FSOC) probably didn’t expect to have its authority called on quite so soon, but Rep. Alan Grayson (D-FL) has just put the amendment to the test. On October 7, in a letter addressed to Timothy Geithner, Shiela Bair, Ben Bernanke, Mary Schapiro, John Walsh (Acting Comptroller of the Currency), Gary Gensler, Ed DeMarco, and Debbie Matz (National Credit Union Administration), he asked for an emergency task force on foreclosure fraud. He said:

The liability here for the major banks is potentially enormous, and can lead to a systemic risk. Fortunately, the Dodd-Frank financial reform legislation includes a resolution process for these banks. More importantly, these foreclosures are devastating neighborhoods, families, and cities all over the country. Each foreclosure costs tens of thousands of dollars to a municipality, lowers property values, and makes bank failures more likely.

Grayson sought a foreclosure moratorium on all mortgages originated and securitized between 2005-2008, until such time as the FSOC task force was able to understand and mitigate the systemic risk posed by the foreclosure fraud crisis. But on Sunday, White House adviser David Axelrod downplayed the need for a national foreclosure moratorium, saying the Administration was pressing lenders to accelerate their reviews of foreclosures to determine which ones have flawed documentation. “Our hope is this moves rapidly and that this gets unwound very, very quickly,” he said.

According to Brian Moynihan, chief executive of Bank of America (BAC), “The amount of work required is a matter of a few weeks. A few weeks we’ll be through the process of double checking the pieces of paper we need to double check.”

“Absurd,” say critics such as Max Gardner III of Shelby, North Carolina. Gardner is considered one of the country’s top consumer bankruptcy attorneys. “This is not an oops. This is not a technical problem. This is not even sloppiness,” he says. The problem is endemic, and its effects will be felt for years.

Rep. Grayson makes similar allegations. He writes:

The banks didn’t keep good records, and there is good reason to believe in many if not virtually all cases during this period, failed to transfer the notes, which is the borrower IOUs in accordance with the requirements of their own pooling and servicing agreements. As a result, the notes may be put out of eligibility for the trust under New York law, which governs these securitizations. Potential cures for the note may, according to certain legal experts, be contrary to IRS rules governing REMICs. As a result, loan servicers and trusts simply lack standing to foreclose. The remedy has been foreclosure fraud, including the widespread fabrication of documents.

There are now trillions of dollars of securitizations of these loans in the hands of investors. The trusts holding these loans are in a legal gray area, as the mortgage titles were never officially transferred to the trusts. The result of this is foreclosure fraud on a massive scale, including foreclosures on people without mortgages or who are on time with their payments. [Emphasis added.]

Why Wasn’t It Done Right in the First Place?

That raises the question, why were the notes not assigned? Grayson says the banks were not interested in repayment; they were just churning loans as fast as they could in order to generate fees. Financial blogger Karl Denninger says:

I believe a big part of why it was not done is that if it had been done the original paperwork would have been available to the trustee and ultimately the MBS owners, who would have immediately discovered that the representations and warranties as to the quality of the conveyed paper were being wantonly violated.

You can’t audit what you don’t have.

Both are probably right, yet these explanations seem insufficient. If it were just a matter of negligence or covering up dubious collateral, surely some of the assignments by some of the banks would have been done properly. Why would they all be defective?

The reason the mortgage notes were never assigned may be that there was no party legally capable of accepting the assignments. Securitization was originally set up as a tax dodge; and to qualify for the tax exemption, the conduits between the original lender and the investors could own nothing. The conduits are “special purpose vehicles” set up by the banks, a form of Mortgage Backed Security called REMICs (Real Estate Mortgage Investment Conduits). They hold commercial and residential mortgages in trust for the investors. They don’t own them; they are just trustees.

The problem was nailed in a class action lawsuit recently filed in Kentucky, titled Foster v. MERS, GMAC, et al. (USDC, Western District of Kentucky). The suit claims that MERS and the banks violated the Racketeer Influenced and Corrupt Organizations Act, a law originally passed to pursue organized crime. Bloomberg quotes Heather Boone McKeever, a Lexington, Ky.-based lawyer for the homeowners, who said in a phone interview:

RICO comes in because the fraud didn’t just happen piecemeal. This is organized crime by people in suits, but it is still organized crime. They created a very thorough plan.

The complaint alleges:

53. The “Trusts” coming to Court are actually Mortgage Backed Securities (“MBS”). The Servicers, like GMAC, are merely administrative entities which collect the mortgage payments and escrow funds. The MBS have signed themselves up under oath with the Securities and Exchange Commission (“SEC,”) and the Internal Revenue Service (“IRS,”) as mortgage asset “pass through” entities wherein they can never own the mortgage loan assets in the MBS. This allows them to qualify as a Real Estate Mortgage Investment Conduit (“REMIC”) rather than an ordinary Real Estate Investment Trust (“REIT”). As long as the MBS is a qualified REMIC, no income tax will be charged to the MBS. For purposes of this action, “Trust” and MBS are interchangeable. . . .

56. REMICS were newly invented in 1987 as a tax avoidance measure by Investment Banks. To file as a REMIC, and in order to avoid one hundred percent (100%) taxation by the IRS and the Kentucky Revenue Cabinet, an MBS REMIC could not engage in any prohibited action. The “Trustee” can not own the assets of the REMIC. A REMIC Trustee could never claim it owned a mortgage loan. Hence, it can never be the owner of a mortgage loan.

57. Additionally, and important to the issues presented with this particular action, is the fact that in order to keep its tax status and to fund the “Trust” and legally collect money from investors, who bought into the REMIC, the “Trustee” or the more properly named, Custodian of the REMIC, had to have possession of ALL the original blue ink Promissory Notes and original allonges and assignments of the Notes, showing a complete paper chain of title.

58. Most importantly for this action, the “Trustee”/Custodian MUST have the mortgages recorded in the investors name as the beneficiaries of a MBS in the year the MBS “closed.” [Emphasis added.]

Only the beneficiaries — the investors who advanced the funds — can claim ownership. And the mortgages had to have been recorded in the name of the beneficiaries the year the MBS closed. The problem is, who ARE the beneficiaries who advanced the funds? In the securitization market, they come and go. Properties get sold and resold daily. They can be sliced up and sold to multiple investors at the same time. Which investors could be said to have put up the money for a particular home that goes into foreclosure? MBS are divided into “tranches” according to level of risk, typically from AAA to BBB. The BBB investors take the first losses, on up to the AAAs. But when the REMIC is set up, no one knows which homes will default first. The losses are taken collectively by the pool as they hit; the BBBs simply don’t get paid. But the “pool” is the trust; and to qualify as a REMIC trust, it can own nothing.

The lenders were trying to have it both ways; and to conceal what was going on, they dropped an electronic curtain over their sleight of hand, called Mortgage Electronic Registration Systems or “MERS.” MERS is simply an electronic data base. On its website and in assorted court pleadings, it too declares that it owns nothing. It was set up that way so that it would be “bankruptcy-remote,” something required by the credit rating agencies in order to turn the mortgages passing through it into highly rated securities that could be sold to investors. According to the MERS website, it was also set up that way to save on recording fees, which means dodging state statutes requiring a fee to be paid to establish a formal record each time title changes hands.

The arrangement satisfied the ratings agencies, but it has not satisfied the courts. Real estate law dating back hundreds of years requires that to foreclose on real property, the foreclosing party must produce signed documentation establishing a chain of title to the property; and that has not been done. Increasingly, judges are holding that if MERS owns nothing, it cannot foreclose, and it cannot convey title by assignment so that the trustee for the investors can foreclose. MERS breaks the chain of title so that no one has standing to foreclose.

Sixty-two million mortgages are now held in the name of MERS, a ploy that the banks have realized won’t work; so Plan B has been to try to fabricate documents to cure the defect. Enter the RoboSigners, a small group of people signing thousands of documents a month, admittedly without knowing what was in them. Interestingly, it wasn’t just one bank engaging in this pattern of coverup and fraud but many banks, suggesting the sort of “organized crime” that would qualify under the RICO statute.

However, that ploy won’t work either, because it’s too late to assign properties to trusts that have already been set up without violating the tax code for REMICs, and the trusts themselves aren’t allowed to own anything under the tax code. If the trusts violate the tax laws, the banks setting them up will owe millions of dollars in back taxes. Whether the banks are out the real estate or the taxes, they could well be looking at insolvency, posing the sort of serious systemic risk that would bring them under the purview of the new Financial Stability Oversight Council.

No need for disaster

As comedian Jon Stewart said in an insightful segment called “Foreclosure Crisis” on October 7, “We’re back to square one.” While we’re working it all out, an extended foreclosure moratorium probably is in the works. But this needn’t be the economic disaster that some are predicting – not if the FSOC is allowed to do its job. We’ve been here before, and not just in 2008.

In 1934, Congress enacted the Frazier–Lemke Farm Bankruptcy Act to enable the nation’s debt-ridden farmers to scale down their mortgages. The act delayed foreclosure of a bankrupt farmer’s property for five years, during which time the farmer made rental payments. The farmer could then buy back the property at its currently appraised value over six years at 1 percent interest, or remain in possession as a paying tenant. Interestingly, according to Marian McKenna in Franklin Roosevelt and the Great Constitutional War (2002), “The federal government was empowered to buy up farm mortgages and issue non-interest-bearing treasury notes in exchange.” Non-interest-bearing treasury notes are what President Lincoln issued during the Civil War, when they were called “Greenbacks.”

The 1934 Act was subsequently challenged by secured creditors as violating the Fifth Amendment’s due process guarantee of just compensation, a fundamental right of mortgage holders. (Note that this would probably not be a valid challenge today, since there don’t seem to be legitimate mortgage holders in these securitization cases. There are just investors with unsecured claims for relief in equity for money damages.) The Supreme Court voided the 1934 Act, and Congress responded with the “Farm Mortgage Moratorium Act” in 1935. The terms were modified, limiting the moratorium to a three-year period, and the revision gave secured creditors the opportunity to force a public sale, with the proviso that the farmer could redeem the property by paying the sale amount. The act was renewed four times until 1949, when it expired. During the 15 years the act was in place, farm prices stabilized and the economy took off, retooling it for its role as a global industrial power during the remainder of the century.

We’ve come full circle again. We didn’t get it right in 2008, but with the newly empowered Financial Stability Oversight Council, we already have the ready-made vehicle to avoid another taxpayer bailout, and to put too-big-to-fail behind us as well.

FORECLOSURE FRAUD PROPPED UP MBS (MORTGAGE BACKS SECURITIES) AND PROTECTED BANKS THAT ISSUED THEM

 

Credit Default Swaps 101

The Real Reason for the Global Financial Crisis…the Story No One’s Talking About

By Shah Gilani
Contributing Editor

Are you shell-shocked? Are you wondering what’s really going on in the market? The truth is probably more frightening than even your worst fears. And yet, you won’t hear about it anywhere else because “they” can’t tell you. “They” are the U.S. Federal Reserve and the U.S. Treasury Department, and they can’t tell you what’s really going on because there’s nothing they can do about it, except what they’ve been trying to do – add liquidity.

At the exchange rate yesterday (Wednesday), 35 trillion British Pounds was equivalent to U.S. $62 trillion (hence, the 35 trillion Pound gorilla). According to the International Swaps and Derivatives Association, $62 trillion is the notional value of credit default swaps (CDS) out there, somewhere, in the market.

This isn’t the first time Money Morning has warned readers about the dangers of credit default swaps. And it won’t be the last.

The Genesis of a Derivative Boom

In the mid-1980s, upon arriving in New York from Chicago with an extensive background trading options and futures (the original derivatives), I was offered a job at what was then Citicorp [today’s Citigroup Inc. (C)]. The offer was for an entry-level post in the bank’s brand new OTC (over-the-counter, meaning not exchange traded) swaps and derivatives group. When I asked what the economic purpose of swaps was, the answer came back: “To make money for the bank.”

 

 

The following links will offer tons of information on varying tactics if you are facing foreclosure other than filing BK.

FILE A COMPLAINT WITH THE FBI

Foreclosure Fraud – Guide to Looking up Public Records for Fraud

http://mortgage-home-loan-bank-fraud.com/

http://mortgage-home-loan-bank-fraud.com/report.html

http://iamfacingforeclosure.com/blog/2009/09/24/the-trouble-with-mers/

 

 

 

Indymac Notice of Sale Problem:


As everyone who has a loan owned or serviced by Indymac knows, the bank has had a long, troubled history. When the bank failed to meet FDIC guidelines, the government agency was forced to take over to ensure that the bank did not fail completely, which could have cost depositors all of their money. In early January, the FDIC then decided to sell off the mortgage-backed securities portfolio to a company comprised of a group of strong investment companies called IMB Management Holdings, LP. Indymac has now become One West Bank. The basic terms of the purchase allowed IMB to purchase the $16 Billion dollar portfolio for $13.9 billion. IMB also received $7 Billion in other securities and 33 branches making the acquisition terms very favorable for IMB.

The sale of the portfolio is now complete which puts homeowners, who were hoping to modify their loan in a more compromising position compared to when the FDIC was in control. While the FDIC was heavily understaffed, they were there to help modify loans to favorable terms for qualified homeowners. The process was very slow but the results were strong. Homeowners generally received a step program that would start at a very low interest rate (1%-3%) then gradually go up over the years until it reached a low fixed number. In addition, they would also stretch out amortizations to lower payments and capitalize delinquencies. This enabled homeowners to keep their property even when they were seriously delinquent causing the bank to make less money than when the property was purchased.

Now that the sale of the portfolio is complete and there is a new regime controlling the fate of the mortgage backed securities, these programs seem to be much harder to get. IMB basically bought the portfolio for around $0.40 cents on the dollar, meaning that if they foreclose on a property and only regain half of the note amount, they still make 20%. This is scary for homeowners. Foreclosing on homes is supposed to scare banks because it results in catastrophic losses. In this case, these losses have already been realized and dealt with, meaning that the homeowners have little leverage.

Along with the fear of foreclosure, Indymac is using unethical tactics to collect past due balances from homeowners. It has been seen where Indymac will offer a modification to a troubled homeowner looking to keep their house. The terms look great and the homeowner now believes that they can keep their home. They send Indymac the required ‘Good Faith’ reinstatement payment and the signed documents. Indymac cashes the check then issues a denial upon further review. This practice is becoming very common, so if you are an Indymac customer, understand what you are going up against.

Another important new addition to the ever changing guidelines is that anyone who is on Notice of Sale (NOS) now is required to pay up to 50% of their delinquent balance to delay the foreclosure. This does not guarantee a modification or reinstatement, just delays the sale date. Make sure that you consult an attorney before you make this move. There are other ways to delay the foreclosure without paying 6-8 months of missed payments, fees and taxes. Bottom line is that Indymac borrowers need to beware. They are not playing fair and definitely do not care about you as a homeowner.

If you are in a Trustee state and are heavily delinquent, realize that ASND, INC can be your answer to delaying the foreclosure. Indymac is taking back homes in the thousands. Do not be one of them just yet.


Why? And How Did This Happen?

I think that by now you are probably blown away at what the banks have been able to get away with. You’re probably wondering how this could be? Here to answer all, are links to some documentaries (free) that will explain in detail so that all will be revealed. Click the back button to return to the guide.

Root Causes and the Only Solution from Freedom Radio.com

http://www.youtube.com/watch?v=2iCRNBGQU00&feature=related

The Money Masters- This documentary details our monetary system which will help you understand how we got to this point in history with respect to our financial state both in our country and around the world.

http://freedocumentaries.org/teatro.php?filmID=243&lan=en&size=big

Banks and How to Break Them- This documentary explains the financial markets and the collapse in general terms and looks into the human element of trading. It does not address any of the legal or technical causes of the collapse but is interesting and somewhat educational none the less.

http://freedocumentaries.org/teatro.php?filmID=342&lan=en&size=big

Loose Change- Interesting documentary that’s has been out since 2006. Watch it and draw your own conclusions

http://www.youtube.com/watch?v=7E3oIbO0AWE

 

Breaking News- 08/19/2010

62 Million Homeowners Could Be Shielded From Foreclosure

http://foreclosureblues.wordpress.com/2010/09/13/the-curse-of-the-mers/

 

Video clip showing the sickeningly obviously fraud being committed by the banks!!

http://www.youtube.com/watch?v=hY4aRn6bWKg&feature=related

 

This video clip is by a homeowner looking for someone from Missouri that wants to join a Class Action Law Suit against MERS

http://www.youtube.com/watch?v=PqNkPEaIvaM&feature=related

 

Who Killed Glass-Steagall? How the Repeal of The Glass- Steagall Act of 1933 back in Nov. 1999 paved the way for the current economic crisis we are in today.

http://www.youtube.com/watch?v=x0k2PmF-o5Q

‘Bankruptcy Abuse and Consumer Protection Act.’ Enacted in 2005

Then conveniently right before the collapse of the economy Bush signed this appalling piece of legislation entitled ‘Bankruptcy Abuse and Consumer Protection Act.’ Consumer Protection Act?? What a bad joke. Were it not for this piece of legislation shoved down our throats, we could simply file for bankruptcy protection and a judge could Order the banks to lower the mortgage to CURRENT MARKET VALUE! That’s what they used to do prior to this enactment of this Piece of you know what legislation. That is why bankruptcy laws were created to begin with, to help the debtor keep their home! This is key to why we are now unable to negotiate with the banks on our under water homes. http://en.wikipedia.org/wiki/Bankruptcy_Abuse_Prevention_and_Consumer_Protection_Act

I am an attorney so I decided to….(Actual First Amended Complaint from his lawsuit)

http://www.scribd.com/doc/21619196/I-am-an-attorney-so-I-decided-to-sue-my-lender

Money As Debt! Watch the documentary that teaches you all about our ridiculous banking system that amounts to legalized fraud. Just click on the image below.

http://paulgrignon.netfirms.com/MoneyasDebt/references.htm

The US is BANKRUPT and what it means to you

Debunking the Dollar


Contributed by:

simon l (not verified) on Sat, 10/24/2009 – 15:08

If you look very carefully at each and every one of those mortgages, and inspect the appraisals made of those homes, you will see that the homes were WAY overvaluated by the lender and that MERS is on every single mortgage. Wells Fargo was not only a direct lender – it has hundreds of correspondent lenders that are doing the same thing (Draper & Kramer, the Chicago Real Estate Giant being just one), and then naming Wells Fargo as the SERVICER, so Wells Fargo can claim “assignee” protection, under MERS.
MERS is a child of MERSCORP – owned by Wells Fargo and other Banks. MERS “trades” in mortgages – but never reports those alleged “sales and purchases” to the SEC. In fact, one can’t find any information regarding the security (promissory note), a negotiable instrument that evidences a debt that a mortgage secures. The only way to get that informaion is to be a member of MERS. The information is purposely kept from you – and unless you are a member of MERS, you cannot get the information. MERS does it every day in Chicago. The Banks hide the identities of the real parties, so the borrowers cannot alert the investors of the frauds.
Please find out how to stop foreclosures! Please DO something! There is a corporate machine called Mortgage Electronic Registrations Systems, Inc. (MERS), that makes fraudulent conveyances of real property in order to facilitate foreclosures in the name of Wells Fargo, who is NOT the real party in interest!
To see it for yourself, you need only to examine any Cook County foreclosure proceeding initiated by Wells Fargo – look at the alleged “assignment” – the “officer of MERS” who signs the backdated assignment is actually the attorney of Wells Fargo!
Even when the homeowner figures out that he was induced into borrowing an amount in excess of the value of his home (by a fraudulent appraisal), there is NO WAY for the homeowner to contact the buyer of the note (holder/investor) to advise of the fraud purpetrated against the investor – a homeowner usually can’t find a way to fight against the foreclosure, because MERS was named on the mortgage as a nominee of the original lender – what the original lender conceals at execution is that MERS is also an agent of Wells Fargo (and other Banks). But, long after the original lender sells it’s interest, MERS claims it still has interest (as a nominee for anyone who buys the Note – this is never mentioned in the deal with the homeowner!), and when the Servicer (who collects payments to spread around the mortgage backed security pools) attempts to foreclose and is met with resistance from the borrower, MERS records an affidavit of assignment AFTER foreclosure complaint is filed, and the assignment is always backdated to just before default. But, common sense says MERS lost it’s nominee status at the original sale by the original lender – so WHY IS THIS BEING ALLOWED??
Please see through the curtain, Honorable Madigan of Illinois – MERS was never created to save money for the homeowner – it was created to avoid disclosure to the people and the government, and has robbed millions from Illinois by neither registering it’s securities (traded every day – make the MERS members show you the real records) nor paying any tax stamps – an average of 4 transfer fees lost PER MORTGAGE IN ILLINOIS, and thousands of foreclosures granted to the wrong party in interest, just so that party can remortgage the home to another victim, over and over! The Mortgage Banker’s Association should be investigated – so many people borrowed money against their homes, believing that they had equity so if something went wrong they would be able to sell and pay their debts – this would NEVER happen, because these borrowers were lied to and the appraisals made the homes look like there was sufficient equity when there was not – most were rendered unsaleable at the execution, and the borrowers were never aware until they tried to sell.
If you remember 1998 when Ms. Brooksey Born tried unsuccessfully to stop the Big Banks’ Black Box – you will see a striking similarity – the Black Box here is MERS, and the Derivatives are the American homes!
The only way to fix the economy is to void the fraudulent mortgage contracts and give people their homes – the mortgage payment they do not have could be spent on home repairs, property taxes, education for their kids, maybe a new car. They will have money to spend and save (if they save, the banks won’t have such a problem), they could pay for medical care, etc, etc.
The other way is: allow more people to lose their homes, after which they will depend on the government to survive – the homes will rot and become harbors for crime, the state will lose untold amounts of money on property taxes, no one will be able to afford healthcare or even to pay bills – which will put even more people out of jobs, more people will foreclose, more people will depend on government money to live. More manufacturers will go bankrupt, because no one can buy, and the homes offered for sale will be in disrepair and in now bad neighborhoods, so no one will buy them, so the revenues will even go down further, causing more loss of jobs, etc, etc – a chain reaction, while the banks get a big discount by fraudulently registering the foreclosed, unsaleable homes as co-ops and robbing the State of Illinois from more precious revenue – just look at how REO properties are taxed as compared to a lived-in home – the RE companies lie to the Assessors!
Meanwhile, the securities are not paying, so a person, or their parents, and even their grandparents are forced to sell their retirement funds and assets and are left with NOTHING, if they are lucky they will own their home outright – but if their mortgage mentions MERS, they are destined to NEVER own that property. The only way the Banks can keep their fraudulent ball rolling is to foreclose and eventually remortgage the home. THEY ARE AFTER THE LAND – not the home that’s on it. LAND DOES NOT DEPRECIATE – the Banks NEVER lose, no matter what they try to make it look like.

A promissory Note says that any notices regarding payment must be made to the Note Holder. You are never made aware of the identity of the Note Holder, so how can you notify of anything? The non-disclosure of the Note Holder is a breach of contract by the original lender and any assignee of that lender.

The Mortgage document first says this:

Quote:
MERS is a separate corporation that is acting solely as a nominee for Lender and Lender’s successors and assigns. MERS is the beneficiary under this Security Instrument.24

And later it says this:

Quote:
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lenders successors and assigns) and the successors and assigns of MERS.

MERS’ “Terms and Conditions” identifies MERS’ interests. The Terms and Conditions 26 say this:

Quote:
MERS shall serve as mortgagee of record with respect to all such mortgage loans solely as a nominee, in an administrative capacity, for the beneficial owner or owners thereof from time to time. MERS shall have no rights whatsoever to any payments made on account of such mortgage loans, to any servicing rights related to such mortgage loans, or to any mortgaged properties securing such mortgage loans. MERS agrees not to assert any rights (other than rights specified in the Governing Documents) with respect to such mortgage loans or mortgaged properties. References herein to “mortgage(s)” and “mortgagee of record” shall include deed(s) of trust and beneficiary under a deed of trust and any other form of security instrument under applicable state law.

YET, MERS does exactly the opposite when it “assigns” the mortgage AND note to the “servicer” – it is against the law, MERS cannot assign the note to anybody!

(Emphasis added – MERS’ website is mersinc.org, and the only entity the homeowner is allowed to contact is the Servicer, whose has no interest in the mortgage or the promissory note – the information regarding the true party in interest is only available to MERS members.)

A “beneficiary” is defined as “one designated to benefit from an appointment, disposition, or assignment . . . or to receive something as a result of a legal arrangement or instrument.” BLACK’S LAW DICTIONARY 165 (8 ed. 2004). But it is obvious from the MERS’ “Terms and Conditions” that MERS is not a beneficiary as it has no rights whatsoever to any payments, to any servicing rights, or to any of the properties secured by the loans.

There’s some great info on msfraud.org.

MERS is a strawman that holds nothing. Every assignment by MERS is a fraudulent conveyance of real property, backdated and then recorded after foreclosure is filed.

The Whole Country is BOGUS – Fabricated Mortgage Assignments All Over the Country

Posted by Foreclosure Fraud on February 14, 2010 · 46 Comments

For the past year and a half, I have been examining the public records of Florida, analyzing all of the fraudulent documents that have been entered into the system since the housing crisis began. I have found employees of lenders assigning mortgages to their employer, I have found companies assigning mortgages to themselves, by themselves. I have seen many variations of financial institutions employees’ signatures on hundreds, if not thousands of documents. I have seen people that are officers of too many banks, and I have been unable to verify the existence of certain notaries who sign millions of these documents.

Now, we are seeing BOGUS assignments all over the Florida public records.  At first I thought it was some kind of joke. Well it is, and the joke is on all of us. Doesn’t anyone look at these papers before filing them? Do the courts even care they are allowing peoples’ homes to be taken away by some BOGUS document?

This is much more than a clerical error. It is outright blatant fraud.

How massive is it?

Well, in just a few hours of perusing the public records of this country, we were able to come up with these BOGUS DocX assignments from multiple counties of multiple states. While we were at it, we found some Bogus Satisfactions of Mortgage as well. To top it off, not only do the assignments say they are bogus, most of the signatures do not match from one to the next.

Some counties and states do not have their records online and some counties and states require you to pay leaving them inaccessible at the moment.

Below are examples of what was found in just a few hours of research. Just imagine what would be found if official audits were performed.

States Examined; Arizona, California, Florida, Georgia, Kentucky, Illinois, Michigan, and Nevada.

Yes, these are on the extreme end of the  fraud spectrum, but what if all of those “official” looking assignments were just as bogus as these?

One of the most infamous “vice presidents”, Erica Johnson-Seck, who signed thousands of these “official” assignments, confesses the role she (and others?) played in the creation of similar documents in her deposition that is posted here … (takes a moment to load)

To top it all off, the Florida Bankers Association now wants to change Florida to a NON Judicial state with the bill in the link below that I urge all to understand.

The Florida Consumer Protection and Homeowner Credit Rehabilitation Act

Anyway, you decide…

Where are the damn Feds…

4closureFraud
www.4closureFraud.org

UPDATE 02/25/10 Investigations Started

—>
Lender Processing Services, Inc. – FORM 10-K – EX-21.1 – February 23, 2010 Legal Proceedings
<—

UPDATE 04/03/10 WSJ Reports on Bogus!

—>
WSJ Picks Up on Bogus – U.S. Probes Foreclosure-Data Provider Lender Processing Services Docx
<—

UPDATE 04/29/10

Florida Attorney General Bill McCollum Launches Investigations into Florida Default Law Group and Docx, LLC a/k/a Lender Processing Services

UPDATE 04/29/10

Foreclosure Lawyers Face New Heat In Florida

 

Foreclosure Fraud – Mortgage Fraud – Assignment Fraud – Forgeries

Don’t be so fast to leave your home just because you are “behind” on your mortgage. Those payments might not be due at all, or if they are, they are probably not owed to the entity you are paying. In almost EVERY case, the “lender” seeking to foreclose on your home never owned your mortgage or your note. Don’t be a victim…
Challenge EVERYTHING!!!

http://4closurefraud.org/2009/10/18/foreclosure-fraud-guide-to-looking-up-public-records-for-fraud/

Here is a letter FROM CONGRESS to Fannie May dated Sept. 24, 2010 Notice that one of the signatures is from Barney Frank that is the head of the banking and finance committee and a congressman.

http://www.msfraud.org/LAW/Legislative/congress-letter-to-fannie-foreclosure-fraud.pdf

10-13-2010- link to a letter I personally wrote to the Nevada Attorney General Catherine Masto, Esq.

Here is a letter I personally wrote to The Nevada Dept of Business and Industry Fraud division. Today Sept. 29, 2010. (it’s just one of many, many, many letters I have written to everyone from Obama, to Oprah to CNN to Bill Mahr, to Barney Frank, HUD etc.

Dear Mr. Daniels,

 
 

I read with amusement the “task force” set up regarding foreclosure prevention. It reads like a pack of wolves put in charge of watching the sheep. Please take a look at the Economic Survival guide put together by myself and a large and growing group of, (disgruntled citizens would be putting it mildly) that have been the victims of the biggest fraud ever perpetrated on Americans and specifically Nevadans at ground zero, Las Vegas. The guide provides links to all the so called “help” set up by Federal agencies, that offer no help. Beyond that are links and reliable information on what is really happening with the foreclosures that amounts to stealing. Case law, articles, even a letter written BY CONGRESS including Barney Frank the head of the Banking and Finance Committee to Fannie May regarding fraudulent activity. Through legislation like the repeal of the Glass-Steagall Act in 1999, and the subsequent 2005 Bankruptcy Reform and Consumer Protection Act, it changed the way banks can do business and reformed the “protections” consumers formerly had. It amounts to legalized fraud. It is fraudulent none the less. Just because a contract is made that both parties agree the sky is green does not make it a fact. So it is with the emergence of the bank created MERS Corp and its subsidiary MERS. Naming MERS as a beneficiary or nominee beneficiary does not make it a reality. In reality, MERS is nothing more than a wall that the bank hid behind the selling and trading of the borrowers promise to pay and then partner insurers stamping toxic paper as AAA and causing a mass run on the securities which by cause and effect increased the value of the real property to the point where they ( the banks) would give anyone with  a pulse a loan and then pre sold that “IOU” before the borrower even closed escrow! That means the so called “lender” never gave anything of value to the borrower, they simply involved the borrower in a securitization of their promise to pay and without disclosure to the borrower that they were a MAJOR part of a security that would be sold on Wall Street! Shouldn’t we have at the very least been told it was OUR Promise to pay that was being brokered on Wall Street to fund our homes? Or at the very least disclosing that the property to which they are securing the Note is now tied intrinsically to the value and subject to the fluctuations of the Stock Market? That it was no longer a safe conservative investment? Further, they named “the wall” that they hid their transactions behind as the beneficiary. How can a wall be a beneficiary? If I gave you a Note in exchange for say $5000.00. and then you sold the note in front of me to Joe, and Joe sold it to Tom and Tom sold it to Sam all in plain view, I would then know I owe the money to Sam. BUT if these same transactions occurred behind a wall I could not see over, under or around, You could sell the Note and collect the money and then later if you had named that wall as beneficiary then had a buddy named as an “officer of the wall” assign that Note back to you and you come calling to collect, EVEN THOUGH YOU WERE ALREADY PAID. That is what MERS is. It had nothing to do with the loan, or my IOU, and to top it off the banks no longer file the sales or (assignments as they are called) in the county of record where the property and Deed are recorded thus the county lost billions in recording fees. Not mention the credit default swaps (we call it hedging your bet here in Vegas) the banks took out on each other knowing they were falsely stamping these securities as AAA (because after repealing Glass-Steagall they were all in bed together) and knew they would most likely default so they made their money already on the “brokered deal” they put together. They never loaned anything, the borrower (and investor) were damaged by the banks fraudulent activities that go against over 100 years of mortgage practice in this country, and still they are stealing property that they have no interest in, other than a fraudulent paper trail that they created. They always say documentation, documentation, documentation, to prove your case so they simply fabricate the documentation and file it in the county records and steal the home. Or in the case of judicial states they simply provide false documentation to the courts.

Please go over the guide carefully. There is plenty of documentation clearly outlining the banks fraud and how they did it. There are links to 1000’s of resources and paper trails and video footage etc. etc.

Something desperately needs to be done as MERS is not a real party of interest in the Note! Just because it says so on a piece of paper does not make it a reality. MERS own website says they do not loan money or collect payments or have anything to do with the loan other than record its assignments. It can’t be both a real party of interest and not be a real party of interest at the same time. It’s fraud. It’s set up to rob the middle class of its wealth and transfer it to the wealthy. We already lost our life savings investing in our homes we were told was ‘the best investment an American can make in their lifetime’ so at least we should be able to keep a roof over our heads! Albeit an underwater roof! They already robbed us. Our state needs to stand up for its constituents and take back our rights. Isn’t this what the revolutionary war was fought over? The British banks were stealing our homes? Wasn’t it people just like you and me that got fed up and took up arms to fight the British and wasn’t it John Adams that fought for Congress to support them in their efforts to separate the United States from the tyranny of the British Central Banks?

This insanity must end! My group is out to educate all 62 million Americans affected by the whole MERS sham and let me tell you we are MAD! If our representatives do not stand up and do THE RIGHT THING by us, the tax payers that have been defrauded and depleted and are now unemployed  as well, let me put it this way, they will soon find out they will be out of a job too.

Please see the attached Economic Survival Guide.

 
 

Thank you for your time.

Lynn Chase

 
 

“Life is a journey, so enjoy the ride.”

 

 

Foreclosure Horror Stories slide show

 

The Foreclosure Fiasco and Wall Streets Shrug

 

The Foreclosure Fiasco Leads to Washington

 

Countrywide Documents May Spell Doom for Bank of America

 

Are you getting mad yet? Read this story!

http://mandelman.ml-implode.com/2009/09/unbelievable-breaking-news-senior-couple-being-screwed-royally- by-mortgage-servicer-specialized-loan-servicers/

It’s been fraud all around folks and you have to start scratching your heads and ask why?

Want to dig a little deeper? So did we, how deep does this fraud go? How high does it climb? Who is really involved or behind all of this? Who are the banks? Who are the hedge fund managers? Who are the majority shareholders in these too big to fail banks? Who is paying the lobbyists’ to corrupt our government representatives? Who IS THE MAN BEHIND THE CURTAIN?

Who indeed?

Let us take a look at some theory’s….

http://www.zeitgeistmovie.com/ be sure to watch this from the first 2007 film (which is in 3 parts itself) then watch the addendum and then the 3rd film is not out yet, but will be released soon.

Are we owned by The House of Rothschild? After seeing this you might think so! Watch the video clip then follow the instructions below to verify its truth.

 

http://www.youtube.com/watch?v=KRTVLSZ8cVQ

Do you want to find out how much you are worth??

Search……
http://personal.fidelity.com/news/quo…

1) click Symbol Lookup next to the Box Now where it says Search for change the box to [Mutual Fund] and the other box to [fund number]

2) Now type in the [Search Value Box] this: the year you was born / and the red numbers in the lower left/right hand corner of your Birth Certificate like this EXAMPLE [1967/the number]

3) If you show up click FSNIX under symbol

HOW MUCH ARE YOU WORTH?
Oh and lastly Notice the Fidelity’s firm symbol Go on take a look!!

Cases Argued and Decided in the United States Supreme Court Book 20

The History Of Money

These websites have 1000’s of links to amazing information!

THE US Financial Information and So Much MORE a MUST SEE Link

Welcome to The United States Of Austerity

Non-mainstream REAL Independent News Media

 
 

brasscheck tv

propaganda matrix

voltairenet.org

dprogram.net

Project.nsearch

Fourwinds10

Hinterland Voice

Icelandic Modern Media Initiative

Disinformation-tactics-methods-used-to-keep-you-in-the-dark

corbett report

youtube user/SuppressedNews

no one has to die tomorrow

dprogram.net
Information clearing house

Alex Jones Prison Planet

8 the state

Disclose TV

We the People Radio network

Rense

Nexus

Educate Yourself

Mediaed

Oped news

mind control-victims

 PR watch

Smoke Screan Media

Project Camelot

Free press links

Iluminati News

Brass Check TV

Silobreaker

GCN live

Truth news

Vortex Network News

world audit

8th Estate Public Media and Research

Rogue Government

Jancik radio network

Snardfarker

Suprememastertv

Whiskey and gun powder

Conscious media network

Citizens for Legitimate Government
Old-Thinker News
BlackListed News
News X
Information Liberation
Rogue Government
Lew Rockwell
Ridley Report
Illuminati News
Red Ice Creations
Restore The Republic
The New American
Break The Matrix
Above Top Secret
What Really Happened
War On You
American Free Press
Wake Up From Your Slumber
Free-Market News Network
Global Research
Cryptogon
Aftermath News
Rebel News
Strike The Root
Revere Radio
FKN Newz
Media Monarchy
Bureaucrash
Uncover the News
Cremation of Care
PyraBang
Rumor Mill News

survivalist news

want to know.info

 

 

This is a trailer for a major motion picture soon to be released that I can’t wait to see! All I can say is “The cat is out of the bag!!”

‘Inside Job’- This next link is to a Trailer for a film not out yet as of 09/29/10

Who Owns THE MEDIA?You may have to create a user name and pw to view this doc.

Survival Information For The Worst Case Scenario (poverty, chaos, Marshall law, homelessness, or the need to G.O.O.D (Get Out Of Dodge)

http://www.survivalblog.com/

 

Survival guide for the unemployed

Just lost your job? These 13 tips will help you find ways to cope, from keeping up your spirits to prioritizing your spending, MSN Money’s Liz Pulliam Weston says.

If you’ve just lost your job, the decisions you make in the coming days and weeks may be critical to your financial survival.

How you organize your time, corral your resources and handle your money will help determine whether this job loss is a temporary setback or a potentially life-changing disaster.

But your most important task will be managing yourself, said career coach Nancy Collamer.

“It’s OK to catch your breath and lick your wounds,” said Collamer, the publisher of the Jobs and Moms Web site and author of the e-book “The Layoff Survival Guide.” “Take a week, two weeks if you need it” — but then get going.

Here’s what you need to do:

Get your head on straight. Keeping your spirits up, your energy level high and “a realistic sense of optimism” will be essential skills in helping you navigate the road ahead, Collamer said.

Your spouse or partner may be as freaked out as you are, and your friends are busy trying to keep their own jobs. While family and friends can try to help, what you really need is a job-hunting “board of directors” that can give you advice and encouragement, Collamer said. That means finding a job-search support group; the Web site Job-Hunt, she said, is a good place to start looking.

Schedule your job search. Get up early, take a shower, put on nice clothes and schedule what you’ll do for the day.

“Even if you don’t have appointments, you can take some time on Sunday night or Friday afternoon or whenever it works for you to schedule out your week,” said Collamer, whose husband’s layoff in 2001 prompted her to write the unemployment guide. “You might decide that from 9 a.m. to 11 a.m. you’ll research new companies on the Internet and from 1 p.m. to 3 p.m. you’ll go to the library and check out three books on writing résumés to see what you can do to improve yours.”

Having a schedule keeps you moving forward, Collamer said, and preserves “that sense of dignity” that can be lost when the structure your job used to give you suddenly, and unsettlingly, disappears.

“You want to have that feeling at 5 p.m. that you’re done for the day,” Collamer said, “and that you’ve accomplished something.”

 

[Related content: budgeting, financial planning, bills, spending, emergency fund]

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  1. Turn off the lights when you leave a room- this one seems obvious yet so many people leave the TV on or room lights, closets lights, garage lights, etc. on when no one is even in the room! Why is it so hard to flip a switch when you walk out of a room? Guess what? It isn’t! So do it! It’s one of the simplest and most effective ways to reduce your power bill.

     

  2. Hand wash clothes. I am not joking! Ladies, all you little intimate clothing/ undies/ slips/ bras/ or other delicate clothing can and should be hand washed. It doesn’t take more than 5 minutes and another 5 to lay them out to dry. You now saved money on power and possibly gas if you have a gas dryer, water, and your clothes will last longer. If you have an old washing machine without a delicate cycle you probably already do this, but if not it’s great cash saving tip! Don’t forget every little thing we do costs money and so it ALL adds up! Which brings me to number…

     

     

  3. Line dry your wash. Ok so you don’t have a yard with anywhere to “line dry” your clothes. Or your association won’t let you hang your cloths out to dry cause it will look like a 3rd world country. Unfortunately we could very well become a 3rd world country if we don’t start paying off our debt and acquiring real assets not more debt. So hang a line inside your home if you have to. Layout towels on the floor for your sweaters and hang shirts up wet and let them dry on their own! There is no excuse. Do you want to save money? Alright then, hang your damn clothes up to dry. Only use your dryer if you absolutely must for those items that you can’t hang to dry. Can’t think of what that might be right now but even if you use your dryer ½ the time, then you saved ½ the cost. Get your kids to help. They should learn how to share the work load anyway. Tell them to turn the video games off while you’re at it. How can they learn backbone, sharing, giving, helping, thoughtfulness, compassion, trust, from a video game anyway? Think they learn those things at school? Don’t even get me started.

     

  4. Turn off the vampire appliances and plugs. You know all those blinking lights on the crap we bought. Yes we loved buying all our electronic crap that somehow still left us wanting. Well what we want now is more cash and all those blinking lights on extra phone lines in rooms no one answers, or power strips to appliances and other doo dads that we rarely use. Turn em off! They are sucking power for no good reason! Turn off the CPU, the extra digital clocks, etc. If you are not using it turn it off. You want to use it? Plug it in. Simple. Speaking of phone lines… see number.

     

     

  5. Fire the phone company. That’s a biggie! That’ll save you at least $600.00 right there! This is only a great suggestion though if you already have a cell phone. I have had the same cell phone number since 1986 so for me it was truly a no brainer. No, you don’t even need it for the fax line cause you can go to www.efax.com and get a free fax number and receive all your faxes via your e-mail address, or logging into your e-fax account and retrieving it that way if you like. So for most this will save you a tidy sum.

 

  1. Scrutinize your cable/satellite plan and try to lower it. I love HBO. I love True Blood, Curb Your Enthusiasm, movies etc. So, I did not want to give up HBO. I did lower the over all plan though and then I check all the time for the specials and usually am able to get HBO for ½ price. I was able to lower my bill and save $540.00 and still keep my HBO. During these times I am afraid we will be watching more TV than ever so I thought it was important for my mental well being, so this falls under the “thriving” part. I want to save money but I also don’t want to be depressed about it. So keeping that in mind I refer to number 7.

     

 

  1. Feel like a million bucks! Volunteer for your favorite charities! This is so cool on so many levels!!! One it makes you feel like a million bucks! I swear on my father’s grave if I lie may I rot in Hell or wherever you believe liars go. This is actually almost a selfish thing because you feel so darn good that what little help you actually gave in the large picture pales in comparison to how good you will feel. Guaranteed. The money you save will be in tax deductions. You can donate your time, or goods and as long as you keep a receipt and log of your mileage, you can deduct it! (consult a tax accountant for your situation) I hope I don’t need to state the obvious effects on those that you would be helping as well! Please do this. If you do nothing else from this book, just do this.

     

  2. Use candles. Try the long lasting beeswax candles. Not only will you save money on your power bill, but it’s romantic too! I’m going to suggest sex while I am at it, since that can also make you feel like a million bucks! Also burns calories, so file this one under both money savings and thriving in the economic crisis. If your alone, I still suggest sex but you won’t burn as many calories. Great pass time and it’s free!

     

  3. Coupons coupons coupons! I know you’re too good to clip coupons! I also know I save more money than you. They are like free money honey. Also, every time you purchase something online, if they show a box for a coupon code or similar before you hit “purchase” do a quick Google search for “coupon code” or Promo Offer plus whatever store name you are buying from and see if there is a current code available. This will often get you free shipping, or discounts or extra free gifts. We also provide handy links to several coupon sites so reads on!

     

  4. Donate to charity or sell ! De clutter your garage, home or storage unit for fun and profit! Most of the accumulated crap will be just crap. However you will also find great items you could give as gifts, sell on e-bay or donate to a charity and get the tax deduction!

     

  5. Keep good financial records. Very important! Don’t throw money away because you are late on a bill! This will also be a source for finding tax deductions that you will forget if you do not keep sound financial records. Keep your receipts! I do 90% of my bill pay on line through my bank. That way all (or most) of my record keeping is done while I am simply doing what I have to do anyways! Pay my bills. Then I simply print out the payments and wrap them around the paper bills and file them according to month. I also keep all my bank statements each month in the same place filing the statements in the back of the folder per month. If I need it again it is quickly retrieved showing all the transacti0ons along with the printout of the monthly bills paid. Easy Chickeezy!

     

  6. Start a business. I don’t care what kind of business. Start a website, bake pies, make handmade stuffed animals, whatever, you can do something if you really want to. Go to the secretary of state website in your state and file the new business. Work out of your home and write off the portion of your home you use, portion of utilities, and other necessary business expenses like taking potential clients out to eat, buying them gifts, taking them golfing, your annual shareholders meeting that is being held in an exotic location (using the funds you saved by following number 15), etc. Be sure to discuss this with your accountant or CPA to make sure you do it correctly and within IRS guidelines. You may have no profits for 3 years before the IRS concludes it is a hobby not a business, and disallows the write offs. Then you’ll need to start a new business.

     

  7. Use cash. Duh. How do you think we got into this mess to begin with? I recall my grandfather who lived through the depression era and continued working without going on the government charity, used to say it was an embarrassment to have debt. People looked down on people with debt or felt pity for them. I am not talking stupid debt like running up 10 grand on your credit card buying crap, no I am referring to any debt including mortgages! People actually used to only buy things they could afford! Imagine that! I know it is difficult to fathom but true. Buy what you can afford to buy and nothing more. Remember your home is not an asset until it is yours and not the banks. Once you own it, then it is an asset. Until that time it is a liability as many, many, homeowners are just now discovering.

     

     

     

  8. Prepare you own meals. You know that giant granite counter and those fancy appliances you had to have? USE them! Make your own meals. I know you love to eat out, who doesn’t? But if you can cut out a dinner out or even fast food you will be richer, and healthier! This is also a great family time or neighbor time or friend time. Make it a regular thing, do pot lucks with your friends, and neighbors. This will save you money, keep you healthier, and bring you more joy. Three good things.

     

  9. Do your own hair and nails. Don’t laugh or shriek in horror! It can be done! I am saving over $2400.00 per year doing my own hair and nails. I do not have an easy no fuss hairdo either and I have a French manicure on my nails and my toes. I have long blonde hair in layers and I am not a natural blonde either, so I am not suggesting you look like a ragamuffin. How is one to feel fulfilled if they are not happy with their personal hygiene standards. This is not about lowering your standards. This is about getting something for less, and upping our quality of life and our life condition. Yes baby, we can have it all! It will take some practice but get a friend and help each other. Or at the very least get 2 mirrors set up so you can see the back of your head and be able to do it yourself! Cut your kids and husbands hair too. With the money you save, go on vacation, er, I mean, your annual shareholders meeting.

     

  10. Buy drugstore make up. I was a professional singer and dancer for many years and I know how to do full stage makeup using nothing but drugstore products. You don’t have to sacrifice beauty buying less expensive makeup. The only exception might be the foundation. If I were to splurge on a make up product, that would be the one thing that I think is of better quality than the drugstore alternatives. But for lipsticks, liners, blush, mascara, eyeshadows, honey, save your money and avoid the make up departments in the high end lines.

     

  11. Skin care products. See number 16. Seriously, drugstore, even the grocery store carries plenty of great skin care products from Olay and Loreal, etc. Burt’s Bees is a great skin care line and compared with department store priced skin care it is a real bargain! For the aging skin I highly recommend Strivectin D but at $120.00 a bottle, forget about it! It gives me wrinkles even thinking about spending that kind of money on one little bottle of cream. So buy the Strivectin D for eyes! It’s half the price and it’s the same formula only without the fragrance! Plus it is so concentrated that the one tube will last you a year!

     

  12. Eat healthy. Buy only enough fruits and veggies you will use within a few days to avoid waste. While fresh fruits and veggies may cost more than breads and cereals the money you will save on health problems from a diet of processed foods and enriched flour could not only save your life but your bank account as well. Did you know that so called “enriched flour” means that all the good stuff was removed during processing so they have to add some vitamins back in to enrich it . However, it is not even close to how healthy it would have been in the first place! Have you heard the expression “white flour, white sugar equals white death”? Well you have now. It’s true. It’s simple. Eat fresh fruits and veggies. Save money, be healthy and live longer.

     

     

     

  13. Use cloth towels instead of paper towels! I know you older folks are shaking your heads right now but in the disposable world that my generation and younger grew up with we used paper towels! Disposable everything! Well right now we need to learn from an older and wiser generation and recapture their values too. Ex’ing the paper towel is a small step, but it is a step in the right direction. I am all for moving forward but if paper towels are a step forward, the average cost of using 2 rolls per week or about $300.00 per year is a definite step backward. As in waste, rubbish, and added crap to landfills.

     

  14. Wash your own car. This can save a bundle if you are one of those people that gets their car washed once a week using the cheapo $7.00 car wash that still adds up to $336.00 per year! Better yet, go to your local ‘Hooters’ and help them organize a charity car wash (doing your car first, on the cuff of course for being such a great person, and you are a great person) then donate the proceeds to the charity! Everyone wins, it’s fun, helpful, your car gets cleaned and you have the tax deduction for your time and mileage putting it all together! Depending on your schedule you could do this once week for various charities using various restaurants. Or just wash your own car.

     

  15. Make your gourmet coffee at home. This is a tough one for me. I admit it, I am a Starbucks addict. Latte Grandes, Java Chip Frappacinos, and those Vivanos! OMG! Okay, I must sacrifice. I want the vacations, I want my debt to be gone, if I cut out my daily Starbucks that saves me at least $1,454.40 per year! Now that’s an OMG. Are you kidding me? Forgetaboutit! My trade off, I buy the Starbucks in the bag and make it at home. If I cut that out I could save an additional $240.00 per year buying 2 pounds a month but this book isn’t about feeling unfulfilled. It’s about feeling fulfilled but not being stupid. I’m sorry, did I say stupid? I meant to say being a jerk. Oh don’t be so sensitive, I am the jerk that spent $1,454.40 at Starbucks. Guess what happened? It all ended up in the ocean my friend, right down the toilet. That’s not even counting when I used my credit cards to pay for the damn things and then paid interest on top of that! Still turned to crap, or pee as it were. Expensive pee. I do adore Starbucks so that is my indugence. You may not love it as much and will be able to save tons more buying Folgers or Maxwell House or any number of cheaper brands. Me I drink several cups a day so it is basically a staple of my diet. Caffiene is also reported to lower your risk of liver cancer if you drink 3 to 4 cups a day. It’s true! As reported in the journal of the Nati0nal Cancer Institute, a 10 year Japanese study led by Monami Inoue of the National Cancer Center in Tokyo analyzed the study of over 90,000 people over a 10 year period and found that those that did not consume coffee had double the rate of liver cancer compared to those that consumed 3 to 4 cups of java per day. The study also compared drinking green tea which also contains caffeine and other antioxidants and found no association with drinking green tea and liver cancer. They were unable to compare the effects of de caffeinated coffee however as decaf is rarely consumed in Japan. In a separate study reported in the same issue of the journal showed a 52% decline in rectal cancer among people who regularly drank two or more cups decaffeinated coffee per day.

 

  1. Get your shampoos and conditioners at the grocery store not the beauty parlor. Just because the bottle is prettier doesn’t make the product better. Just because the bottle is prettier doesn’t make the product better. Now keep repeating it. It should become your new mantra. Apply it liberally and often.

     

  2. Barter for things. Or, offer a service or product . I have a neighbor that is a plumber (I know your jealous) and my chocolate chip cookies rule. Need I say more? Get creative! Network with friends, family and co workers to exchange products and services.

     

  3. Pay down your debt. If you have debt especially credit card debt, try to pay them down or if possible pay them off as quickly as possible. Pay the most you can afford to the highest interest card first and work down from there. The monthly cash flow improves, and more importantly your peace of mind improves. Free your soul. Don’t be a slave to the banks anymore. Do not let them lure you in with the delusion of them giving you something i.e. money. They are not. They are vultures, liars, and marketing experts. They are not “giving” you anything except a life of slavery. The only exception to this is maybe the business loan and home loans as theoretically and historically these should increase in value thus creating an asset not just a liability.

     

  4. Don’t waste money on expensive cleaning products. Most of the cleaning products we are marketed are made up nothing more than a pretty bottle, made up of mostly water, or bleach, or ammonia, or vinegar with added fragrance and other crap you don’t need. Yeah I know it seems that there is a lot of crap going around. What can I say? In the immortal words of the late great George Carlin, “it’s all Bullshit and it’s bad for ya.” So buy basics, like the old powder cleanser i.e. Commet or other brand. You will also need some ammonia, some bleach and some vinegar, then mix them separately with 90% water. If must, buy some lemons and squeeze them into your own blends and put them in the old empty spray bottles. Your old 409 bottles or Windex bottles, etc. So you have your ammonia mix with water in one, your bleach and water mix in another, your vinegar and water in another. Label them and reuse them. This saves you a fortune! How many times have you gone to the grocery store and filled your cart with cleaning products and after spending over $100.00 bucks come home with nothing to eat? It’s crazy. Buy food, real food at the grocery store and nothing else. (see number 18) Don’t waste your grocery dollars on these ridiculous albeit well marketed cleaning products. Don’t forget your new mantra “Just because the bottle is prettier doesn’t make the product better. Just because the bottle is prettier doesn’t make the product better.” One exception to this is the Swifter floor cleaning system. These handy disposable wipes that fit on the swifter make the floor cleaning process so quick and easy that the time you save, you could be working on that business you started, or donating time to that charity. Also they offer a cloth version with a liquid instead so you could use that versus the disposable cloths but with 2 rescued Pit Bulls, a cat and 2 horses, plus running my non profit group ‘Kids Caring For Animals Foundation’ out of my house, my floors get really dirty quick so the disposables works best for me. There is always an exception for every rule and this book isn’t about being overworked and miserable. It is about playing the cards your dealt. We have an economic crisis but we won’t fix it if we are all too depressed to do anything, so lighten up. Have faith. We can keep our homes clean and still eat. We just have to use our brains, and common sense, and maybe some sweat, all of which is good for us and will make us happy and fulfilled. Who knew it would take an economic crisis to do that?

     

  5. Review your cell phone plan. Do you really need to be constantly wired or has it just become an expensive habit or convenience? Think it through and decide if it is worth what you are paying. Perhaps you can lower the rate? I once went several years with my cell plan only being able to check voice mail. The plan had little or zero minutes and I would check my voice mail from my land line so my cell phone which I had for emergency only cost $9.95 per month until they raised the rate to 15.95 per month.

     

  6. Save on gas. Did you know you can save gas by taking right turns instead of left turns? UPS maps out it’s deliveries to do just that. Learn from them, if you have errands to run, or appointments to make and keep. Plan them so that you can do this the most efficient way possible taking right turns instead of left ones. This saves time and gas as you avoid sitting at lights or waiting for traffic while trying to make left turns. Also if you plan ahead you can do the tasks in bulk rather than spreading them out over several days. Simple but effective, and when filling your tank costs the equivalent of a date to the movies with your favorite girl including popcorn and candy then it’s worth it to take the time to plan ahead. Also plan your routes and outings, if you have a doctor appointment tomorrow and it is near the grocery store, do you really need to go to the grocery today? My guess is unless you are out of toilet paper or any paper that you could substitute as toilet paper than you can wait till tomorrow and go to the store after your appointment!

     

  7. Cancel your gym membership. I didn’t say stop working out. Just stop paying to move your body. Running is free, pick up some used weights usually found in your local classified for sale, along with any other workout equipment that might suit your fancy at a fraction of the cost. Many people will part with their large bulky unwanted equipment for next to nothing being happy to have someone pick it up and get it off their hands (or taking up needed space as is typically the case).

     

  8. Buy cheap “tooth whitening” toothpaste. If whitening your teeth is high on your list Ultrabrite is a great alternative to more expensive teeth whiteners.

     

  9. Cut out the dry cleaning. Even when the label says “Dry Clean Only” it is rarely true. Hand wash and line dry. (see numbers 2 and 3). My husband used to send a bag to the drycleaners about once or twice a month at an average cost of $60.00 per cleaning. That’s $120.00 per month or $1,440.00 per year! My shareholders meeting is looking better all the time! Or if you still haven’t paid off your credit cards there is a nice chunk of change that is painless to save.

     

  10. Drink tap water. Haven’t you heard that the plastic bottles you buy your “good water” in causes cancer? Well it is debatable I am sure, but that’s the word on the street and according to some sources Canada is considering banning plastic bottles. So it’s not a bad idea to “just say no”. Instead, save your glass bottles from the vodka you will need to drink in order to get through this crisis! Well lets hope that’s not your only remedy and you will take the advice in our guide as your guide. After washing out our safe glass bottles fill them with water and keep them in the fridge so they are handy. You probably already have a water filter system that you paid for with credit anyway, so offset the cost stupid, I mean jerk, I mean nice person that did foolish things with their money that wasn’t even their money but rather the banks money that you were conned you into thinking was a gift, or favor, status symbol, proof that you made it, or something (those scoundrels)! They even gave you a card with a picture of your favorite hobby on it! How nice of them. NOT! Thomas Jefferson once said “bankers are synonymous with scoundrels”. God I wish Tommy was alive and living in Washington DC today!
  11. Rent out your home or just a room in your home. If you are really down and out with no job, no income, no family that is willing to support you, then time to see if you can find someone else to pay down your mortgage for you. This option means you will be searching for a new home, condo, or crash pad but hopefully at a fraction of cost of the mortgage you pay. It allows you to keep your home and not the payment. At least until things turn around. It means being a landlord and other responsibilities so be sure this is something you can handle but for some it could be the answer they are looking for.

The Following was found on Yahoo Money and while it is pretty tongue in cheek it might help if only to make you smile!

10 Ways To Survive Without a Bailout

  • Rick Newman
  • Monday February 23, 2009, 8:06 am EST

If you haven’t qualified for a bailout by now, your chances are sinking fast. Washington has spent just about all the money it can stomach for awhile and done its best to give something to everybody. If you’re not in a line for a tax cut or housing rebate or mortgage modification or green-energy job, you may have little choice but to wait for the next financial meltdown.

But who says the whole solution has to be about jobs and money? There are plenty of ways to while away a recession and maybe even bail yourself out in the process. Such as:

1. Fix something. Look around your house. There are plenty of things that don’t work right. Maybe it’s something old and mechanical, like a blender or the bike you haven’t ridden in years. Or maybe it’s something new and digital, like a camera or a laptop with a virus. You used to pay somebody else to fix things like this, or just trash the offending gizmo and buy another one. But now you’re cutting back on extravagances. So find the manual, or download it, and tackle the job yourself. And when you start to feel comfortable with your new repair skills, come over to my house and help with my pile of projects.

[See how to tell when the economy’s getting better. http://www.usnews.com/blogs/flowchart/2009/2/12/how-to-tell-when-the-economys-getting-better.html ]

2. Learn how we got into this mess. For people who don’t work in the financial industry or the news media, the financial crisis is hard to comprehend. But new resources are emerging that do a good job of demystifying esoteric stuff like subprime lending, mortgage-backed securities, credit-default swaps and all the other things that helped cause the recession. The nonprofit Milken Institute has published a dry-sounding report – “The Rise and Fall of the U.S. Mortgage and Credit Markets
http://www.milkeninstitute.org/pdf/Riseandfallexcerpt.pdf ” – that’s actually a concise, readable explanation of how the housing boom and bust produced the worst recession in at least a generation. A new book by Dave Kansas, The Wall Street Journal Guide to the End of Wall Street As We Know It
http://www.harpercollins.com/books/9780061798962/The_Wall_Street_Journal_Guide_to_the_End_of_Wall_Street_as_We_Know_It/index.aspx , tracks the crisis back to its roots in the S&L debacle of the 1980s – in merciful plain English. Other useful primers are sure to materialize soon. A better understanding of what happened won’t end the recession, but it will make you a lot smarter about your financial life and other decisions in the future.

3. Have more sex. Consumer confidence is dismal, and we need something to feel good about. Why not sex? Europeans have charged for years that Americans are overworked and undersexed. Let’s prove them wrong. If done right, it will take your mind off your dwindling retirement fund or your precarious job prospects. Another bonus: If you have a partner, it ought to be free. And if you don’t have a partner, well, you didn’t get this advice from me.

4. Start a blog. Feel like adding your voice to the growing national rant? This is how. A lot of hosting sites, like blogger.com, are free, while others, like wordpress.com, charge a few bucks a month and give you more control. If your friends like what you have to say, your blog will gain popularity. If they don’t, then it’s better that you channel your vituperations into cyberspace anyway. And there’s a good chance you’ll discover other bloggers who feel the same way you do.

[Find out how to skirt taxes and still land a plum job. http://www.usnews.com/blogs/flowchart/2009/2/4/how-to-skirt-taxes-and-still-land-a-plum-job.html ]

5. Solve a problem. We’ve all become experts at complaining about the problems that ail America. How about solving one? Start small. Mediate a family spat or help a struggling student raise his grade by a notch. When you get bogged down, pretend you’re Tim Geithner or Ben Bernanke trying to solve the foreclosure epidemic: Sure, you could dither forever trying to figure out the fairest outcome for everybody. But you might die of old age first, while the problem mushrooms. So do a little something now instead of waiting for a universal solution to materialize later.

6. Make a movie. Decent digital videocameras cost less than $200, and less than $100 used. Software for adding background music and special effects is cheap, or free. Your movie doesn’t have to be great – in fact, it probably won’t be. But it will fire up some synapses that have been dormant or dedicated to worry, and it will be fun to see it on YouTube. Combine with No. 3 above, and you’ll discover the most profitable industry on the Internet.

[See how Wall Street continues to doom itself. http://www.usnews.com/blogs/flowchart/2009/1/30/how-wall-continues-to-doom-itself.html ]

7. Stop using clichés. Please, no more economic tsunamis or Ponzi schemes for awhile. Stop throwing out the baby, with or without the bathwater. Everybody knows the party’s over, so you don’t need to keep reminding us. Stop looking for the light at the end of the tunnel. And if you feel the audacity of hope or some variation, keep it to yourself. Mouthing clichés is a hard habit to break, because these well-known turns of phrase often express ideas in more vivid terms than most people can come up with on their own. But speak a little slower and give it a try. Maybe by the end of the recession, we’ll be a more eloquent nation. Bonus points go to anybody who can come up with fresh words to replace “bailout,” “stimulus,” and “shovel-ready.” (Send nominations to flowchart@usnews.com.)

[See why “Wall Street talent” is an oxymoron. http://www.usnews.com/blogs/flowchart/2009/1/28/let-the-wall-st-talent-walk.html]

8. Innovate. Come up with a better way of doing something. You don’t need a business plan or investors, just some keen observational powers and a bit of cleverness. Maybe there’s a better way to clean up after your dog. Or get your groceries home without using plastic bags. Or plan a week’s worth of school lunches for your kids. When you feel like you’ve actually done it, say so in your blog or just mention it to friends. Even if you don’t get paid for it, you’ll find it satisfying. And who knows, you might discover the kernel of a business idea.

9. Babysit for a working Mom. Everybody’s got it tough. They’ve got it tougher. Just an hour or two of extra childcare per week could ease a great deal of stress. Tell yourself you’re doing it for the children of the world. If you really want to be a saint, do it for a single working Mom.

[Read about one CEO who gets it. http://www.usnews.com/blogs/flowchart/2009/2/6/one-ceo-who-gets-it.html ]

10. Help fix capitalism. Spend your money smarter. Pay as you go. Ask a million dumb questions until you’re sure you understand what you’re getting into. Take intelligent risks, but ask yourself what could possibly go wrong – and have a plausible backup plan in case they do. Shame the deadbeats by outperforming and outmaneuvering them. Most of all, solve your own problems instead of hoping that somebody else will. Because there will never be a bailout big enough to cover everybody.

 

 

Coupons are like CASH!

Here is a list of online printable coupon sites. Coupons for free work outs, products, restaurants, and discounts from a menagerie of companies. Some charge a membership fee and some don’t. We included both so you can choose which works best for you.

http://www.wow-coupons.com/all-printable-retail-coupons.php

http://www.allprintablecoupons.com/

http://www.couponsurfer.com/

http://www.ppgazette.com/

http://www.kfc.com/coupons/

http://www.kroger.com/in_store/Pages/coupon_landing.aspx

http://print.coupons.com/CouponWeb/Offers.aspx?pid=13306&zid=iq37&nid=10

 

 

 


 

 

 

Here are some tips shared in the free e-book, “Cut Your Grocery Bill in Half” from CouponMom.com:

1. Know Your Top 10 Grocery Items.
What do you consume the most? For example, growing up our household always had milk, eggs, and bread on the shopping list. Make a list of the items you regularly consume. If you track just the prices of these specific items you can reap major savings. Make a list of your “top 10″. Then compare the prices, apples-to-apples and week-to-week, in the stores you shop.

2. Does Your Store “Double Coupon”?
Common sense says that the store brand is generally less expensive than the name brand. But, if your store doubles coupons a name brand item can end up costing less than the store brand. The secret is to track your top 10 items so you know first when the price is the lowest and second, if/when a coupon will be doubled.

3. How Is “Buy One, Get One Free” Calculated?
Ask your store manager how the “buy one, get one free” is calculated. Does one item ring up full price and the second item free? Or are both items rung in at half price? If the latter you can legitimately use two coupons for the purchase, thus saving more!

4. Can Coupons Be Electronically Delivered to Your Loyalty Card?
Some stores will automatically add coupons to your loyalty card so there is no need to cut them out of the paper, or remember to bring them with you! You can find out by going to the website of your favorite grocery store. If you use Upromise to save for college or pay off your student loans you can also link coupons electronically to your debit card.

5. Will the Store Email You Coupons or Weekly Circulars?

If you subscribe to several grocery “weeklies” you can quickly see who has the best prices for your Top 10 items. Sometimes stores will email you coupons you can print at home, too. Keep all your coupons in an organized folder.

6. Can You Join Specific Programs Like “Pet Care”?
Some stores will provide coupons for different shopper demographics. For example, new mothers can sometimes get emails for discounts on baby care items. Pet owners can get discounts based on the pets in a household.

7. Does Your Store Accept Competitors Coupons?
If so, it makes it a lot easier to choose which store to patronize. Choose the one with the best deals for you.

8. Are There Additional Loyalty Card Perks?
Will you get a money-off coupon if you spend a certain amount at their store? If so, know the threshold and factor that into your shopping decisions.

9. Can You Use Both “Store Coupons” and “Manufacturer’s Coupons” on the Same Item?

Some grocery stores allow you to double up. If so, you can use the coupon issued for the store AND a manufacturer’s coupon and double your savings. Buy when an item is already reduced and you’ve got greater savings.

10. Are There Coupon Limits for the Same Order?
Some stores impose a coupon limit for each visit. No problem. Just send your kid, friend, spouse, or partner through another line with the other items to take advantage of deep discounts. Consider splitting large bounties with the person who helped you buy at a discount.

Is that all? Hardly. There’s a reason some coupon clippers are self-described “fanatics”. Even casual coupon use can save you some money if you’re buying something you regularly use.

 

Surviving (and thriving) on $12,000 a year

http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/SurvivingAndThrivingOn12000AYear.aspx

Free Stuff You Actually Want!

http://food.yahoo.com/blog/foxyfestivities/14632/free-stuff-you-actually-want/

Fabulous Freebies!

http://content.kiplinger.com/tools/slideshows/slideshow_pop.html?nm=freebies_2008

We sincerely hope that you have found our guide to be informative, helpful and even entertaining! We have been able to save literally thousands of dollars following these tips and tricks and advice. You can too! This is a profound time in our US history. It is a time of struggle but can also be time to grow and become stronger, happier and more fulfilled in the process. We wish you all the best to not only survive but thrive these tough economic times. Please feel free to write to us with your experience using the guide or if you have additional tips and tricks that you have found to be successful and we will add them to our ever growing guide. info@economicsuvivalguide.org

   

Misc. Links to more Blogs and posts

Corruption, Fannie Mae, Foreclosure Fraud, MERS, Mortgage Fraud, bankruptcy, cdo, foreclosure, freddie mac, mortgage electronic registration system, securities fraud · Tagged with 4closurefraud, appeal foreclosure, assignment, bank fraud, bogus, bogus assignee, bogus assignments, brittany snow, cdo, cds, Christina Huang, clouded title, conspiracy, criminal, fis, foreclosure, Foreclosure Fraud, forgery, fraud, freddie mac, jessica ohde, kor, Korell Harp, LINDA GREEN, livinglies, lps, lps criminal investigation, MERS, mortgage electronic registration system, Mortgage Fraud, pat kingston, produce the note, recordings, Tywanna Thomas, wrongful foreclosure

About the Founder

Lynn Chase is a 10 year certified paralegal living at Ground Zero Las Vegas. In 2006, after selling a successful legal support company that Lynn owned and operated things were looking great. She owned a beautiful property with horses and views and it had been appraised at $850,000.00 in JULY of 2007. Prices clearly had already begun dropping, but the appraisal on her property actually had gone up from when she refinanced in December of 2006. She only refinanced because she had nothing but dirt in the back yard and wanted to build horse facilities and put in a pool, as she thought she would be improving the property and would still have nearly half a million in equity. This was not being financially reckless if the information she had been given by the bank had been accurate, and if they had disclosed the true nature of the deal they were making her a part of, her decisions would definitely have been different. As of Oct. 2, 2010 the home is currently worth $270,000.00 She was planning on selling the property after selling her business in 2006, however due to illness in the family that was postponed. Then the purchaser of her business defaulted and filed bankruptcy. His only asset was underwater. Next, following the death of a family member, came unemployment by her husband. They had saved for such a rainy day and no payment was ever missed to any creditor for over a year, but then the money ran out. When the realization came the income was not there anymore and may not be there for some time or ever, she began calling the banks before she missed any payments, She soon discovered that there was no hope and no help as the system is not set up to offer any real help to anyone that has been formerly a productive citizen, paying taxes, abiding by the rules, being conservative with investments, not carrying too much debt. Lately she likes to say half jokingly, “If I had known then, what I know now, I would have just been down at the casinos betting my money! Probably would have been safer and a lot more fun!” After trying all the government sponsored programs to “save your home” and not finding success she bewilderedly began researching why and how this could have happened. She did not get a subprime loan or no money down. She worked hard, contributed to charity, and was a good person. How did this happen? Well she found out, and with the help of thousands of Americans across the country she founded the Official ‘US Economic Crisis’ Survival Guide Center and built the website, and created this guide.

She knew one of her ancestors was Solomon P. Chase who was one of the people that signed the Declaration of Independence, but in her research she soon discovered that he was also one of the people that pushed to pass the National Banking Act 1863 Act- (ch. 58, 12 Stat. 665, February 25, 1863). “My agency in promoting the passage of the

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Economic Survival Guide

 


 

Welcome to the ‘Official US Economic Crisis’ Survival Guide.

Introduction

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

-Lynn Chase

Founder of the Economic Survival Guide Center

Please help support our research and website by donating Yes I want to Donate!

 

 

 

 

 

 

 

Table of Contents (click on the link for section you wish to view it will jump to that section)


  1. Government Sponsored Programs to supposedly “Save Your Home From Foreclosure”.

  2. Past the “BS” – What is MERS?

  3. Calculators

  4. Economics

  5. Foreclosure defense

  6. Glossaries

  7. Blogs and Blurbs

    *January 2011 Update on latest housing scam info
  8. Waking up to discover mortgage business was one giant criminal enterprise
  9. Foreclosuregate

  10. Foreclosure Fraud Propped up MBS
  11. Credit Default Swaps 101
  12. File a Complaint with the FBI

  13. Guide to Looking up public records

  14. Indy Mac Notice of Sale Problem

  15. Video Section- Why and How did this happen?
  16. Money As Debt
  17. Debunking the Dollar

  18. Who Killed Glass-Steagall?

  19. Bankruptcy Reform and Consumer Protection Act of 2005

  20. I Am An Attorney So I Sued My Lender

  21. More About MERS

  22. Bogus Assignments

  23. Florida’s proposed “fake” Consumer Protection Act

  24. Foreclosure Fraud Links

  25. Foreclosure Fraud Resources

  26. Foreclosure Fraud on Twitter

  27. Letter from Congress to Fannie Mae
  28. Letter to the Nevada Attorney General Catherine Masto, Esq.

  29. Letter to The State Dept. of Business and Industry


  30. Foreclosure horror stories slide show

  31. The Foreclosure Fiasco and Wall Streets Shrug

  32. The Foreclosure Fiasco Leads to Washington

  33. Countrywide Documents May Spell Doom for Bank of America

  34. Are You Mad Yet?
  35. You are Owned By The House of Rothschild

  36. How Much Are You Worth?
  37. Supreme Court Cases argued and decided Book 20

  38. The History of Money
  39. US Financial Information and SO MUCH MORE MUST SEE LINK
  40. Welcome to The United States of Austerity

  41. Trailer to new film ‘Inside Job’ coming soon
  42. Who Owns The Media?

  43. Survival for the Unemployed
  44. Tips to lower your spend & increase cash flow

  45. 10 ways to survive without a bailout!

  46. Coupons Are Like Cash

  47. Free Stuff
  48.  

     

     

    SAVE YOUR HOME FROM FORECLOSURE

(Economic Survival Guide Center is not responsible for submitted content and does not provide legal advice. Please consult with a licensed attorney well-educated in the area of Mortgage Servicing Fraud.)

We have gathered websites and contacts in one place to assist you if you are one of the many unfortunate homeowners facing foreclosure or are upside down in your mortgages. Learn the truth about the banking industry and lending practices and what you can do to legally protect your home. This is not to take the place of consulting with an attorney which we recommend. However hiring an attorney is no excuse not to learn about the mortgage products and to educate yourself enough to know what questions to ask once you decide to take matters into your own hands and “mind you own business”. No one cares about your situation more than you do. Don’t simply rely on others to do the work for you. You need to be educated in order to determine if you are getting a fair shake or being ripped off blind. If you take nothing else from this guide, take that one piece of advice and apply it to everything! Your healthcare, your finances, your taxes, your relationships, your happiness, your life!

We will begin with Traditional & Gov. sponsored Save Your Home Resources: (Editorial Note: I had zero success with any of these and I tried them all. So if you don’t want to bother simply skip past these to where the juicy information is)

Here is the usual help offered to consumers. Might be worth a try but it reads as if the banks are actually trying to work with the homeowners to modify the loans which they do not appear to be doing. Some of the suggestions below include: Be prepared to change your spending habits. So you should suffer and do without basic necessities so that you can make a mortgage payment on a house that is so upside down it will take 10 years to get back to 0% equity and by the time (if ever) it gets to where you have some equity the dollar will have lost so much value it won’t be worth the paper it is printed on! We include this only as a way to educate you on the “help” (fake help) that the government has set up.

The Federal Housing Administration, part of the U.S. Department of Housing and Urban Development, offers educational resources for borrowers about how to avoid foreclosure. http://portal.hud.gov/portal/page?_pageid=73,1&_dad=portal&_schema=PORTAL

Online Foreclosure Prevention Resource Center

12 Things You Should Know When You Call Your Lender

  1. Contact your servicer immediately if you are unable to make your mortgage payments. (Your servicer is the company that sends you statements and the people you make your payments to.) Even if you are already delinquent or in foreclosure, your servicer may be able to help you with a solution. Don’t delay.

    2. Ask your servicer about alternatives to foreclosure, including repayment plans, postponements of regular payments (called a forbearance), and other “work-out” options. Visit our Glossary of Foreclosure Terms for more information on these terms.
    Remember: Work-out options are tailored to fit your individual situation, but you must qualify for

  2. the plan being considered.

    3. Provide any information requested by your servicer quickly to avoid further foreclosure action – don’t wait until the last minute. Servicers must evaluate each borrower’s circumstances on a case-by-case basis and go through an approval process to arrange work-out plans. This can take time, so it’s important you act immediately to be in touch and promptly provide any information the servicer requests.

    4. Be prepared to provide detailed financial information to assist your servicer in qualifying you for a potential work-out option. Be honest about your circumstances and personal finances – it will help lead to the work-out option that best fits your situation.

    5. Be ready to change your spending habits. By creating a workable budget and understanding where your money is going, you are more likely to be successful in a work-out plan.

    6. If you need additional assistance or are uncomfortable calling your servicer, request financial counseling from a reputable third party first. For the U.S. Department of Housing and Urban Development’s (HUD) list of approved counselors call (800) 569-4287. For free counseling from NeighborWorks America and the Homeownership Preservation Foundation, call (888) 995-HOPE or visit http://995hope.org/.

    7. Be sure you open all mail from your servicer or your servicer’s law firm and return calls promptly. Failure to respond quickly may result in further foreclosure actions and additional costs.

    8. Ask the critical questions: (Editorial Note: You can ask, but remember if the banks lips are moving chances are they are LYING.)

  3. What is the anticipated timeline to complete a work-out?
  4. Will the foreclosure sale be postponed while your servicer reviews the work-out option?
  5. What are your obligations under the work-out arrangement: due dates, amounts due, how long your servicer will postpone collection of payments, if applicable, and when such deferred payments must be paid back?

9. If you are not making payments into an escrow account for real estate taxes and insurance, your servicer will likely require that you begin doing that and will work with you to recover any payments already made on your behalf. You can usually save money and get better coverage if you obtain your own homeowner’s hazard insurance policy instead of having your servicer arrange coverage for you.

10. Stay in contact with your servicer and/or counselor at all times. Notify your servicer and counselor of any change in your circumstances, including new employment or problems with making payments under a work-out plan.

11. Be realistic about your own financial condition. If you cannot afford to keep your property, consider selling it to get your equity out, or talk to your servicer about other options to give up your property.

12. Understand that the servicer is trying to ensure a positive result for you. Be cooperative, honest and keep your promises on any work-out arrangement.

Credit Counseling


If you think you need counseling to improve your financial management skills and your credit, you may want to consult the National Foundation for Credit Counseling (NFCC). This organization offers an online service called
Debt Advice that provides basic information to help consumers understand how to use credit wisely and how to find a certified counselor if needed.

Housing counseling agencies also are funded by the U.S. Department of Housing and Urban Development (HUD) and are located nationwide. These organizations can provide advice on renting or purchasing a home, credit issues, reverse mortgages, defaults and foreclosures. For assistance, you can contact the nearest agency by calling 1-800-569-4287 or visiting the HUD Web site.

The NFCC is an organization of credit counseling agencies that promotes quality credit counseling, debt reduction services and education in managing personal finances. It sets standards for agency accreditation, counselor certification and policies that ensure free or low-cost confidential services. NFCC member offices can be reached toll-free at 1-800-388-2227.

If you seek help from a consumer credit counseling agency that is not recommended by HUD or NFCC, beware. Some agencies say they are non-profit but charge high fees and make promises they cannot keep. Any company that makes these or similar statements is unreliable:

  • We can remove your debt
  • Pay us and we’ll pay your bills
  • Pay us a percentage of the bills we get rid of
  • No company sues over unpaid bills
  • We can get bad credit taken off your credit history
  • Use our system and you’ll avoid bankruptcy
  • Don’t talk to your creditors any more

If you hear any of those statements, steer clear of the company. You can check out a consumer counselor by contacting your state attorney general. The Federal Trade Commission (FTC) also has information on credit counseling agencies. Another helpful site is sponsored by the National Consumers League .

CNN Money offers an online budget calculator that enables you to compare your spending to others with similar characteristics. The Myvesta Foundation also provides useful information. Another interesting resource is this article in MSN Money. Meanwhile try to

  • Make sure all your payments are made on time
  • If possible, pay more than the minimum due to reduce your balances faster
  • Try not to charge more on your credit cards unless you have an emergency situation
  • Open a savings account and make a habit of depositing something each month — any amount would be beneficial and will add up faster than you think!

Remember, you can get all three of your credit reports from all three national reporting agencies FOR FREE once a year at http://www.annualcreditreport.com. However they do charge if you want to know your FICO score.

Financial Resources Click here for Government Aid

Tips to Improving Your Credit Rating

While we think having credit can only lead to debt and slavery we do acknowledge it is useful at times. So, here are some things you can do to improve a low credit rating:

Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score. Be aware that paying off a collection account will not remove it from your credit report. It will stay on your report for seven years.

Keep balances low on credit cards and other “revolving credit”; high outstanding debt can affect a score. The most effective way to improve your score in this area is by paying down your revolving credit, not closing accounts and spreading debt among fewer accounts. Owing the same amount but having fewer open accounts may lower your score; however splitting moderate debt between two cards instead of piling it on one card can sometimes be a good strategy.

Don’t close unused credit cards as a short-term strategy to raise your score, and don’t open a number of new credit cards that you don’t need, just to try to increase your available credit. This approach could backfire and lower your score.

A limited credit history can have a negative effect. Someone with no credit cards tends to appear as a higher risk than someone who has managed credit cards responsibly. If you don’t have a credit history, consider opening an account at a bank and using it responsibly, making the monthly payments as required, but don’t open a lot of new accounts too quickly. New accounts will lower your average account age, which will have a larger effect on your score if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

Apply for and open new credit accounts only as needed. Don’t open accounts just to have a better credit mix – it won’t raise your score. In general, having credit cards and installment loans (and paying timely payments) will raise your score. Note that closing an account doesn’t make it go away. A closed account will still show up on your credit report and may show the payment history, although it will be noted as closed and paid.

Do your rate shopping for a single loan within a focused period of time. FICO scores distinguish between a search for a single loan and a search for many new credit lines in part by the length of time over which inquiries occur. Note that it’s OK to request and check your own credit report. This won’t affect your score as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.

If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor. This won’t improve your score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time. Re-establish your credit history if you have had problems. Opening new accounts responsibly and paying them off on time will raise your score in the long term.

On average, lenders like to see three to four open accounts — a combination of charge cards, auto loans, etc. Limit department store cards and other store cards and finance company loans as those may lower your rating.


Let’s dig into some real help and real information and learn how we got here and more importantly what we can do to make the most out of our predicament we find ourselves in. Our equity is wiped out on our homes, many flat or deep under water. Retirement savings wiped out, unemployed, businesses going under, etc. etc. Finally a glimmer of hope! Some people have been successful in winning their homes “Free and Clear” with this information. However, depending on your individual circumstance your results will vary. I personally know several people that have been able to avoid foreclosure using the legal system for over a year without make payments and might I add, are still doing so. So, you may end up having to turn your house over but at the very least perhaps you can live rent free and save up and recoup a tiny portion of what you lost with your “investment” into a Wallstreet ponzi scheme that you never knew you were a major party to! Or that your “biggest investment an American can make in their lifetime” was no longer the safe, long term conservative investment it was sold as. Okay I do tend to go on and on when it comes to how the banks have taken over our country and did this to us intentionally and on purpose! You will see for yourselves. Click on!

MERS- What is MERS?

MERS stands for Mortgage Electronic Registration System and it was founded by Wells Fargo Corp. It is a bank owned business. They created a subsidiary corporations of MERS Corp called MERS. It is a small company with approximately 30 employees in Delaware. MERS is vehicle by which the banks i.e. commercial banks, holding banks, insurers, and underwriters, could securitize the loan, hide the sale of the note behind MERS and use MERS as a “straw man” to stand in for the true owner of the rights on the Note. Here is the MERS website. Here you can look up your loan and see who is the servicer of your loan. You will want to come back to this link after you learn more about the process and how it destroyed the housing market purposefully and intentionally so that the wealth would be transferred from the middle class to the wealthy.

http://www.mersinc.org

A Survey of Cases Discussing MERS’ Authority to Act.  (Hon. William L. Norton, Jr., U. S. BK Judge – 8/2010)  http://www.msfraud.org/LAW/lawarticles/lawarticles.html

This actual court record from Nevada in the link below explains the fraud quite clearly.

http://www.scribd.com/doc/28186623/MERS-Litigation-Example-01

These are great Information resources for the latest developments on the fight against the banks rights to foreclose and how to defend your homes against the banks and why you are right to do so.

http://www.msfraud.org

http://livinglies.wordpress.com/

http://insidedateline.msnbc.msn.com/archive/2008/12/18/1720808.aspx

 

 

MORE RESOURCES BLOGS

 

CALCULATORS

This is the most recent news regarding the fraud in the housing market and what is means to anyone that purchased a home in the last 10 years. Especially if you are currently facing foreclosure or have lost your home in foreclosure you must read the article below.

Saturday, January 1, 2011

January 1 2011: US Housing: The Story of 2011


 

 

 

  • Great Blog describing what is happening with the housing bubble and why, tons of great articles! I love this blog. I have learned so much from it. This centers around the real estate bubble in California but the techniques being used by the banks with respect to the properties in not unique to California. I know you will love this blog.

  • http://www.doctorhousingbubble.com

 

Some of the methods for staying in your home as long as possible without a payment or even possibly winning your home free and clear, involve filing Bankruptcy. Until criminal charges are brought against the Banksters for the fraud they committed on investors and borrowers, and it is proven that these servicers that are foreclosing in the majority of cases do not have any right to do so, this seems to be the only option to fight for your home in non judicial states like the one I live in. If you live in a judicial state, the banks have to file a suit to have the court grant them the right to foreclose, so a borrower can then file a Motion for the Plaintiff to offer proof that they have the right to do so and the real party of interest and/or that they were assigned that right by a real party of interest. Also, that the assignments are fully executed with correct dates and Notarized and filed correctly. However in a non judicial state, the homeowner does not have that opportunity. The banks file their phone assignments with the county recorder and proceed to steal your house. If the homeowner brings suit against the banks then the burden of proof is on the homeowner as Plaintiff to provide proof that the bank does not have interest in your home or that they have already been paid and have no interest anymore, or to whom they sold the Note to, or any way of proving what is hidden behind the bank owned MERS. Hence when it has been tried, the homeowner loses. In Bankruptcy courts homeowners are having some success in non judicial states because when they file bankruptcy it puts an automatic “Stay” from foreclosure. The banks then typically will file a “life-stay” Motion. It is at this time that the homeowners has an opportunity to Oppose the Motion and request they prove up their right as a real party of interest. This si not the same as “Produce the Note” you may have already heard about. Although I would certainly include it in my Motion. An original Note will have endorsements on it. A phony copy will not. This is because in the securitization process the Note is sold, several times, in the true sense of the word and just like endorsing a check over to someone, that is what happened when the Note was sold. So how can you still owe the original lender if they sold it? Ah Ha! Now you’re thinking…… read on , this is just the tip of the iceberg. We kept peeling back this onion till we realized we had been living in The Matrix. Like George Carlin said ” It’s all bullshit & it’s all bad for ya”

http://www.bankruptcylawnetwork.com

http://www.bankruptcylawnetwork.com/2009/10/18/key-massachusetts-land-court-foreclosure-case/

http://www.bankruptcylawnetwork.com/2009/10/16/modifying-co-signed-secured-debt-in-chapter-13-be-careful /

Matt Taibbi

 

Sep. 22 2009 –

Waking up to discover the mortgage market was a giant criminal enterprise

A landmark ruling in a recent Kansas Supreme Court case may have given millions of distressed homeowners the legal wedge they need to avoid foreclosure. In Landmark National Bank v. Kesler, 2009 Kan. LEXIS 834, the Kansas Supreme Court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. MERS is an acronym for Mortgage Electronic Registration Systems, a private company that registers mortgages electronically and tracks changes in ownership. The significance of the holding is that if MERS has no standing to foreclose, then nobody has standing to foreclose – on 60 million mortgages. That is the number of American mortgages currently reported to be held by MERS. Over half of all new U.S. residential mortgage loans are registered with MERS and recorded in its name. Holdings of the Kansas Supreme Court are not binding on the rest of the country, but they are dicta of which other courts take note; and the reasoning behind the decision is sound.

via Landmark Decision: Massive Relief for Homeowners and Trouble for the Banks.

This is a potentially gigantic story. It seems that a court has ruled that about half of the mortgage market has been run as a criminal enterprise for years, which would invalidate any potential foreclosure proceedings for about, oh, 62 million mortgages. The court ruled that the electronic transfer system used by the private company MERS — a clearing system for mortgages, similar to a depository, that is used for about half the mortgage market — is fundamentally unreliable, and any mortgage sold and/or transferred through MERS can’t be foreclosed upon, at least not in Kansas.

Coincidentally I’d been working on something related to this all day yesterday. All over the country, lawyers are contesting foreclosures because of similar chain-of-custody issues. I have some material about this coming out in my next Rolling Stone story, so I can’t get into this too much, but suffice to say the lenders and the banks were extremely sloppy about their paperwork (at best — there is a fraud angle as well) and jammed up the system with missing and/or mismarked mortgage notes. Since a sale isn’t legal unless there’s full transfer of the physical note, a lot of the sales of mortgage-backed securities were not entirely legal, since the actual notes were often not transferred.

Nothing like waking up in the morning and finding out a whole sector of the economy is completely screwed. Are these good times or what?

Although this particular case pertains to MERS, non-MERS mortgages were often even worse.

Below is a flow chart of the securitization process using MERS. It is clear that the original pretender lender has already been paid on the Note they sold.



 

COMMENTS

  1. Equity Free says:

    November 24, 2010 at 8:08 PM

    As we speak the banksters are trying to take the teeth out of the Dodd- Frank financial reform bill .
    NWC Objects to Proposed Rules After SEC Admits the Rules Will Result in “Forgone Opportunities for Effective Enforcement”

    Washington, D.C. November 22, 2010. Today, the National Whistleblowers Center (NWC) voiced its strong opposition to Proposed Rules submitted by the Securities and Exchange Commission implementing the whistleblower provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act.

    In a letter to the SEC Chairman released today, the NWC disclosed that buried in its 181-page rule making document, the Commission staff was forced to admit that its rules, if approved, would actually undermine protections for whistleblowers and cause employees to withhold important information about securities violations from the SEC.

    * “cause those persons not to come forward with information in their possession about securities law violations.” Proposed Rule, p. 118;

    * “result in . . . forgone opportunities for effective enforcement action.” Proposed Rule, p. 118.

    In addition to these substantive impediments, the Commission also acknowledged that its proposed procedures for filing a claim will be “burdensome and confusing” for many whistleblowers. Proposed Rule, p. 116.
    “The Commission is cooking the goose that can lay the golden egg. Under their proposal, fraud will go undetected for years and investors will lose untold billions of dollars,” said Stephen M. Kohn, Executive Director of the National Whistleblowers Center. “The same Commission that repeatedly failed to investigate whistleblower concerns over Bernie Madoff’s Ponzi scheme is now poised to implement rules that will ensure that future Madoff’s will go undetected,” added Kohn.
    The NWC also filed today a detailed Freedom of Information Act request seeking full public disclosure of all corporate lobbying related to the whistleblower provision: “We need to get to the bottom of why the SEC has gutted critical oversight and accountability provisions of Dodd-Frank. The public deserves to know how lobbyists corrupted the process designed to prevent the next financial meltdown,” added Lindsey M. Williams, the Director of Advocacy and Development of the NWC.
    Links:
    NWC Letter to the Chairman of the SEC (November 22, 2010)

    Reply

  2. November 24, 2010 at 3:15 PM

    Here are some that will entertain everyone, Please read, and find out what we are dealing with…

    1- http://www.chicagotribune.com/business/problemsolver/ct-biz-1123-problem-shepard-20101123,0,1384207.column

    2- http://www.denverpost.com/business/ci_16601567

    3- http://www.ajc.com/business/foreclosures-came-out-of-699191.html

    4- http://www.propublica.org/article/homeowner-questionnaire-shows-banks-violating-govt-program-rules

    5 – http://www.courthousenews.com/2010/04/05/26130.htm

    6- http://www.courthousenews.com/2010/11/01/31512.htm

    7- http://www.federalreserve.gov/newsevents/speech/raskin20101112a.htm

    8- http://www.americanbanker.com/issues/175_216/ties-to-insurers-servicers-in-trouble-1028474-1.html

    9- http://www.americanbanker.com/issues/175_216/ties-to-insurers-servicers-in-trouble-1028474-1.html

    10- http://www.propublica.org/article/disorganization-at-banks-causing-mistaken-foreclosures-050410

    11- http://www.propublica.org/article/disorganization-at-banks-causing-mistaken-foreclosures-050410

    12- http://www.creditslips.org/creditslips/2010/11/erroneous-foreclosures.html

    13- http://www.bizjournals.com/jacksonville/stories/2009/11/23/story2.html

    And it goes on and on and on……

 

Foreclosuregate: Time to Break Up the Too-Big-to-Fail Banks

|  by: Ellen Brown October 15, 2010


Ellen Brown

Looming losses from the mortgage scandal dubbed “foreclosuregate” may qualify as the sort of systemic risk that, under the new financial reform bill, warrants the breakup of the too-big-to-fail banks. The Kanjorski amendment allows federal regulators to pre-emptively break up large financial institutions that — for any reason — pose a threat to US financial or economic stability.

Although downplayed by most media accounts and popular financial analysts, crippling bank losses from foreclosure flaws appear to be imminent and unavoidable. The defects prompting the “RoboSigning Scandal” are not mere technicalities but are inherent to the securitization process. They cannot be cured. This deep-seated fraud is already explicitly outlined in publicly available lawsuits.

There is, however, no need to panic, no need for TARP II, and no need for legislation to further conceal the fraud and push the inevitable failure of the too-big-to-fail banks into the future.

Federal regulators now have the tools to take control and set things right. The Wall Street giants escaped the Volcker Rule, which would have limited their size, and the Brown-Kaufman amendment, which would have broken up the largest six banks outright; but the financial reform bill has us covered. The Kanjorski amendment — which slipped past lobbyists largely unnoticed — allows federal regulators to preemptively break up large financial institutions that pose a threat to US financial or economic stability.

Rep. Grayson’s Call for a Moratorium

The new Financial Stability Oversight Council (FSOC) probably didn’t expect to have its authority called on quite so soon, but Rep. Alan Grayson (D-FL) has just put the amendment to the test. On October 7, in a letter addressed to Timothy Geithner, Shiela Bair, Ben Bernanke, Mary Schapiro, John Walsh (Acting Comptroller of the Currency), Gary Gensler, Ed DeMarco, and Debbie Matz (National Credit Union Administration), he asked for an emergency task force on foreclosure fraud. He said:

The liability here for the major banks is potentially enormous, and can lead to a systemic risk. Fortunately, the Dodd-Frank financial reform legislation includes a resolution process for these banks. More importantly, these foreclosures are devastating neighborhoods, families, and cities all over the country. Each foreclosure costs tens of thousands of dollars to a municipality, lowers property values, and makes bank failures more likely.

Grayson sought a foreclosure moratorium on all mortgages originated and securitized between 2005-2008, until such time as the FSOC task force was able to understand and mitigate the systemic risk posed by the foreclosure fraud crisis. But on Sunday, White House adviser David Axelrod downplayed the need for a national foreclosure moratorium, saying the Administration was pressing lenders to accelerate their reviews of foreclosures to determine which ones have flawed documentation. “Our hope is this moves rapidly and that this gets unwound very, very quickly,” he said.

According to Brian Moynihan, chief executive of Bank of America (BAC), “The amount of work required is a matter of a few weeks. A few weeks we’ll be through the process of double checking the pieces of paper we need to double check.”

“Absurd,” say critics such as Max Gardner III of Shelby, North Carolina. Gardner is considered one of the country’s top consumer bankruptcy attorneys. “This is not an oops. This is not a technical problem. This is not even sloppiness,” he says. The problem is endemic, and its effects will be felt for years.

Rep. Grayson makes similar allegations. He writes:

The banks didn’t keep good records, and there is good reason to believe in many if not virtually all cases during this period, failed to transfer the notes, which is the borrower IOUs in accordance with the requirements of their own pooling and servicing agreements. As a result, the notes may be put out of eligibility for the trust under New York law, which governs these securitizations. Potential cures for the note may, according to certain legal experts, be contrary to IRS rules governing REMICs. As a result, loan servicers and trusts simply lack standing to foreclose. The remedy has been foreclosure fraud, including the widespread fabrication of documents.

There are now trillions of dollars of securitizations of these loans in the hands of investors. The trusts holding these loans are in a legal gray area, as the mortgage titles were never officially transferred to the trusts. The result of this is foreclosure fraud on a massive scale, including foreclosures on people without mortgages or who are on time with their payments. [Emphasis added.]

Why Wasn’t It Done Right in the First Place?

That raises the question, why were the notes not assigned? Grayson says the banks were not interested in repayment; they were just churning loans as fast as they could in order to generate fees. Financial blogger Karl Denninger says:

I believe a big part of why it was not done is that if it had been done the original paperwork would have been available to the trustee and ultimately the MBS owners, who would have immediately discovered that the representations and warranties as to the quality of the conveyed paper were being wantonly violated.

You can’t audit what you don’t have.

Both are probably right, yet these explanations seem insufficient. If it were just a matter of negligence or covering up dubious collateral, surely some of the assignments by some of the banks would have been done properly. Why would they all be defective?

The reason the mortgage notes were never assigned may be that there was no party legally capable of accepting the assignments. Securitization was originally set up as a tax dodge; and to qualify for the tax exemption, the conduits between the original lender and the investors could own nothing. The conduits are “special purpose vehicles” set up by the banks, a form of Mortgage Backed Security called REMICs (Real Estate Mortgage Investment Conduits). They hold commercial and residential mortgages in trust for the investors. They don’t own them; they are just trustees.

The problem was nailed in a class action lawsuit recently filed in Kentucky, titled Foster v. MERS, GMAC, et al. (USDC, Western District of Kentucky). The suit claims that MERS and the banks violated the Racketeer Influenced and Corrupt Organizations Act, a law originally passed to pursue organized crime. Bloomberg quotes Heather Boone McKeever, a Lexington, Ky.-based lawyer for the homeowners, who said in a phone interview:

RICO comes in because the fraud didn’t just happen piecemeal. This is organized crime by people in suits, but it is still organized crime. They created a very thorough plan.

The complaint alleges:

53. The “Trusts” coming to Court are actually Mortgage Backed Securities (“MBS”). The Servicers, like GMAC, are merely administrative entities which collect the mortgage payments and escrow funds. The MBS have signed themselves up under oath with the Securities and Exchange Commission (“SEC,”) and the Internal Revenue Service (“IRS,”) as mortgage asset “pass through” entities wherein they can never own the mortgage loan assets in the MBS. This allows them to qualify as a Real Estate Mortgage Investment Conduit (“REMIC”) rather than an ordinary Real Estate Investment Trust (“REIT”). As long as the MBS is a qualified REMIC, no income tax will be charged to the MBS. For purposes of this action, “Trust” and MBS are interchangeable. . . .

56. REMICS were newly invented in 1987 as a tax avoidance measure by Investment Banks. To file as a REMIC, and in order to avoid one hundred percent (100%) taxation by the IRS and the Kentucky Revenue Cabinet, an MBS REMIC could not engage in any prohibited action. The “Trustee” can not own the assets of the REMIC. A REMIC Trustee could never claim it owned a mortgage loan. Hence, it can never be the owner of a mortgage loan.

57. Additionally, and important to the issues presented with this particular action, is the fact that in order to keep its tax status and to fund the “Trust” and legally collect money from investors, who bought into the REMIC, the “Trustee” or the more properly named, Custodian of the REMIC, had to have possession of ALL the original blue ink Promissory Notes and original allonges and assignments of the Notes, showing a complete paper chain of title.

58. Most importantly for this action, the “Trustee”/Custodian MUST have the mortgages recorded in the investors name as the beneficiaries of a MBS in the year the MBS “closed.” [Emphasis added.]

Only the beneficiaries — the investors who advanced the funds — can claim ownership. And the mortgages had to have been recorded in the name of the beneficiaries the year the MBS closed. The problem is, who ARE the beneficiaries who advanced the funds? In the securitization market, they come and go. Properties get sold and resold daily. They can be sliced up and sold to multiple investors at the same time. Which investors could be said to have put up the money for a particular home that goes into foreclosure? MBS are divided into “tranches” according to level of risk, typically from AAA to BBB. The BBB investors take the first losses, on up to the AAAs. But when the REMIC is set up, no one knows which homes will default first. The losses are taken collectively by the pool as they hit; the BBBs simply don’t get paid. But the “pool” is the trust; and to qualify as a REMIC trust, it can own nothing.

The lenders were trying to have it both ways; and to conceal what was going on, they dropped an electronic curtain over their sleight of hand, called Mortgage Electronic Registration Systems or “MERS.” MERS is simply an electronic data base. On its website and in assorted court pleadings, it too declares that it owns nothing. It was set up that way so that it would be “bankruptcy-remote,” something required by the credit rating agencies in order to turn the mortgages passing through it into highly rated securities that could be sold to investors. According to the MERS website, it was also set up that way to save on recording fees, which means dodging state statutes requiring a fee to be paid to establish a formal record each time title changes hands.

The arrangement satisfied the ratings agencies, but it has not satisfied the courts. Real estate law dating back hundreds of years requires that to foreclose on real property, the foreclosing party must produce signed documentation establishing a chain of title to the property; and that has not been done. Increasingly, judges are holding that if MERS owns nothing, it cannot foreclose, and it cannot convey title by assignment so that the trustee for the investors can foreclose. MERS breaks the chain of title so that no one has standing to foreclose.

Sixty-two million mortgages are now held in the name of MERS, a ploy that the banks have realized won’t work; so Plan B has been to try to fabricate documents to cure the defect. Enter the RoboSigners, a small group of people signing thousands of documents a month, admittedly without knowing what was in them. Interestingly, it wasn’t just one bank engaging in this pattern of coverup and fraud but many banks, suggesting the sort of “organized crime” that would qualify under the RICO statute.

However, that ploy won’t work either, because it’s too late to assign properties to trusts that have already been set up without violating the tax code for REMICs, and the trusts themselves aren’t allowed to own anything under the tax code. If the trusts violate the tax laws, the banks setting them up will owe millions of dollars in back taxes. Whether the banks are out the real estate or the taxes, they could well be looking at insolvency, posing the sort of serious systemic risk that would bring them under the purview of the new Financial Stability Oversight Council.

No need for disaster

As comedian Jon Stewart said in an insightful segment called “Foreclosure Crisis” on October 7, “We’re back to square one.” While we’re working it all out, an extended foreclosure moratorium probably is in the works. But this needn’t be the economic disaster that some are predicting – not if the FSOC is allowed to do its job. We’ve been here before, and not just in 2008.

In 1934, Congress enacted the Frazier–Lemke Farm Bankruptcy Act to enable the nation’s debt-ridden farmers to scale down their mortgages. The act delayed foreclosure of a bankrupt farmer’s property for five years, during which time the farmer made rental payments. The farmer could then buy back the property at its currently appraised value over six years at 1 percent interest, or remain in possession as a paying tenant. Interestingly, according to Marian McKenna in Franklin Roosevelt and the Great Constitutional War (2002), “The federal government was empowered to buy up farm mortgages and issue non-interest-bearing treasury notes in exchange.” Non-interest-bearing treasury notes are what President Lincoln issued during the Civil War, when they were called “Greenbacks.”

The 1934 Act was subsequently challenged by secured creditors as violating the Fifth Amendment’s due process guarantee of just compensation, a fundamental right of mortgage holders. (Note that this would probably not be a valid challenge today, since there don’t seem to be legitimate mortgage holders in these securitization cases. There are just investors with unsecured claims for relief in equity for money damages.) The Supreme Court voided the 1934 Act, and Congress responded with the “Farm Mortgage Moratorium Act” in 1935. The terms were modified, limiting the moratorium to a three-year period, and the revision gave secured creditors the opportunity to force a public sale, with the proviso that the farmer could redeem the property by paying the sale amount. The act was renewed four times until 1949, when it expired. During the 15 years the act was in place, farm prices stabilized and the economy took off, retooling it for its role as a global industrial power during the remainder of the century.

We’ve come full circle again. We didn’t get it right in 2008, but with the newly empowered Financial Stability Oversight Council, we already have the ready-made vehicle to avoid another taxpayer bailout, and to put too-big-to-fail behind us as well.

FORECLOSURE FRAUD PROPPED UP MBS (MORTGAGE BACKS SECURITIES) AND PROTECTED BANKS THAT ISSUED THEM

 

Credit Default Swaps 101

The Real Reason for the Global Financial Crisis…the Story No One’s Talking About

By Shah Gilani
Contributing Editor

Are you shell-shocked? Are you wondering what’s really going on in the market? The truth is probably more frightening than even your worst fears. And yet, you won’t hear about it anywhere else because “they” can’t tell you. “They” are the U.S. Federal Reserve and the U.S. Treasury Department, and they can’t tell you what’s really going on because there’s nothing they can do about it, except what they’ve been trying to do – add liquidity.

At the exchange rate yesterday (Wednesday), 35 trillion British Pounds was equivalent to U.S. $62 trillion (hence, the 35 trillion Pound gorilla). According to the International Swaps and Derivatives Association, $62 trillion is the notional value of credit default swaps (CDS) out there, somewhere, in the market.

This isn’t the first time Money Morning has warned readers about the dangers of credit default swaps. And it won’t be the last.

The Genesis of a Derivative Boom

In the mid-1980s, upon arriving in New York from Chicago with an extensive background trading options and futures (the original derivatives), I was offered a job at what was then Citicorp [today’s Citigroup Inc. (C)]. The offer was for an entry-level post in the bank’s brand new OTC (over-the-counter, meaning not exchange traded) swaps and derivatives group. When I asked what the economic purpose of swaps was, the answer came back: “To make money for the bank.”

 

 

The following links will offer tons of information on varying tactics if you are facing foreclosure other than filing BK.

FILE A COMPLAINT WITH THE FBI

Foreclosure Fraud – Guide to Looking up Public Records for Fraud

http://mortgage-home-loan-bank-fraud.com/

http://mortgage-home-loan-bank-fraud.com/report.html

http://iamfacingforeclosure.com/blog/2009/09/24/the-trouble-with-mers/

 

 

 

Indymac Notice of Sale Problem:


As everyone who has a loan owned or serviced by Indymac knows, the bank has had a long, troubled history. When the bank failed to meet FDIC guidelines, the government agency was forced to take over to ensure that the bank did not fail completely, which could have cost depositors all of their money. In early January, the FDIC then decided to sell off the mortgage-backed securities portfolio to a company comprised of a group of strong investment companies called IMB Management Holdings, LP. Indymac has now become One West Bank. The basic terms of the purchase allowed IMB to purchase the $16 Billion dollar portfolio for $13.9 billion. IMB also received $7 Billion in other securities and 33 branches making the acquisition terms very favorable for IMB.

The sale of the portfolio is now complete which puts homeowners, who were hoping to modify their loan in a more compromising position compared to when the FDIC was in control. While the FDIC was heavily understaffed, they were there to help modify loans to favorable terms for qualified homeowners. The process was very slow but the results were strong. Homeowners generally received a step program that would start at a very low interest rate (1%-3%) then gradually go up over the years until it reached a low fixed number. In addition, they would also stretch out amortizations to lower payments and capitalize delinquencies. This enabled homeowners to keep their property even when they were seriously delinquent causing the bank to make less money than when the property was purchased.

Now that the sale of the portfolio is complete and there is a new regime controlling the fate of the mortgage backed securities, these programs seem to be much harder to get. IMB basically bought the portfolio for around $0.40 cents on the dollar, meaning that if they foreclose on a property and only regain half of the note amount, they still make 20%. This is scary for homeowners. Foreclosing on homes is supposed to scare banks because it results in catastrophic losses. In this case, these losses have already been realized and dealt with, meaning that the homeowners have little leverage.

Along with the fear of foreclosure, Indymac is using unethical tactics to collect past due balances from homeowners. It has been seen where Indymac will offer a modification to a troubled homeowner looking to keep their house. The terms look great and the homeowner now believes that they can keep their home. They send Indymac the required ‘Good Faith’ reinstatement payment and the signed documents. Indymac cashes the check then issues a denial upon further review. This practice is becoming very common, so if you are an Indymac customer, understand what you are going up against.

Another important new addition to the ever changing guidelines is that anyone who is on Notice of Sale (NOS) now is required to pay up to 50% of their delinquent balance to delay the foreclosure. This does not guarantee a modification or reinstatement, just delays the sale date. Make sure that you consult an attorney before you make this move. There are other ways to delay the foreclosure without paying 6-8 months of missed payments, fees and taxes. Bottom line is that Indymac borrowers need to beware. They are not playing fair and definitely do not care about you as a homeowner.

If you are in a Trustee state and are heavily delinquent, realize that ASND, INC can be your answer to delaying the foreclosure. Indymac is taking back homes in the thousands. Do not be one of them just yet.


Why? And How Did This Happen?

I think that by now you are probably blown away at what the banks have been able to get away with. You’re probably wondering how this could be? Here to answer all, are links to some documentaries (free) that will explain in detail so that all will be revealed. Click the back button to return to the guide.

Root Causes and the Only Solution from Freedom Radio.com

http://www.youtube.com/watch?v=2iCRNBGQU00&feature=related

The Money Masters- This documentary details our monetary system which will help you understand how we got to this point in history with respect to our financial state both in our country and around the world.

http://freedocumentaries.org/teatro.php?filmID=243&lan=en&size=big

Banks and How to Break Them- This documentary explains the financial markets and the collapse in general terms and looks into the human element of trading. It does not address any of the legal or technical causes of the collapse but is interesting and somewhat educational none the less.

http://freedocumentaries.org/teatro.php?filmID=342&lan=en&size=big

Loose Change- Interesting documentary that’s has been out since 2006. Watch it and draw your own conclusions

http://www.youtube.com/watch?v=7E3oIbO0AWE

 

Breaking News- 08/19/2010

62 Million Homeowners Could Be Shielded From Foreclosure

http://foreclosureblues.wordpress.com/2010/09/13/the-curse-of-the-mers/

 

Video clip showing the sickeningly obviously fraud being committed by the banks!!

http://www.youtube.com/watch?v=hY4aRn6bWKg&feature=related

 

This video clip is by a homeowner looking for someone from Missouri that wants to join a Class Action Law Suit against MERS

http://www.youtube.com/watch?v=PqNkPEaIvaM&feature=related

 

Who Killed Glass-Steagall? How the Repeal of The Glass- Steagall Act of 1933 back in Nov. 1999 paved the way for the current economic crisis we are in today.

http://www.youtube.com/watch?v=x0k2PmF-o5Q

‘Bankruptcy Abuse and Consumer Protection Act.’ Enacted in 2005

Then conveniently right before the collapse of the economy Bush signed this appalling piece of legislation entitled ‘Bankruptcy Abuse and Consumer Protection Act.’ Consumer Protection Act?? What a bad joke. Were it not for this piece of legislation shoved down our throats, we could simply file for bankruptcy protection and a judge could Order the banks to lower the mortgage to CURRENT MARKET VALUE! That’s what they used to do prior to this enactment of this Piece of you know what legislation. That is why bankruptcy laws were created to begin with, to help the debtor keep their home! This is key to why we are now unable to negotiate with the banks on our under water homes. http://en.wikipedia.org/wiki/Bankruptcy_Abuse_Prevention_and_Consumer_Protection_Act

I am an attorney so I decided to….(Actual First Amended Complaint from his lawsuit)

http://www.scribd.com/doc/21619196/I-am-an-attorney-so-I-decided-to-sue-my-lender


 

Money As Debt

http://paulgrignon.netfirms.com/MoneyasDebt/references.htm

The US is BANKRUPT and what it means to you

Debunking the Dollar

More About MERS

Contributed by:

simon l (not verified) on Sat, 10/24/2009 – 15:08

If you look very carefully at each and every one of those mortgages, and inspect the appraisals made of those homes, you will see that the homes were WAY overvaluated by the lender and that MERS is on every single mortgage. Wells Fargo was not only a direct lender – it has hundreds of correspondent lenders that are doing the same thing (Draper & Kramer, the Chicago Real Estate Giant being just one), and then naming Wells Fargo as the SERVICER, so Wells Fargo can claim “assignee” protection, under MERS.
MERS is a child of MERSCORP – owned by Wells Fargo and other Banks. MERS “trades” in mortgages – but never reports those alleged “sales and purchases” to the SEC. In fact, one can’t find any information regarding the security (promissory note), a negotiable instrument that evidences a debt that a mortgage secures. The only way to get that informaion is to be a member of MERS. The information is purposely kept from you – and unless you are a member of MERS, you cannot get the information. MERS does it every day in Chicago. The Banks hide the identities of the real parties, so the borrowers cannot alert the investors of the frauds.
Please find out how to stop foreclosures! Please DO something! There is a corporate machine called Mortgage Electronic Registrations Systems, Inc. (MERS), that makes fraudulent conveyances of real property in order to facilitate foreclosures in the name of Wells Fargo, who is NOT the real party in interest!
To see it for yourself, you need only to examine any Cook County foreclosure proceeding initiated by Wells Fargo – look at the alleged “assignment” – the “officer of MERS” who signs the backdated assignment is actually the attorney of Wells Fargo!
Even when the homeowner figures out that he was induced into borrowing an amount in excess of the value of his home (by a fraudulent appraisal), there is NO WAY for the homeowner to contact the buyer of the note (holder/investor) to advise of the fraud purpetrated against the investor – a homeowner usually can’t find a way to fight against the foreclosure, because MERS was named on the mortgage as a nominee of the original lender – what the original lender conceals at execution is that MERS is also an agent of Wells Fargo (and other Banks). But, long after the original lender sells it’s interest, MERS claims it still has interest (as a nominee for anyone who buys the Note – this is never mentioned in the deal with the homeowner!), and when the Servicer (who collects payments to spread around the mortgage backed security pools) attempts to foreclose and is met with resistance from the borrower, MERS records an affidavit of assignment AFTER foreclosure complaint is filed, and the assignment is always backdated to just before default. But, common sense says MERS lost it’s nominee status at the original sale by the original lender – so WHY IS THIS BEING ALLOWED??
Please see through the curtain, Honorable Madigan of Illinois – MERS was never created to save money for the homeowner – it was created to avoid disclosure to the people and the government, and has robbed millions from Illinois by neither registering it’s securities (traded every day – make the MERS members show you the real records) nor paying any tax stamps – an average of 4 transfer fees lost PER MORTGAGE IN ILLINOIS, and thousands of foreclosures granted to the wrong party in interest, just so that party can remortgage the home to another victim, over and over! The Mortgage Banker’s Association should be investigated – so many people borrowed money against their homes, believing that they had equity so if something went wrong they would be able to sell and pay their debts – this would NEVER happen, because these borrowers were lied to and the appraisals made the homes look like there was sufficient equity when there was not – most were rendered unsaleable at the execution, and the borrowers were never aware until they tried to sell.
If you remember 1998 when Ms. Brooksey Born tried unsuccessfully to stop the Big Banks’ Black Box – you will see a striking similarity – the Black Box here is MERS, and the Derivatives are the American homes!
The only way to fix the economy is to void the fraudulent mortgage contracts and give people their homes – the mortgage payment they do not have could be spent on home repairs, property taxes, education for their kids, maybe a new car. They will have money to spend and save (if they save, the banks won’t have such a problem), they could pay for medical care, etc, etc.
The other way is: allow more people to lose their homes, after which they will depend on the government to survive – the homes will rot and become harbors for crime, the state will lose untold amounts of money on property taxes, no one will be able to afford healthcare or even to pay bills – which will put even more people out of jobs, more people will foreclose, more people will depend on government money to live. More manufacturers will go bankrupt, because no one can buy, and the homes offered for sale will be in disrepair and in now bad neighborhoods, so no one will buy them, so the revenues will even go down further, causing more loss of jobs, etc, etc – a chain reaction, while the banks get a big discount by fraudulently registering the foreclosed, unsaleable homes as co-ops and robbing the State of Illinois from more precious revenue – just look at how REO properties are taxed as compared to a lived-in home – the RE companies lie to the Assessors!
Meanwhile, the securities are not paying, so a person, or their parents, and even their grandparents are forced to sell their retirement funds and assets and are left with NOTHING, if they are lucky they will own their home outright – but if their mortgage mentions MERS, they are destined to NEVER own that property. The only way the Banks can keep their fraudulent ball rolling is to foreclose and eventually remortgage the home. THEY ARE AFTER THE LAND – not the home that’s on it. LAND DOES NOT DEPRECIATE – the Banks NEVER lose, no matter what they try to make it look like.

A promissory Note says that any notices regarding payment must be made to the Note Holder. You are never made aware of the identity of the Note Holder, so how can you notify of anything? The non-disclosure of the Note Holder is a breach of contract by the original lender and any assignee of that lender.

The Mortgage document first says this:

Quote:
MERS is a separate corporation that is acting solely as a nominee for Lender and Lender’s successors and assigns. MERS is the beneficiary under this Security Instrument.24

And later it says this:

Quote:
The beneficiary of this Security Instrument is MERS (solely as nominee for Lender and Lenders successors and assigns) and the successors and assigns of MERS.

MERS’ “Terms and Conditions” identifies MERS’ interests. The Terms and Conditions 26 say this:

Quote:
MERS shall serve as mortgagee of record with respect to all such mortgage loans solely as a nominee, in an administrative capacity, for the beneficial owner or owners thereof from time to time. MERS shall have no rights whatsoever to any payments made on account of such mortgage loans, to any servicing rights related to such mortgage loans, or to any mortgaged properties securing such mortgage loans. MERS agrees not to assert any rights (other than rights specified in the Governing Documents) with respect to such mortgage loans or mortgaged properties. References herein to “mortgage(s)” and “mortgagee of record” shall include deed(s) of trust and beneficiary under a deed of trust and any other form of security instrument under applicable state law.

YET, MERS does exactly the opposite when it “assigns” the mortgage AND note to the “servicer” – it is against the law, MERS cannot assign the note to anybody!

(Emphasis added – MERS’ website is mersinc.org, and the only entity the homeowner is allowed to contact is the Servicer, whose has no interest in the mortgage or the promissory note – the information regarding the true party in interest is only available to MERS members.)

A “beneficiary” is defined as “one designated to benefit from an appointment, disposition, or assignment . . . or to receive something as a result of a legal arrangement or instrument.” BLACK’S LAW DICTIONARY 165 (8 ed. 2004). But it is obvious from the MERS’ “Terms and Conditions” that MERS is not a beneficiary as it has no rights whatsoever to any payments, to any servicing rights, or to any of the properties secured by the loans.

There’s some great info on msfraud.org.

MERS is a strawman that holds nothing. Every assignment by MERS is a fraudulent conveyance of real property, backdated and then recorded after foreclosure is filed.

The Whole Country is BOGUS – Fabricated Mortgage Assignments All Over the Country

Posted by Foreclosure Fraud on February 14, 2010 · 46 Comments

For the past year and a half, I have been examining the public records of Florida, analyzing all of the fraudulent documents that have been entered into the system since the housing crisis began. I have found employees of lenders assigning mortgages to their employer, I have found companies assigning mortgages to themselves, by themselves. I have seen many variations of financial institutions employees’ signatures on hundreds, if not thousands of documents. I have seen people that are officers of too many banks, and I have been unable to verify the existence of certain notaries who sign millions of these documents.

Now, we are seeing BOGUS assignments all over the Florida public records.  At first I thought it was some kind of joke. Well it is, and the joke is on all of us. Doesn’t anyone look at these papers before filing them? Do the courts even care they are allowing peoples’ homes to be taken away by some BOGUS document?

This is much more than a clerical error. It is outright blatant fraud.

How massive is it?

Well, in just a few hours of perusing the public records of this country, we were able to come up with these BOGUS DocX assignments from multiple counties of multiple states. While we were at it, we found some Bogus Satisfactions of Mortgage as well. To top it off, not only do the assignments say they are bogus, most of the signatures do not match from one to the next.

Some counties and states do not have their records online and some counties and states require you to pay leaving them inaccessible at the moment.

Below are examples of what was found in just a few hours of research. Just imagine what would be found if official audits were performed.

States Examined; Arizona, California, Florida, Georgia, Kentucky, Illinois, Michigan, and Nevada.

Yes, these are on the extreme end of the  fraud spectrum, but what if all of those “official” looking assignments were just as bogus as these?

One of the most infamous “vice presidents”, Erica Johnson-Seck, who signed thousands of these “official” assignments, confesses the role she (and others?) played in the creation of similar documents in her deposition that is posted here … (takes a moment to load)

To top it all off, the Florida Bankers Association now wants to change Florida to a NON Judicial state with the bill in the link below that I urge all to understand.

The Florida Consumer Protection and Homeowner Credit Rehabilitation Act

Anyway, you decide…

Where are the damn Feds…

4closureFraud
www.4closureFraud.org

UPDATE 02/25/10 Investigations Started

—>
Lender Processing Services, Inc. – FORM 10-K – EX-21.1 – February 23, 2010 Legal Proceedings
<—

UPDATE 04/03/10 WSJ Reports on Bogus!

—>
WSJ Picks Up on Bogus – U.S. Probes Foreclosure-Data Provider Lender Processing Services Docx
<—

UPDATE 04/29/10

Florida Attorney General Bill McCollum Launches Investigations into Florida Default Law Group and Docx, LLC a/k/a Lender Processing Services

UPDATE 04/29/10

Foreclosure Lawyers Face New Heat In Florida

 

Foreclosure Fraud – Mortgage Fraud – Assignment Fraud – Forgeries

Don’t be so fast to leave your home just because you are “behind” on your mortgage. Those payments might not be due at all, or if they are, they are probably not owed to the entity you are paying. In almost EVERY case, the “lender” seeking to foreclose on your home never owned your mortgage or your note. Don’t be a victim…
Challenge EVERYTHING!!!

http://4closurefraud.org/2009/10/18/foreclosure-fraud-guide-to-looking-up-public-records-for-fraud/

Here is a letter FROM CONGRESS to Fannie May dated Sept. 24, 2010 Notice that one of the signatures is from Barney Frank that is the head of the banking and finance committee and a congressman.

http://www.msfraud.org/LAW/Legislative/congress-letter-to-fannie-foreclosure-fraud.pdf

10-13-2010- link to a letter I personally wrote to the Nevada Attorney General Catherine Masto, Esq.

Here is a letter I personally wrote to The Nevada Dept of Business and Industry Fraud division. Today Sept. 29, 2010. (it’s just one of many, many, many letters I have written to everyone from Obama, to Oprah to CNN to Bill Mahr, to Barney Frank, HUD etc.

Dear Mr. Daniels,

 
 

I read with amusement the “task force” set up regarding foreclosure prevention. It reads like a pack of wolves put in charge of watching the sheep. Please take a look at the Economic Survival guide put together by myself and a large and growing group of, (disgruntled citizens would be putting it mildly) that have been the victims of the biggest fraud ever perpetrated on Americans and specifically Nevadans at ground zero, Las Vegas. The guide provides links to all the so called “help” set up by Federal agencies, that offer no help. Beyond that are links and reliable information on what is really happening with the foreclosures that amounts to stealing. Case law, articles, even a letter written BY CONGRESS including Barney Frank the head of the Banking and Finance Committee to Fannie May regarding fraudulent activity. Through legislation like the repeal of the Glass-Steagall Act in 1999, and the subsequent 2005 Bankruptcy Reform and Consumer Protection Act, it changed the way banks can do business and reformed the “protections” consumers formerly had. It amounts to legalized fraud. It is fraudulent none the less. Just because a contract is made that both parties agree the sky is green does not make it a fact. So it is with the emergence of the bank created MERS Corp and its subsidiary MERS. Naming MERS as a beneficiary or nominee beneficiary does not make it a reality. In reality, MERS is nothing more than a wall that the bank hid behind the selling and trading of the borrowers promise to pay and then partner insurers stamping toxic paper as AAA and causing a mass run on the securities which by cause and effect increased the value of the real property to the point where they ( the banks) would give anyone with  a pulse a loan and then pre sold that “IOU” before the borrower even closed escrow! That means the so called “lender” never gave anything of value to the borrower, they simply involved the borrower in a securitization of their promise to pay and without disclosure to the borrower that they were a MAJOR part of a security that would be sold on Wall Street! Shouldn’t we have at the very least been told it was OUR Promise to pay that was being brokered on Wall Street to fund our homes? Or at the very least disclosing that the property to which they are securing the Note is now tied intrinsically to the value and subject to the fluctuations of the Stock Market? That it was no longer a safe conservative investment? Further, they named “the wall” that they hid their transactions behind as the beneficiary. How can a wall be a beneficiary? If I gave you a Note in exchange for say $5000.00. and then you sold the note in front of me to Joe, and Joe sold it to Tom and Tom sold it to Sam all in plain view, I would then know I owe the money to Sam. BUT if these same transactions occurred behind a wall I could not see over, under or around, You could sell the Note and collect the money and then later if you had named that wall as beneficiary then had a buddy named as an “officer of the wall” assign that Note back to you and you come calling to collect, EVEN THOUGH YOU WERE ALREADY PAID. That is what MERS is. It had nothing to do with the loan, or my IOU, and to top it off the banks no longer file the sales or (assignments as they are called) in the county of record where the property and Deed are recorded thus the county lost billions in recording fees. Not mention the credit default swaps (we call it hedging your bet here in Vegas) the banks took out on each other knowing they were falsely stamping these securities as AAA (because after repealing Glass-Steagall they were all in bed together) and knew they would most likely default so they made their money already on the “brokered deal” they put together. They never loaned anything, the borrower (and investor) were damaged by the banks fraudulent activities that go against over 100 years of mortgage practice in this country, and still they are stealing property that they have no interest in, other than a fraudulent paper trail that they created. They always say documentation, documentation, documentation, to prove your case so they simply fabricate the documentation and file it in the county records and steal the home. Or in the case of judicial states they simply provide false documentation to the courts.

Please go over the guide carefully. There is plenty of documentation clearly outlining the banks fraud and how they did it. There are links to 1000’s of resources and paper trails and video footage etc. etc.

Something desperately needs to be done as MERS is not a real party of interest in the Note! Just because it says so on a piece of paper does not make it a reality. MERS own website says they do not loan money or collect payments or have anything to do with the loan other than record its assignments. It can’t be both a real party of interest and not be a real party of interest at the same time. It’s fraud. It’s set up to rob the middle class of its wealth and transfer it to the wealthy. We already lost our life savings investing in our homes we were told was ‘the best investment an American can make in their lifetime’ so at least we should be able to keep a roof over our heads! Albeit an underwater roof! They already robbed us. Our state needs to stand up for its constituents and take back our rights. Isn’t this what the revolutionary war was fought over? The British banks were stealing our homes? Wasn’t it people just like you and me that got fed up and took up arms to fight the British and wasn’t it John Adams that fought for Congress to support them in their efforts to separate the United States from the tyranny of the British Central Banks?

This insanity must end! My group is out to educate all 62 million Americans affected by the whole MERS sham and let me tell you we are MAD! If our representatives do not stand up and do THE RIGHT THING by us, the tax payers that have been defrauded and depleted and are now unemployed  as well, let me put it this way, they will soon find out they will be out of a job too.

Please see the attached Economic Survival Guide.

 
 

Thank you for your time.

Lynn Chase

 
 

“Life is a journey, so enjoy the ride.”

 

 

Foreclosure Horror Stories slide show

 

The Foreclosure Fiasco and Wall Streets Shrug

 

The Foreclosure Fiasco Leads to Washington

 

Countrywide Documents May Spell Doom for Bank of America

 

Are you getting mad yet? Read this story!

http://mandelman.ml-implode.com/2009/09/unbelievable-breaking-news-senior-couple-being-screwed-royally- by-mortgage-servicer-specialized-loan-servicers/

It’s been fraud all around folks and you have to start scratching your heads and ask why?

Want to dig a little deeper? So did we, how deep does this fraud go? How high does it climb? Who is really involved or behind all of this? Who are the banks? Who are the hedge fund managers? Who are the majority shareholders in these too big to fail banks? Who is paying the lobbyists’ to corrupt our government representatives? Who IS THE MAN BEHIND THE CURTAIN?

Who indeed?

Let us take a look at some theory’s….

http://www.zeitgeistmovie.com/ be sure to watch this from the first 2007 film (which is in 3 parts itself) then watch the addendum and then the 3rd film is not out yet, but will be released soon.

Are we owned by The House of Rothschild? After seeing this you might think so! Watch the video clip then follow the instructions below to verify its truth.

 

http://www.youtube.com/watch?v=KRTVLSZ8cVQ

Do you want to find out how much you are worth??

Search……
http://personal.fidelity.com/news/quo…

1) click Symbol Lookup next to the Box Now where it says Search for change the box to [Mutual Fund] and the other box to [fund number]

2) Now type in the [Search Value Box] this: the year you was born / and the red numbers in the lower left/right hand corner of your Birth Certificate like this EXAMPLE [1967/the number]

3) If you show up click FSNIX under symbol

HOW MUCH ARE YOU WORTH?
Oh and lastly Notice the Fidelity’s firm symbol Go on take a look!!

Cases Argued and Decided in the United States Supreme Court Book 20

The History Of Money

These websites have 1000’s of links to amazing information!

THE US Financial Information and So Much MORE a MUST SEE Link

Welcome to The United States Of Austerity

Non-mainstream REAL Independent News Media

 
 

brasscheck tv

propaganda matrix

voltairenet.org

dprogram.net

Project.nsearch

Fourwinds10

Hinterland Voice

Icelandic Modern Media Initiative

Disinformation-tactics-methods-used-to-keep-you-in-the-dark

corbett report

youtube user/SuppressedNews

no one has to die tomorrow

dprogram.net
Information clearing house

Alex Jones Prison Planet

8 the state

Disclose TV

We the People Radio network

Rense

Nexus

Educate Yourself

Mediaed

Oped news

mind control-victims

 PR watch

Smoke Screan Media

Project Camelot

Free press links

Iluminati News

Brass Check TV

Silobreaker

GCN live

Truth news

Vortex Network News

world audit

8th Estate Public Media and Research

Rogue Government

Jancik radio network

Snardfarker

Suprememastertv

Whiskey and gun powder

Conscious media network

Citizens for Legitimate Government
Old-Thinker News
BlackListed News
News X
Information Liberation
Rogue Government
Lew Rockwell
Ridley Report
Illuminati News
Red Ice Creations
Restore The Republic
The New American
Break The Matrix
Above Top Secret
What Really Happened
War On You
American Free Press
Wake Up From Your Slumber
Free-Market News Network
Global Research
Cryptogon
Aftermath News
Rebel News
Strike The Root
Revere Radio
FKN Newz
Media Monarchy
Bureaucrash
Uncover the News
Cremation of Care
PyraBang
Rumor Mill News

survivalist news

want to know.info

 

 

This is a trailer for a major motion picture soon to be released that I can’t wait to see! All I can say is “The cat is out of the bag!!”

‘Inside Job’- This next link is to a Trailer for a film not out yet as of 09/29/10

Who Owns THE MEDIA?You may have to create a user name and pw to view this doc.

Survival Information For The Worst Case Scenario (poverty, chaos, Marshall law, homelessness, or the need to G.O.O.D (Get Out Of Dodge)

http://www.survivalblog.com/

 

Survival guide for the unemployed

Just lost your job? These 13 tips will help you find ways to cope, from keeping up your spirits to prioritizing your spending, MSN Money’s Liz Pulliam Weston says.

If you’ve just lost your job, the decisions you make in the coming days and weeks may be critical to your financial survival.

How you organize your time, corral your resources and handle your money will help determine whether this job loss is a temporary setback or a potentially life-changing disaster.

But your most important task will be managing yourself, said career coach Nancy Collamer.

“It’s OK to catch your breath and lick your wounds,” said Collamer, the publisher of the Jobs and Moms Web site and author of the e-book “The Layoff Survival Guide.” “Take a week, two weeks if you need it” — but then get going.

Here’s what you need to do:

Get your head on straight. Keeping your spirits up, your energy level high and “a realistic sense of optimism” will be essential skills in helping you navigate the road ahead, Collamer said.

Your spouse or partner may be as freaked out as you are, and your friends are busy trying to keep their own jobs. While family and friends can try to help, what you really need is a job-hunting “board of directors” that can give you advice and encouragement, Collamer said. That means finding a job-search support group; the Web site Job-Hunt, she said, is a good place to start looking.

Schedule your job search. Get up early, take a shower, put on nice clothes and schedule what you’ll do for the day.

“Even if you don’t have appointments, you can take some time on Sunday night or Friday afternoon or whenever it works for you to schedule out your week,” said Collamer, whose husband’s layoff in 2001 prompted her to write the unemployment guide. “You might decide that from 9 a.m. to 11 a.m. you’ll research new companies on the Internet and from 1 p.m. to 3 p.m. you’ll go to the library and check out three books on writing résumés to see what you can do to improve yours.”

Having a schedule keeps you moving forward, Collamer said, and preserves “that sense of dignity” that can be lost when the structure your job used to give you suddenly, and unsettlingly, disappears.

“You want to have that feeling at 5 p.m. that you’re done for the day,” Collamer said, “and that you’ve accomplished something.”

 

[Related content: budgeting, financial planning, bills, spending, emergency fund]

Related Stories

  1. Turn off the lights when you leave a room- this one seems obvious yet so many people leave the TV on or room lights, closets lights, garage lights, etc. on when no one is even in the room! Why is it so hard to flip a switch when you walk out of a room? Guess what? It isn’t! So do it! It’s one of the simplest and most effective ways to reduce your power bill.

     

  2. Hand wash clothes. I am not joking! Ladies, all you little intimate clothing/ undies/ slips/ bras/ or other delicate clothing can and should be hand washed. It doesn’t take more than 5 minutes and another 5 to lay them out to dry. You now saved money on power and possibly gas if you have a gas dryer, water, and your clothes will last longer. If you have an old washing machine without a delicate cycle you probably already do this, but if not it’s great cash saving tip! Don’t forget every little thing we do costs money and so it ALL adds up! Which brings me to number…

     

     

  3. Line dry your wash. Ok so you don’t have a yard with anywhere to “line dry” your clothes. Or your association won’t let you hang your cloths out to dry cause it will look like a 3rd world country. Unfortunately we could very well become a 3rd world country if we don’t start paying off our debt and acquiring real assets not more debt. So hang a line inside your home if you have to. Layout towels on the floor for your sweaters and hang shirts up wet and let them dry on their own! There is no excuse. Do you want to save money? Alright then, hang your damn clothes up to dry. Only use your dryer if you absolutely must for those items that you can’t hang to dry. Can’t think of what that might be right now but even if you use your dryer ½ the time, then you saved ½ the cost. Get your kids to help. They should learn how to share the work load anyway. Tell them to turn the video games off while you’re at it. How can they learn backbone, sharing, giving, helping, thoughtfulness, compassion, trust, from a video game anyway? Think they learn those things at school? Don’t even get me started.

     

  4. Turn off the vampire appliances and plugs. You know all those blinking lights on the crap we bought. Yes we loved buying all our electronic crap that somehow still left us wanting. Well what we want now is more cash and all those blinking lights on extra phone lines in rooms no one answers, or power strips to appliances and other doo dads that we rarely use. Turn em off! They are sucking power for no good reason! Turn off the CPU, the extra digital clocks, etc. If you are not using it turn it off. You want to use it? Plug it in. Simple. Speaking of phone lines… see number.

     

     

  5. Fire the phone company. That’s a biggie! That’ll save you at least $600.00 right there! This is only a great suggestion though if you already have a cell phone. I have had the same cell phone number since 1986 so for me it was truly a no brainer. No, you don’t even need it for the fax line cause you can go to www.efax.com and get a free fax number and receive all your faxes via your e-mail address, or logging into your e-fax account and retrieving it that way if you like. So for most this will save you a tidy sum.

 

  1. Scrutinize your cable/satellite plan and try to lower it. I love HBO. I love True Blood, Curb Your Enthusiasm, movies etc. So, I did not want to give up HBO. I did lower the over all plan though and then I check all the time for the specials and usually am able to get HBO for ½ price. I was able to lower my bill and save $540.00 and still keep my HBO. During these times I am afraid we will be watching more TV than ever so I thought it was important for my mental well being, so this falls under the “thriving” part. I want to save money but I also don’t want to be depressed about it. So keeping that in mind I refer to number 7.

     

 

  1. Feel like a million bucks! Volunteer for your favorite charities! This is so cool on so many levels!!! One it makes you feel like a million bucks! I swear on my father’s grave if I lie may I rot in Hell or wherever you believe liars go. This is actually almost a selfish thing because you feel so darn good that what little help you actually gave in the large picture pales in comparison to how good you will feel. Guaranteed. The money you save will be in tax deductions. You can donate your time, or goods and as long as you keep a receipt and log of your mileage, you can deduct it! (consult a tax accountant for your situation) I hope I don’t need to state the obvious effects on those that you would be helping as well! Please do this. If you do nothing else from this book, just do this.

     

  2. Use candles. Try the long lasting beeswax candles. Not only will you save money on your power bill, but it’s romantic too! I’m going to suggest sex while I am at it, since that can also make you feel like a million bucks! Also burns calories, so file this one under both money savings and thriving in the economic crisis. If your alone, I still suggest sex but you won’t burn as many calories. Great pass time and it’s free!

     

  3. Coupons coupons coupons! I know you’re too good to clip coupons! I also know I save more money than you. They are like free money honey. Also, every time you purchase something online, if they show a box for a coupon code or similar before you hit “purchase” do a quick Google search for “coupon code” or Promo Offer plus whatever store name you are buying from and see if there is a current code available. This will often get you free shipping, or discounts or extra free gifts. We also provide handy links to several coupon sites so reads on!

     

  4. Donate to charity or sell ! De clutter your garage, home or storage unit for fun and profit! Most of the accumulated crap will be just crap. However you will also find great items you could give as gifts, sell on e-bay or donate to a charity and get the tax deduction!

     

  5. Keep good financial records. Very important! Don’t throw money away because you are late on a bill! This will also be a source for finding tax deductions that you will forget if you do not keep sound financial records. Keep your receipts! I do 90% of my bill pay on line through my bank. That way all (or most) of my record keeping is done while I am simply doing what I have to do anyways! Pay my bills. Then I simply print out the payments and wrap them around the paper bills and file them according to month. I also keep all my bank statements each month in the same place filing the statements in the back of the folder per month. If I need it again it is quickly retrieved showing all the transacti0ons along with the printout of the monthly bills paid. Easy Chickeezy!

     

  6. Start a business. I don’t care what kind of business. Start a website, bake pies, make handmade stuffed animals, whatever, you can do something if you really want to. Go to the secretary of state website in your state and file the new business. Work out of your home and write off the portion of your home you use, portion of utilities, and other necessary business expenses like taking potential clients out to eat, buying them gifts, taking them golfing, your annual shareholders meeting that is being held in an exotic location (using the funds you saved by following number 15), etc. Be sure to discuss this with your accountant or CPA to make sure you do it correctly and within IRS guidelines. You may have no profits for 3 years before the IRS concludes it is a hobby not a business, and disallows the write offs. Then you’ll need to start a new business.

     

  7. Use cash. Duh. How do you think we got into this mess to begin with? I recall my grandfather who lived through the depression era and continued working without going on the government charity, used to say it was an embarrassment to have debt. People looked down on people with debt or felt pity for them. I am not talking stupid debt like running up 10 grand on your credit card buying crap, no I am referring to any debt including mortgages! People actually used to only buy things they could afford! Imagine that! I know it is difficult to fathom but true. Buy what you can afford to buy and nothing more. Remember your home is not an asset until it is yours and not the banks. Once you own it, then it is an asset. Until that time it is a liability as many, many, homeowners are just now discovering.

     

     

     

  8. Prepare you own meals. You know that giant granite counter and those fancy appliances you had to have? USE them! Make your own meals. I know you love to eat out, who doesn’t? But if you can cut out a dinner out or even fast food you will be richer, and healthier! This is also a great family time or neighbor time or friend time. Make it a regular thing, do pot lucks with your friends, and neighbors. This will save you money, keep you healthier, and bring you more joy. Three good things.

     

  9. Do your own hair and nails. Don’t laugh or shriek in horror! It can be done! I am saving over $2400.00 per year doing my own hair and nails. I do not have an easy no fuss hairdo either and I have a French manicure on my nails and my toes. I have long blonde hair in layers and I am not a natural blonde either, so I am not suggesting you look like a ragamuffin. How is one to feel fulfilled if they are not happy with their personal hygiene standards. This is not about lowering your standards. This is about getting something for less, and upping our quality of life and our life condition. Yes baby, we can have it all! It will take some practice but get a friend and help each other. Or at the very least get 2 mirrors set up so you can see the back of your head and be able to do it yourself! Cut your kids and husbands hair too. With the money you save, go on vacation, er, I mean, your annual shareholders meeting.

     

  10. Buy drugstore make up. I was a professional singer and dancer for many years and I know how to do full stage makeup using nothing but drugstore products. You don’t have to sacrifice beauty buying less expensive makeup. The only exception might be the foundation. If I were to splurge on a make up product, that would be the one thing that I think is of better quality than the drugstore alternatives. But for lipsticks, liners, blush, mascara, eyeshadows, honey, save your money and avoid the make up departments in the high end lines.

     

  11. Skin care products. See number 16. Seriously, drugstore, even the grocery store carries plenty of great skin care products from Olay and Loreal, etc. Burt’s Bees is a great skin care line and compared with department store priced skin care it is a real bargain! For the aging skin I highly recommend Strivectin D but at $120.00 a bottle, forget about it! It gives me wrinkles even thinking about spending that kind of money on one little bottle of cream. So buy the Strivectin D for eyes! It’s half the price and it’s the same formula only without the fragrance! Plus it is so concentrated that the one tube will last you a year!

     

  12. Eat healthy. Buy only enough fruits and veggies you will use within a few days to avoid waste. While fresh fruits and veggies may cost more than breads and cereals the money you will save on health problems from a diet of processed foods and enriched flour could not only save your life but your bank account as well. Did you know that so called “enriched flour” means that all the good stuff was removed during processing so they have to add some vitamins back in to enrich it . However, it is not even close to how healthy it would have been in the first place! Have you heard the expression “white flour, white sugar equals white death”? Well you have now. It’s true. It’s simple. Eat fresh fruits and veggies. Save money, be healthy and live longer.

     

     

     

  13. Use cloth towels instead of paper towels! I know you older folks are shaking your heads right now but in the disposable world that my generation and younger grew up with we used paper towels! Disposable everything! Well right now we need to learn from an older and wiser generation and recapture their values too. Ex’ing the paper towel is a small step, but it is a step in the right direction. I am all for moving forward but if paper towels are a step forward, the average cost of using 2 rolls per week or about $300.00 per year is a definite step backward. As in waste, rubbish, and added crap to landfills.

     

  14. Wash your own car. This can save a bundle if you are one of those people that gets their car washed once a week using the cheapo $7.00 car wash that still adds up to $336.00 per year! Better yet, go to your local ‘Hooters’ and help them organize a charity car wash (doing your car first, on the cuff of course for being such a great person, and you are a great person) then donate the proceeds to the charity! Everyone wins, it’s fun, helpful, your car gets cleaned and you have the tax deduction for your time and mileage putting it all together! Depending on your schedule you could do this once week for various charities using various restaurants. Or just wash your own car.

     

  15. Make your gourmet coffee at home. This is a tough one for me. I admit it, I am a Starbucks addict. Latte Grandes, Java Chip Frappacinos, and those Vivanos! OMG! Okay, I must sacrifice. I want the vacations, I want my debt to be gone, if I cut out my daily Starbucks that saves me at least $1,454.40 per year! Now that’s an OMG. Are you kidding me? Forgetaboutit! My trade off, I buy the Starbucks in the bag and make it at home. If I cut that out I could save an additional $240.00 per year buying 2 pounds a month but this book isn’t about feeling unfulfilled. It’s about feeling fulfilled but not being stupid. I’m sorry, did I say stupid? I meant to say being a jerk. Oh don’t be so sensitive, I am the jerk that spent $1,454.40 at Starbucks. Guess what happened? It all ended up in the ocean my friend, right down the toilet. That’s not even counting when I used my credit cards to pay for the damn things and then paid interest on top of that! Still turned to crap, or pee as it were. Expensive pee. I do adore Starbucks so that is my indugence. You may not love it as much and will be able to save tons more buying Folgers or Maxwell House or any number of cheaper brands. Me I drink several cups a day so it is basically a staple of my diet. Caffiene is also reported to lower your risk of liver cancer if you drink 3 to 4 cups a day. It’s true! As reported in the journal of the Nati0nal Cancer Institute, a 10 year Japanese study led by Monami Inoue of the National Cancer Center in Tokyo analyzed the study of over 90,000 people over a 10 year period and found that those that did not consume coffee had double the rate of liver cancer compared to those that consumed 3 to 4 cups of java per day. The study also compared drinking green tea which also contains caffeine and other antioxidants and found no association with drinking green tea and liver cancer. They were unable to compare the effects of de caffeinated coffee however as decaf is rarely consumed in Japan. In a separate study reported in the same issue of the journal showed a 52% decline in rectal cancer among people who regularly drank two or more cups decaffeinated coffee per day.

 

  1. Get your shampoos and conditioners at the grocery store not the beauty parlor. Just because the bottle is prettier doesn’t make the product better. Just because the bottle is prettier doesn’t make the product better. Now keep repeating it. It should become your new mantra. Apply it liberally and often.

     

  2. Barter for things. Or, offer a service or product . I have a neighbor that is a plumber (I know your jealous) and my chocolate chip cookies rule. Need I say more? Get creative! Network with friends, family and co workers to exchange products and services.

     

  3. Pay down your debt. If you have debt especially credit card debt, try to pay them down or if possible pay them off as quickly as possible. Pay the most you can afford to the highest interest card first and work down from there. The monthly cash flow improves, and more importantly your peace of mind improves. Free your soul. Don’t be a slave to the banks anymore. Do not let them lure you in with the delusion of them giving you something i.e. money. They are not. They are vultures, liars, and marketing experts. They are not “giving” you anything except a life of slavery. The only exception to this is maybe the business loan and home loans as theoretically and historically these should increase in value thus creating an asset not just a liability.

     

  4. Don’t waste money on expensive cleaning products. Most of the cleaning products we are marketed are made up nothing more than a pretty bottle, made up of mostly water, or bleach, or ammonia, or vinegar with added fragrance and other crap you don’t need. Yeah I know it seems that there is a lot of crap going around. What can I say? In the immortal words of the late great George Carlin, “it’s all Bullshit and it’s bad for ya.” So buy basics, like the old powder cleanser i.e. Commet or other brand. You will also need some ammonia, some bleach and some vinegar, then mix them separately with 90% water. If must, buy some lemons and squeeze them into your own blends and put them in the old empty spray bottles. Your old 409 bottles or Windex bottles, etc. So you have your ammonia mix with water in one, your bleach and water mix in another, your vinegar and water in another. Label them and reuse them. This saves you a fortune! How many times have you gone to the grocery store and filled your cart with cleaning products and after spending over $100.00 bucks come home with nothing to eat? It’s crazy. Buy food, real food at the grocery store and nothing else. (see number 18) Don’t waste your grocery dollars on these ridiculous albeit well marketed cleaning products. Don’t forget your new mantra “Just because the bottle is prettier doesn’t make the product better. Just because the bottle is prettier doesn’t make the product better.” One exception to this is the Swifter floor cleaning system. These handy disposable wipes that fit on the swifter make the floor cleaning process so quick and easy that the time you save, you could be working on that business you started, or donating time to that charity. Also they offer a cloth version with a liquid instead so you could use that versus the disposable cloths but with 2 rescued Pit Bulls, a cat and 2 horses, plus running my non profit group ‘Kids Caring For Animals Foundation’ out of my house, my floors get really dirty quick so the disposables works best for me. There is always an exception for every rule and this book isn’t about being overworked and miserable. It is about playing the cards your dealt. We have an economic crisis but we won’t fix it if we are all too depressed to do anything, so lighten up. Have faith. We can keep our homes clean and still eat. We just have to use our brains, and common sense, and maybe some sweat, all of which is good for us and will make us happy and fulfilled. Who knew it would take an economic crisis to do that?

     

  5. Review your cell phone plan. Do you really need to be constantly wired or has it just become an expensive habit or convenience? Think it through and decide if it is worth what you are paying. Perhaps you can lower the rate? I once went several years with my cell plan only being able to check voice mail. The plan had little or zero minutes and I would check my voice mail from my land line so my cell phone which I had for emergency only cost $9.95 per month until they raised the rate to 15.95 per month.

     

  6. Save on gas. Did you know you can save gas by taking right turns instead of left turns? UPS maps out it’s deliveries to do just that. Learn from them, if you have errands to run, or appointments to make and keep. Plan them so that you can do this the most efficient way possible taking right turns instead of left ones. This saves time and gas as you avoid sitting at lights or waiting for traffic while trying to make left turns. Also if you plan ahead you can do the tasks in bulk rather than spreading them out over several days. Simple but effective, and when filling your tank costs the equivalent of a date to the movies with your favorite girl including popcorn and candy then it’s worth it to take the time to plan ahead. Also plan your routes and outings, if you have a doctor appointment tomorrow and it is near the grocery store, do you really need to go to the grocery today? My guess is unless you are out of toilet paper or any paper that you could substitute as toilet paper than you can wait till tomorrow and go to the store after your appointment!

     

  7. Cancel your gym membership. I didn’t say stop working out. Just stop paying to move your body. Running is free, pick up some used weights usually found in your local classified for sale, along with any other workout equipment that might suit your fancy at a fraction of the cost. Many people will part with their large bulky unwanted equipment for next to nothing being happy to have someone pick it up and get it off their hands (or taking up needed space as is typically the case).

     

  8. Buy cheap “tooth whitening” toothpaste. If whitening your teeth is high on your list Ultrabrite is a great alternative to more expensive teeth whiteners.

     

  9. Cut out the dry cleaning. Even when the label says “Dry Clean Only” it is rarely true. Hand wash and line dry. (see numbers 2 and 3). My husband used to send a bag to the drycleaners about once or twice a month at an average cost of $60.00 per cleaning. That’s $120.00 per month or $1,440.00 per year! My shareholders meeting is looking better all the time! Or if you still haven’t paid off your credit cards there is a nice chunk of change that is painless to save.

     

  10. Drink tap water. Haven’t you heard that the plastic bottles you buy your “good water” in causes cancer? Well it is debatable I am sure, but that’s the word on the street and according to some sources Canada is considering banning plastic bottles. So it’s not a bad idea to “just say no”. Instead, save your glass bottles from the vodka you will need to drink in order to get through this crisis! Well lets hope that’s not your only remedy and you will take the advice in our guide as your guide. After washing out our safe glass bottles fill them with water and keep them in the fridge so they are handy. You probably already have a water filter system that you paid for with credit anyway, so offset the cost stupid, I mean jerk, I mean nice person that did foolish things with their money that wasn’t even their money but rather the banks money that you were conned you into thinking was a gift, or favor, status symbol, proof that you made it, or something (those scoundrels)! They even gave you a card with a picture of your favorite hobby on it! How nice of them. NOT! Thomas Jefferson once said “bankers are synonymous with scoundrels”. God I wish Tommy was alive and living in Washington DC today!
  11. Rent out your home or just a room in your home. If you are really down and out with no job, no income, no family that is willing to support you, then time to see if you can find someone else to pay down your mortgage for you. This option means you will be searching for a new home, condo, or crash pad but hopefully at a fraction of cost of the mortgage you pay. It allows you to keep your home and not the payment. At least until things turn around. It means being a landlord and other responsibilities so be sure this is something you can handle but for some it could be the answer they are looking for.

The Following was found on Yahoo Money and while it is pretty tongue in cheek it might help if only to make you smile!

10 Ways To Survive Without a Bailout

  • Rick Newman
  • Monday February 23, 2009, 8:06 am EST

If you haven’t qualified for a bailout by now, your chances are sinking fast. Washington has spent just about all the money it can stomach for awhile and done its best to give something to everybody. If you’re not in a line for a tax cut or housing rebate or mortgage modification or green-energy job, you may have little choice but to wait for the next financial meltdown.

But who says the whole solution has to be about jobs and money? There are plenty of ways to while away a recession and maybe even bail yourself out in the process. Such as:

1. Fix something. Look around your house. There are plenty of things that don’t work right. Maybe it’s something old and mechanical, like a blender or the bike you haven’t ridden in years. Or maybe it’s something new and digital, like a camera or a laptop with a virus. You used to pay somebody else to fix things like this, or just trash the offending gizmo and buy another one. But now you’re cutting back on extravagances. So find the manual, or download it, and tackle the job yourself. And when you start to feel comfortable with your new repair skills, come over to my house and help with my pile of projects.

[See how to tell when the economy’s getting better. http://www.usnews.com/blogs/flowchart/2009/2/12/how-to-tell-when-the-economys-getting-better.html ]

2. Learn how we got into this mess. For people who don’t work in the financial industry or the news media, the financial crisis is hard to comprehend. But new resources are emerging that do a good job of demystifying esoteric stuff like subprime lending, mortgage-backed securities, credit-default swaps and all the other things that helped cause the recession. The nonprofit Milken Institute has published a dry-sounding report – “The Rise and Fall of the U.S. Mortgage and Credit Markets
http://www.milkeninstitute.org/pdf/Riseandfallexcerpt.pdf ” – that’s actually a concise, readable explanation of how the housing boom and bust produced the worst recession in at least a generation. A new book by Dave Kansas, The Wall Street Journal Guide to the End of Wall Street As We Know It
http://www.harpercollins.com/books/9780061798962/The_Wall_Street_Journal_Guide_to_the_End_of_Wall_Street_as_We_Know_It/index.aspx , tracks the crisis back to its roots in the S&L debacle of the 1980s – in merciful plain English. Other useful primers are sure to materialize soon. A better understanding of what happened won’t end the recession, but it will make you a lot smarter about your financial life and other decisions in the future.

3. Have more sex. Consumer confidence is dismal, and we need something to feel good about. Why not sex? Europeans have charged for years that Americans are overworked and undersexed. Let’s prove them wrong. If done right, it will take your mind off your dwindling retirement fund or your precarious job prospects. Another bonus: If you have a partner, it ought to be free. And if you don’t have a partner, well, you didn’t get this advice from me.

4. Start a blog. Feel like adding your voice to the growing national rant? This is how. A lot of hosting sites, like blogger.com, are free, while others, like wordpress.com, charge a few bucks a month and give you more control. If your friends like what you have to say, your blog will gain popularity. If they don’t, then it’s better that you channel your vituperations into cyberspace anyway. And there’s a good chance you’ll discover other bloggers who feel the same way you do.

[Find out how to skirt taxes and still land a plum job. http://www.usnews.com/blogs/flowchart/2009/2/4/how-to-skirt-taxes-and-still-land-a-plum-job.html ]

5. Solve a problem. We’ve all become experts at complaining about the problems that ail America. How about solving one? Start small. Mediate a family spat or help a struggling student raise his grade by a notch. When you get bogged down, pretend you’re Tim Geithner or Ben Bernanke trying to solve the foreclosure epidemic: Sure, you could dither forever trying to figure out the fairest outcome for everybody. But you might die of old age first, while the problem mushrooms. So do a little something now instead of waiting for a universal solution to materialize later.

6. Make a movie. Decent digital videocameras cost less than $200, and less than $100 used. Software for adding background music and special effects is cheap, or free. Your movie doesn’t have to be great – in fact, it probably won’t be. But it will fire up some synapses that have been dormant or dedicated to worry, and it will be fun to see it on YouTube. Combine with No. 3 above, and you’ll discover the most profitable industry on the Internet.

[See how Wall Street continues to doom itself. http://www.usnews.com/blogs/flowchart/2009/1/30/how-wall-continues-to-doom-itself.html ]

7. Stop using clichés. Please, no more economic tsunamis or Ponzi schemes for awhile. Stop throwing out the baby, with or without the bathwater. Everybody knows the party’s over, so you don’t need to keep reminding us. Stop looking for the light at the end of the tunnel. And if you feel the audacity of hope or some variation, keep it to yourself. Mouthing clichés is a hard habit to break, because these well-known turns of phrase often express ideas in more vivid terms than most people can come up with on their own. But speak a little slower and give it a try. Maybe by the end of the recession, we’ll be a more eloquent nation. Bonus points go to anybody who can come up with fresh words to replace “bailout,” “stimulus,” and “shovel-ready.” (Send nominations to flowchart@usnews.com.)

[See why “Wall Street talent” is an oxymoron. http://www.usnews.com/blogs/flowchart/2009/1/28/let-the-wall-st-talent-walk.html]

8. Innovate. Come up with a better way of doing something. You don’t need a business plan or investors, just some keen observational powers and a bit of cleverness. Maybe there’s a better way to clean up after your dog. Or get your groceries home without using plastic bags. Or plan a week’s worth of school lunches for your kids. When you feel like you’ve actually done it, say so in your blog or just mention it to friends. Even if you don’t get paid for it, you’ll find it satisfying. And who knows, you might discover the kernel of a business idea.

9. Babysit for a working Mom. Everybody’s got it tough. They’ve got it tougher. Just an hour or two of extra childcare per week could ease a great deal of stress. Tell yourself you’re doing it for the children of the world. If you really want to be a saint, do it for a single working Mom.

[Read about one CEO who gets it. http://www.usnews.com/blogs/flowchart/2009/2/6/one-ceo-who-gets-it.html ]

10. Help fix capitalism. Spend your money smarter. Pay as you go. Ask a million dumb questions until you’re sure you understand what you’re getting into. Take intelligent risks, but ask yourself what could possibly go wrong – and have a plausible backup plan in case they do. Shame the deadbeats by outperforming and outmaneuvering them. Most of all, solve your own problems instead of hoping that somebody else will. Because there will never be a bailout big enough to cover everybody.

 

 

Coupons are like CASH!

Here is a list of online printable coupon sites. Coupons for free work outs, products, restaurants, and discounts from a menagerie of companies. Some charge a membership fee and some don’t. We included both so you can choose which works best for you.

http://www.wow-coupons.com/all-printable-retail-coupons.php

http://www.allprintablecoupons.com/

http://www.couponsurfer.com/

http://www.ppgazette.com/

http://www.kfc.com/coupons/

http://www.kroger.com/in_store/Pages/coupon_landing.aspx

http://print.coupons.com/CouponWeb/Offers.aspx?pid=13306&zid=iq37&nid=10

 

 

 


 

 

 

Here are some tips shared in the free e-book, “Cut Your Grocery Bill in Half” from CouponMom.com:

1. Know Your Top 10 Grocery Items.
What do you consume the most? For example, growing up our household always had milk, eggs, and bread on the shopping list. Make a list of the items you regularly consume. If you track just the prices of these specific items you can reap major savings. Make a list of your “top 10″. Then compare the prices, apples-to-apples and week-to-week, in the stores you shop.

2. Does Your Store “Double Coupon”?
Common sense says that the store brand is generally less expensive than the name brand. But, if your store doubles coupons a name brand item can end up costing less than the store brand. The secret is to track your top 10 items so you know first when the price is the lowest and second, if/when a coupon will be doubled.

3. How Is “Buy One, Get One Free” Calculated?
Ask your store manager how the “buy one, get one free” is calculated. Does one item ring up full price and the second item free? Or are both items rung in at half price? If the latter you can legitimately use two coupons for the purchase, thus saving more!

4. Can Coupons Be Electronically Delivered to Your Loyalty Card?
Some stores will automatically add coupons to your loyalty card so there is no need to cut them out of the paper, or remember to bring them with you! You can find out by going to the website of your favorite grocery store. If you use Upromise to save for college or pay off your student loans you can also link coupons electronically to your debit card.

5. Will the Store Email You Coupons or Weekly Circulars?

If you subscribe to several grocery “weeklies” you can quickly see who has the best prices for your Top 10 items. Sometimes stores will email you coupons you can print at home, too. Keep all your coupons in an organized folder.

6. Can You Join Specific Programs Like “Pet Care”?
Some stores will provide coupons for different shopper demographics. For example, new mothers can sometimes get emails for discounts on baby care items. Pet owners can get discounts based on the pets in a household.

7. Does Your Store Accept Competitors Coupons?
If so, it makes it a lot easier to choose which store to patronize. Choose the one with the best deals for you.

8. Are There Additional Loyalty Card Perks?
Will you get a money-off coupon if you spend a certain amount at their store? If so, know the threshold and factor that into your shopping decisions.

9. Can You Use Both “Store Coupons” and “Manufacturer’s Coupons” on the Same Item?

Some grocery stores allow you to double up. If so, you can use the coupon issued for the store AND a manufacturer’s coupon and double your savings. Buy when an item is already reduced and you’ve got greater savings.

10. Are There Coupon Limits for the Same Order?
Some stores impose a coupon limit for each visit. No problem. Just send your kid, friend, spouse, or partner through another line with the other items to take advantage of deep discounts. Consider splitting large bounties with the person who helped you buy at a discount.

Is that all? Hardly. There’s a reason some coupon clippers are self-described “fanatics”. Even casual coupon use can save you some money if you’re buying something you regularly use.

 

Surviving (and thriving) on $12,000 a year

http://articles.moneycentral.msn.com/SavingandDebt/LearnToBudget/SurvivingAndThrivingOn12000AYear.aspx

Free Stuff You Actually Want!

http://food.yahoo.com/blog/foxyfestivities/14632/free-stuff-you-actually-want/

Fabulous Freebies!

http://content.kiplinger.com/tools/slideshows/slideshow_pop.html?nm=freebies_2008

We sincerely hope that you have found our guide to be informative, helpful and even entertaining! We have been able to save literally thousands of dollars following these tips and tricks and advice. You can too! This is a profound time in our US history. It is a time of struggle but can also be time to grow and become stronger, happier and more fulfilled in the process. We wish you all the best to not only survive but thrive these tough economic times. Please feel free to write to us with your experience using the guide or if you have additional tips and tricks that you have found to be successful and we will add them to our ever growing guide. info@economicsuvivalguide.org

   

Misc. Links to more Blogs and posts

Corruption, Fannie Mae, Foreclosure Fraud, MERS, Mortgage Fraud, bankruptcy, cdo, foreclosure, freddie mac, mortgage electronic registration system, securities fraud · Tagged with 4closurefraud, appeal foreclosure, assignment, bank fraud, bogus, bogus assignee, bogus assignments, brittany snow, cdo, cds, Christina Huang, clouded title, conspiracy, criminal, fis, foreclosure, Foreclosure Fraud, forgery, fraud, freddie mac, jessica ohde, kor, Korell Harp, LINDA GREEN, livinglies, lps, lps criminal investigation, MERS, mortgage electronic registration system, Mortgage Fraud, pat kingston, produce the note, recordings, Tywanna Thomas, wrongful foreclosure

About the Founder

Lynn Chase is a 10 year certified paralegal living at Ground Zero Las Vegas. In 2006, after selling a successful legal support company that Lynn owned and operated things were looking great. She owned a beautiful property with horses and views and it had been appraised at $850,000.00 in JULY of 2007. Prices clearly had already begun dropping, but the appraisal on her property actually had gone up from when she refinanced in December of 2006. She only refinanced because she had nothing but dirt in the back yard and wanted to build horse facilities and put in a pool, as she thought she would be improving the property and would still have nearly half a million in equity. This was not being financially reckless if the information she had been given by the bank had been accurate, and if they had disclosed the true nature of the deal they were making her a part of, her decisions would definitely have been different. As of Oct. 2, 2010 the home is currently worth $270,000.00 She was planning on selling the property after selling her business in 2006, however due to illness in the family that was postponed. Then the purchaser of her business defaulted and filed bankruptcy. His only asset was underwater. Next, following the death of a family member, came unemployment by her husband. They had saved for such a rainy day and no payment was ever missed to any creditor for over a year, but then the money ran out. When the realization came the income was not there anymore and may not be there for some time or ever, she began calling the banks before she missed any payments, She soon discovered that there was no hope and no help as the system is not set up to offer any real help to anyone that has been formerly a productive citizen, paying taxes, abiding by the rules, being conservative with investments, not carrying too much debt. Lately she likes to say half jokingly, “If I had known then, what I know now, I would have just been down at the casinos betting my money! Probably would have been safer and a lot more fun!” After trying all the government sponsored programs to “save your home” and not finding success she bewilderedly began researching why and how this could have happened. She did not get a subprime loan or no money down. She worked hard, contributed to charity, and was a good person. How did this happen? Well she found out, and with the help of thousands of Americans across the country she founded the Official ‘US Economic Crisis’ Survival Guide Center and built the website, and created this guide.

She knew one of her ancestors was Solomon P. Chase who was one of the people that signed the Declaration of Independence, but in her research she soon discovered that he was also one of the people that pushed to pass the National Banking Act 1863 Act- (ch. 58, 12 Stat. 665, February 25, 1863). “My agency in promoting the passage of the

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2012 Survival Guide for the Worst Case Scenario

 
 

  2012 Survival Guide

 
 

This Survival Guide is intended as a basic introduction on how to prepare for and react to events that may take place over the course of the years leading up to December 21, 2012. These skills and techniques are provided for information purposes only and are not intended to take the place of a professional survival or first aid training course. Rather, they are intended to increase your awareness of the lifesaving importance of preparation of the coming events, survival skills and to encourage you to research the events that may transpire.

For beginners interested in understanding the basics of December 21, 2012 and the Earth changing events, there is unlimited information available from many sources, and advances of knowledge and collaboration have led to a growing number of “watchers” and people that are preparing even though they do not believe something is to happen. Even so, at least they will be ready, and you should as well. Even if nothing is to happen then there will be ample number of supplies to last you for the coming years. What if the Earth does change rapidly, and you are not prepared? If you meet the minimal requirements to survive through Pole Shift, Volcanic Eruptions, Extreme Cold, Hurricanes, Tornados, Earthquakes, Land Shifts, Major Floods, Solar and Gamma Radiation then you are one more step in the right direction.

However, there is no substitute for experience in any of these extreme situations, and your reaction in a survival situation depends on your education and training. Always keep in mind that a survival situation mentioned above can happen to you. Be prepared and plan to be a survivor.

For too long, the term “survivalist” has called to mind paranoia, and the person that lives out in the woods. Nevertheless, as we continue on track towards our unknown future, we will not be called “survivalist”, but “survivors” as we will need every ounce of energy, every thought of our brain, and every inch of muscle to continue our existence here on planet Earth. The following pages are for the ones that may or may not believe what has been foretold, and what history has taught us throughout the years.

 
 

 
 

Read at your own discretion

 
 

 
 

 
 

 

Table of Contents                                                                                 

Chapter                                                                                             pg

 
 

 
 

1. The Basics………………………………………………………………………3

Food

Water

Shelter

2. Beyond the Basics….…………………………………………………………..14

Developing a Survival Mindset

Survival Awareness  

3. Disasters………………………………………………………………………..18

Floods

Earthquakes

Hurricanes

Tornados

Fire Storms

Volcanic Eruption

Asteroid impact

Radiation

Polar Reversal/Shift

Extreme Cold/Heat

Riot/Civil Disaster

Electricity Shortage

Tsunami

Alien Invasion

4. How To…………………………………………………………………………29

Fire

Shelter

First Aid

5. How can you Afford all this…………………………………………………………………..37

 
 

6. Check List……………………………………………………………………..38

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

 
 

Chapter 1: The Basics

 
 

 

 
 

If you’ve given any thought to survival, you know that food, water and shelter are the foundation of any long-term survival plan. If you prepare to provide these three items for yourself and family, you will be farther ahead than 90 percent of the public.

 
 

Many would say water is the most important of the three, but we’ll address them in the order of: Food, Water and Shelter. Below are some questions to ask yourself to better understand what specifics you will need to prepare for in your area of the world. (or to be safe, prepare for all)

 
 

What natural disasters or extreme conditions you likely to face in the next four years?

 
 

What other disasters or emergency situations might you face?

 
 

What are the ramifications of each?

 
 

What do you have now that you can use in any disaster situation?

 
 

How much is the minimum for you and your survival situation is an answer you’ll have to come up with after reviewing this survival guide, but don’t worry we will give a generic minimal survival pack.

 
 

 

 
 

Food

 
 

You may be able to survive a few weeks or even a month without food, but without food, you will become weak, susceptible to illnesses, dizzy and unable to perform survival-related tasks. Water may be more critical to short-term survival, but you will need every ounce of energy to get out of harms way, this is why food is also just as important.

 
 

Will a months worth of food be enough? Or do you need a year’s worth? 2012 Online cannot tell you what’s best in your situation, but we suggest that two weeks or more is the minimum for anyone in any of these potential survival situations. Why should you stock up on so much food if the worst you’re planning to prepare for is a just a little out of the ordinary?

 
 

Several reasons:

 
 

It may take a while for store shelves to be replenished especially as we approach December 21, 2012. Think back to a heavy storm that hit your area, was there enough supplies for everyone? Now imagine a whole country, or even the world needing the same supplies. Now there is a problem.

 
 

You may be asked to feed friends or neighbors.

 
 

You may or may not be protected from price gouging.

 
 

You need to be prepared for a crippling blow to our food supply system.

 
 

You will need an existing food supply and a future food supply

 
 

Your existing food reserve should not include food in your refrigerator or freezer because you cannot count on those items remaining edible for more than a day (fridge) or three (freezer), at most.

 
 

Examination of your existing foods in your cabinets will tell you how much you need to add to ensure you have enough food for a week. A suggestion of food storage is generally canned items (including items in jars) or dried foods. Review our list of commercial food items and their suggested storage times when making up your personal list but keep in mind your family’s eating habits, likes and dislikes. Also, remember that you may not have access to electricity, so pick food items and packaging that can be prepared on a single burner of a camp stove or even over an open fire.

 
 

 

 
 

Rotation of Foods

 
 

The main difference between the commercially prepared foods you buy in the grocery store and the specially prepared “survival” foods is the shelf storage. You can’t store grocery store items for five to ten years, as you can with specially freeze-dried or sealed foods packed in nitrogen or vacuum sealed. You need to rotate your items, either on an ongoing basis or every two to three months. This will ensure you have fresh food (if you can consider canned and dry food “fresh”) and do not waste your food and money.

 
 

As a general rule, traditional canned foods should be consumed within a year. For cans with expiration dates, such as Campbell’s soups, you may find you have 18 months or two years before they expire. Cans without a date, or with a code, mark them with the date purchased and make sure you eat them before a year passes.

 
 

 
 

Survival Foods

 
 

Simple raw materials for baking, such as flour, sugar, baking powder, baking soda, oil and shortening can be assets in a survival situation. For long-term survival storage, honey stores for years and can replace sugar in recipes. Rather than storing flour or meal, purchase the raw grain and a hand mill. Then you can mill your own flour whenever necessary. Red winter wheat, golden wheat, corn and other grains can be purchased in 45-pound lots packed in nitrogen-packed bags and shipped in large plastic pails.

 
 

Long-term storage falls into several categories:

 
 

Vacuum-packed dried and freeze-dried foods

 
 

Nitrogen packed grains and legumes

 
 

Specially prepared and sealed foods such as MRE’s (Meals, Ready-to-Eat) with a five-to-ten year shelf life

 
 

All offer one main advantage: long storage life. Some, such as MRE’s and packages sold to backpackers, are complete meals. This is handy and convenient, but they tend to be expensive on a per-meal basis. As the name implies, MRE’s are ideal for a quick, nutritious, easy-to-prepare meal. They are convenient to carry in the car, on a trip or on a hike. They have very long shelf lives (which can be extended by placing a case or two in your spare refrigerator). On the downside, they are very expensive on a per-meal basis and they do not provide as much roughage as you need. (This can lead to digestive problems if you plan to live on them for more than a week or two). Large canned goods, on the other hand, are difficult to transport. But if you’re stocking up your survival retreat or planning to batten down the hatches and stay at home, the large canned goods are easy to store and can keep you well-fed for months.

 
 

 
 

Remember, however, if you have four people in your family or survival group, purchasing a one-year supply of food will only equate to three months worth for the family. 2012 Online recommends purchasing the largest set of these canned, dried foods your budget can handle. Then supplement the set with items tailored to you and your family or survival group. You may also want to add a few special items, such as hard candy or deserts, to reward yourself or for quick energy.

 
 

While on the topic of supplements, don’t forget to add vitamins and mineral supplements. Fruits, green vegetables and other items rich in vitamin C and other nutrients may be scarce, so a good multi-vitamin is well worth the space it takes up in your stash.

 
 

 
 

Home Made Survival Foods

 
 

You can try to dry, vacuum-pack and otherwise prepare food for storage. Vacuum pumps are available commercially or can be constructed in your own home. You can use them to seal dried food in mason jars and other containers.

 
 

When packing foods for storage, you want to eliminate oxygen. Bugs, such as weevils, and other organisms that can destroy your food need the oxygen to live. That’s why commercial companies who prepare survival food pack grains, cereals, pasta, beans and other foods in nitrogen-filled containers. You can accomplish a similar packaging yourself by using dried ice.

 
 

Simply take the 10 pounds of noodles (or 25 pounds of rice or other dried food) you picked up from the warehouse and put them in an appropriately sized plastic bucket with a lid that can create a good seal. Then add several chunks of dried ice. As it sublimates, your bucket will fill with carbon dioxide, which will displace all or most of the oxygen (since carbon dioxide is heavier, the oxygen should rise to the top and out of the bucket). Place the lid on the bucket, but don’t seal it all the way until you think the dry ice has completely turned to gas. Remember, as soon as you open the bucket the air will come back in.

 
 

 
 

Hunting and Gathering in the Wild

 
 

It’s time to look to nature to help feed you. That’s great if you have acres of tillable land that was not destroyed. But if not, or if it’s too late, you will need to turn to hunting, trapping and gathering.

 
 

If you can identify wild plants that can supplement your existing diet, good for you. If not, better go out and buy a few guide books right away. Get ones with pictures, you’ll need them. If you’re a hunter, could you imagine what the local patch of forest would be like if everyone’s dinner depended on hunting? How quickly would we strip this continent of all edible game? Planning on fishing? So is everyone else.

 
 

 
 

Tip – Always drink while eating, your body looses lots of water while digesting. If you do not have water to drink – DO NOT EAT!

 
 

Water

As mentioned previously, water is probably the most necessary element for human life, with the exception of oxygen.

 
 

When planning your water resources for survival you need to deal with three areas:

 
 

Storing water

Finding or obtaining water

Purifying water

 
 

 
 

Storing Water

 
 

For your in-home cache or survival stash, you should count on two gallons of water per-person per-day. While this is more water than necessary to survive it ensures water is available for hygiene and cooking as well as drinking.

 
 

Commercial gallon bottles of filtered/purified spring water often carry expiration dates two years after the bottling date. A good rotation program is necessary to ensure your supply of water remains fresh and drinkable (see the previous chapter on food for information on rotation).

 
 

If you prefer to store your own water, don’t use milk cartons; it’s practically impossible to remove the milk residue. If you have a spare refrigerator in the basement or the garage, use water bottles (the kind soda or liters of water come in) to fill any available freezer space. In addition to providing you with fresh, easily transportable drinking water, the ice can be used to cool food in the refrigerator in the event of a power failure. For self-storage of large amounts of water, you’re probably better off with containers of at least 5 gallons. Food-grade plastic storage containers are available commercially in sizes from five gallons to 250 or more. Containers with handles and spouts are usually five to seven gallons, which will weigh between 40 and 56 pounds.

 
 

A 15 gallon and 30 gallon container used for food service such as delivery of syrups to soda bottlers and other manufacturers are often available on the surplus market. After proper cleaning, these are ideal for water storage as long as a tight seal can be maintained. 55 gallon drums and larger tanks are also useful for long-term storage, but make sure you have a good pump. Solutions designed to be added to water to prepare it for long-term storage are commercially available. Bleach can also be used as a last resort to treat water from municipal sources. Added at a rate of about 1 teaspoon per 10 gallons, bleach can ensure the water will remain drinkable.

  
 

Once you’re in a survival situation where there is a limited amount of water, conservation is an important consideration. While drinking water is critical, water is also necessary for re-hydrating and cooking dried foods. Water from boiling pasta, cooking vegetables and similar sources can and should be retained and drunk, after it has cooled. Canned vegetables also contain liquid that can be consumed. To preserve water, save water from washing your hands, clothes and dishes to flush toilets.

 
 

 
 

Short Term Storage

 
 

People who have electric pumps drawing water from their well have learned the lesson of filling up all available pots and pans when a thunderstorm is brewing. What would you do if you knew your water supply would be disrupted in an hour?

 
 

Here are a few options in addition to filling the pots and pans:

 
 

The simplest option is to put two or three heavy-duty plastic trash bags (avoid those with post-consumer recycled content) inside each other. Then fill the inner bag with water. You can even use the trash can to give structure to the bag. Fill your bath tub almost to the top. While you probably won’t want to drink this water, it can be used to flush toilets, wash your hands, etc. If you are at home, a fair amount of water will be stored in your water pipes and related system. To gain access to this water, you must first close the valve to the outside as soon as possible. This will prevent the water from running out as pressure to the entire system drops and prevent contaminated water from entering your house. Then open a faucet on the top floor. This will let air into the system so a vacuum doesn’t hold the water in. Next, you can open a faucet in the basement. Gravity should allow the water in your pipes to run out the open faucet. You can repeat this procedure for both hot and cold systems. Your hot water heater will also have plenty of water inside it. You can access this water from the valve on the bottom. Again, you may need to open a faucet somewhere else in the house to ensure a smooth flow of water.

 
 

 
 

Finding or Obtaining Water

 
 

There are certain climates and geographic locations where finding water will either be extremely easy or nearly impossible. You’ll have to take your location into account when you read the following.

 
 

Wherever you live, your best bet for finding a source of water is to scout out suitable locations and stock up necessary equipment before an emergency befalls you. With proper preparedness, you should know not only the location of the nearest streams, springs or other water source but specific locations where it would be easy to fill a container and the safest way to get it home. Preparedness also means having at hand an easily installable system for collecting rain water. This can range from large tarps or sheets of plastic to a system for collecting water run off from your roof or gutters. Once

you have identified a source of water, you need to have bottles or other containers ready to transport it or store it.

 
 

 
 

Purification

 
 

Water that is not purified may make you sick, possibly even killing you. In a survival situation, with little or no medical attention available, you need to remain as healthy as possible. Boiling water is the best method for purifying running water you gather from natural sources. It doesn’t require any chemicals, or expensive equipment, all you need is a large pot and a good fire or similar heat source. Boiling for 20 or 30 minutes should kill common bacteria such as Guardia and Cryptosporidium. One should consider that boiling water will not remove foreign contaminants such as radiation or heavy metals.

 
 

Commercial purification/filter devices made by companies such as PUR are the best choices. They range in size from small pump filters designed for backpackers to large filters designed for entire camps. Probably the best filtering devices for survival retreats are the model where you pour water into the top and allow it to slowly seep through the media into a reservoir on the bottom. No pumping is required. On the down side, most such filtering devices are expensive and have a limited capacity. Filters are good for anywhere from 200 liters to thousands of gallons, depending on the filter size and mechanism. Some filters used fiberglass and activated charcoal. Others use impregnated resin or even ceramic elements.

 
 

Chemical additives are another, often less suitable option. The water purification pills sold to hikers and campers have a limited shelf life, especially once the bottle has been opened.

 
 

Pour-though filtering systems can be made in an emergency. Here’s one example that will remove many contaminants:

 
 

Take a five or seven gallon pail (a 55-gallon drum can also be used for a larger scale system) and drill or punch a series of small holes on the bottom.

 
 

Place several layers of cloth on the bottom of the bucket, this can be anything from denim to an old table cloth.

 
 

Add a thick layer of sand (preferred) or loose dirt. This will be the main filtering element, so you should add at least half of the pail’s depth.

 
 

Add another few layers of cloth, weighted down with a few larger rocks.

 
 

Your home-made filter should be several inches below the top of the bucket.

  
 

Place another bucket or other collection device under the holes you punched on the bottom.

 
 

Pour collected or gathered water into the top of your new filter system. As gravity works, the water will filter through the media and drip out the bottom, into your collection device. If the water is cloudy or full of sediment, simply let it drop to the bottom and draw the cleaner water off the top of your collection device with a straw or tube.

(If you have a stash of activated charcoal, possibly acquired from an aquarium dealer, you can put a layer inside this filter. Place a layer of cloth above and especially below the charcoal. This will remove other contaminants and reduce any unpleasant smell or taste).

While this system may not be the best purification method, it has been successfully used in the past. For rain water or water gathered from what appear to be relatively clean sources of running water, the system should work fine. If you have no water source but a contaminated puddle, oily highway runoff or similar polluted source, the filter may be better than nothing.

 
 

Shelter

 
 

Frequently, when we think of shelter, we think of either our home or emergency protection, such as a lean-to constructed out of cut branches.

 
 

In many survival situations, shelter may be as near as your home. If you don’t need to evacuate, you may be better off at home, even if the power is off or the storm is threatening. Remember, your bug-out bag has the bare essentials; your survival stash at home should have enough food and water for weeks or even months.

 
 

If you are at home or in the vicinity during a natural disaster, your first course of action must be to determine where you will be safest. If you decide not to evacuate, you must then set about making your current residence as safe as possible. In many cases, this will mean moving into the basement or another protected part of the house. In an apartment or condominium, your best bet will probably be an interior room without windows, or even the basement of the apartment complex.

 
 

While many will find that there home, friend’s apartment or relative’s house is the easiest and most cost-effective safe house, the ultimate safe house or survival retreat would be a second residence located in a very rural location. During normal times, this survival retreat can double as your vacation home, hunting lodge or weekend getaway destination. But when the flag goes up, you can evacuate to a safe house fully stocked with everything you need for self sufficiency.

 
 

Safe Home should be:

 
 

Well off the beaten track, ideally reachable by a single dirt road. This seclusion will offer you a good bit of protection. For example, you can cut a large tree down across the road to help eliminate unwanted guests.

 
 

Near a spring, well, stream or other natural source of water.

 
 

Equipped with at least a fireplace or wood stove for cooking and heat.

 
 

Within 10 to 20 miles of a village or small town where you can go (by foot, if necessary) for additional supplies, news and other contact with the outside world, should the emergency stretch into months or longer.

 
 

Arable enough land to grow your own vegetables and other crops.

 
 

Near a natural, easily harvestable food source (usually wildlife for hunting or fishing).

 
 

Provisioned with enough food to keep your family safe for at least three months, preferably a year.

 
 

Provisioned with tools necessary for long-term self sufficiency, should it become necessary.

 
 

Stocked with enough weapons and ammunition to defend it from small groups of marauding invaders, should it come to that.

 
 

If you are worried about caching goods in a unattended house, where they could be stolen, you can cache a supply nearby. While most caches are buried in hidden locations, a simple solution to this dilemma is to rent a commercial storage unit in a town close to your retreat. This has several advantages:

 
 

As long as you have access to the facility 24 hours a day (one of those outside storage areas where you use your own lock is best) you can get to your supplies when necessary.

 
 

It will be much easier to make a few trips to and from the nearby storage facility and your safe house than carry everything with you from home.

 
 

It’s easier to check on the status and add materials to this type of cache than one buried in a secluded location.

 
 

In a worst case scenario, you can hoof it to the storage area, spend the night inside and hike back the next day with a full backpack.

 
 

Of course, for the ultimate protection, a buried or other hidden cache is hard to beat. The is especially true for the long-term storage of ammunition and weapons that are or may one day be considered illegal.

 
 

 
 

Chapter 2: Beyond the Basic

 
 

 
 

 
 

Based on the previous section, you should have a good idea of the potential survival situations you might be facing. Now the question is whether to stay and face them or move to another, safer location.

 
 

At the first hint of trouble and rising prices, visit the local food warehouse and grocery stores and buy as much as you can afford. Get the 50 pound bags of rice and the 25 pound bags of flour. Use your credit cards and part of your emergency cash stash, if necessary.

 
 

Hunker down at home and protect what is yours.

 
 

Keep a low profile and avoid contact with others, except fellow members of your survival group. Avoid trouble and confrontations.

 
 

Hope that within six months the country will have recovered or at least stabilized. If not, the population will probably be a lot smaller when this is over.

 
 

 
 

 
 

We all have a strong desire to protect what’s ours. Thankfully, there are times when staying at home makes the most sense. If you can wait out the events of December 21, 2012 at your home, batten down the hatches and stay at home, it may be your best bet. There are many advantages to staying home in a survival situation, if you can safely do so:

 
 

 
 

The food in your refrigerator and pantry can supplement your survival stash (see the previous chapter).

 
 

If you loose power, you can quickly cook much of your food and monitor the temperature of your freezer (frozen food will usually keep at least 24 hours).

 
 

You’ll have more time to improve your home’s chances of survival (move items to high ground, put plywood over windows, etc.)

 
 

It offers shelter against most elements*.

 
 

You’ll have access to all your clothing, bedding and other comforts.

 
 

You won’t suffer from boredom as much as you might in a shelter.

 
 

You can protect your stuff from looters.

 
 

 
 

Of course, there is a downside as well:

 
 

You could be putting yourself in unnecessary, life-threatening danger. (The polar shift, flood, hurricane, riot, asteroid, volcano etc. might be worse than anticipated).

 
 

You will be without heat, electricity, hot water and other services.

 
 

You may feel cut off and alone.

  
 

 
 

*will not protect against any radiation

 
 

 
 

 
 

When disaster strikes, home isn’t the only option.

 
 

In a large building, you can count on a security force that will probably be smart enough to lock the doors and take some action to prevent access to the building by a crowd. If you think the building is being overrun by rioters, pull the fire alarm. This will result in all the elevators being recalled to the lobby and they won’t run again until they are reset.

 
 

On your floor or in your suite, bar the door, check your personal weapon and, if there are enough people present, assign some people to stand guard. If you are alone on the floor, or there are invaders in the building, look for a good hiding place.

 
 

Shopping centers, fast food restaurants and other public buildings also may offer some protection when disasters strikes, but they could be targets for looting, so you will want to avoid them. In a severe survival situation, you need to look out for your immediate family. So if you’re trying to get out of the city in an emergency and your car breaks down, who’s going to blame you for breaking into that empty house and seeking shelter? In a life-or-death situation, property crimes will be the least of your worries.

 
 

No matter how much you wish to stay at home, there are times when evacuation is the only choice. These include an asteroid, tsunami, nuclear or biological event as well as any impending disaster that is likely to destroy your home. So, if the survival situations you outlined in the previous section show several emergency situations requiring evacuation, you’ll need to put together a plan:

 
 

 
 

The Evacuation Plan

 
 

There are several important elements to your evacuation plan:

 
 

Where to go

How to get there

What to bring with you

 
 

Sure, you can head to the nearest shelter, but if sitting on cots at the local high school gymnasium or National Guard Armory was your first choice, you probably wouldn’t be reading this.

 
 

You need a safe house or survival retreat in a location where the current crisis will not threaten you. The easiest way to set up a safe house is to coordinate with a friend or family member located between 100 and 150 miles away, preferably in a different setting. For example:

 
 

If you’re in the inner city, they should be in a rural area or at least a smaller town, preferably not the suburbs of your city

If you’re near the coast, they should be inland

If you’re near a flood plain, the safe house should be on higher ground.

Following these guidelines, you can be relatively sure of several things:

 
 

Whatever disaster you are facing should not affect them, and vice versa. This allows you to trade off, so when they are facing a survival situation, your home can be their safe house.

 
 

If you plan in advance, you can leave a few changes of old clothes, a toiletries kit, necessary prescription drugs, ammunition, some MRE’s or anything else you might need at the safe house. This will make your evacuation easier.

 
 

 
 

Chapter 3: Disasters

 
 

 
 

Floods

 
 

The best way to prevent damage from flooding is to move before one occurs. Seriously, don’t live on a flood plain unless you have no choice. If you learned anything in the last decade, it should be floods can and do occur in low-lying areas previously thought safe. Rivers and streams rise to record levels, levy’s break, and there’s just too much concrete for the ground to absorb all that rain.

 
 

If you’re stuck in a flood, follow your instincts and move to the highest ground possible. Exercise caution when traveling because it doesn’t take much water to float a car or pick up truck.

 
 

 
 

Earthquakes

 
 

The old advice of standing in a doorway or hiding in the closet or under a table is better than running around panic-stricken, and it may just save your life. If you live in an earth-quake prone area, prepare for it by ensuring your home meets current building standards and you have plenty of food and water stashed away.

 
 

If you live through the few minutes of the earthquake, and your house hasn’t collapsed, the greater damage may be yet to come. Broken gas lines can cause fires and your house may be condemned, leaving you homeless. Plan for such contingencies by having a plastic (non-sparking) wrench available to turn off your gas main and including a good three-day pack including a tent.

 
 

 
 

Hurricanes

 
 

Hurricanes are one of the few disasters for which you can anticipate some warning. If your home is near the shore and the rising surf is threatening, or you appear to be in the direct course of the hurricane, you may be better off evacuating to higher ground. Whether or not you choose to evacuate, tremendous structural damage can be caused by objects hurled through windows. Once a window is open, the power of the hurricane can actually blow the roof off the top of the structure!

 
 

To protect yourself and your property, windows should be covered with plywood or commercial hurricane shutters. 2012 Online recommends hurricane shutters, made from tough clear polycarbonate and allow light to enter the window, unlike their steel and aluminum counterparts. Garage doors should also be reinforced and the door between the garage and the house itself should be locked and secured.

 
 

Hurricanes cause damage in multiple ways: high winds, flooding, downed trees and utility poles and storm surges. The farther in-land your location, the less power the hurricane will have by the time it reaches you, so pick your location carefully.

 
 

If you decided to stay in your home, you should pick an interior room with no windows. If you plan far enough in advance, you can reinforce the room with 2×6 boards or otherwise construct a cage to protect you from fallen trees, caved-in walls or other storm damage. Move whatever survival supplies you will need into the room, especially a battery powered light and radio.

 
 

 
 

Tornadoes

 
 

While tornadoes cannot be predicted as early as hurricanes, current weather forecasting technology will often tell us when atmospheric conditions are right for their formation. By sticking around the homestead during a tornado watch, you can help protect yourself from the tremendous damage twisters can cause.

 
 

A direct hit from a funnel cloud can turn a wooden home into a pile of chopsticks, toss a minivan around like a tumbleweed and knock trees down faster than Paul Bunyon. So if you live in a tornado-prone area, you might be wise to invest in an underground shelter, ala the Wizard of Oz. (You can use it as a root cellar or nuclear survival shelter as well.)

 
 

If you live in an area not known for tornadoes, but suddenly one is baring down on you, your next-best bet is the basement, preferably in the corner closest to the direction of the tornado.

 
 

If you are driving around and a tornado is looming, park under an underpass and run up as high as you can under it. If caught out in the open, head for the lowest ground possible, even a drainage ditch is better than nothing.

 
 

 
 

Fire(s)

 
 

If a fire occurs in your home you may have to get out in dark and difficult conditions. Escaping from a fire will be a lot easier if you have already planned your escape route and know where to go. Make sure that your planned escape route remains free of any obstructions and that there are no loose floor coverings that could trip you. Everyone in the house should be made aware of the escape route

 
 

It only takes an unguarded or careless moment for a fire to start. A couple of minutes later and your home or land around could be filled with smoke. Smoke and fumes can kill, particularly the highly poisonous smoke from some furnishings. You will only have a short time to get out. Use it wisely and try not to panic.

 
 

If you can safely do so, close the door of the room where the fire has started and close all other doors behind you. This will help delay the spread of smoke.

 
 

Before opening a closed door, use the back of your hand to touch it. Don’t open it if it feels warm, the fire may be on the other side.

 
 

Get everyone out as quickly as possible. Don’t try to pick up valuables or possessions except your what you need for survival.

 
 

Make your way out as safely as possible and try not to panic.

 
 

It will help if you have planned your escape route rather than waiting until there is a fire.

 
 

 
 

What to do if you’re cut off by fire

 
 

It is not easy, but try and remain calm. Save your energy to help you survive

 
 

If you are prevented from getting away because of flames or smoke, close the door nearest to the fire and use towels or sheets to block any gaps. This will help stop smoke spreading into the room.

 
 

Go to the window. If the room becomes smoky, go down to floor level – it’s easier to breathe because the smoke will rise upwards.

 
 

If you are in immediate danger and your room is not too high from the ground, drop cushions or bedding to the ground below to break your fall from the window.

 
 

Get out feet first and lower yourself to the full length of your arms before dropping.

 
 

 
 

Wilderness Fires

 
 

If you are caught in the middle of a dangerous fire storm, your best option is to seek a water source and stay near it. Go under ground if possible, but you need to leave an escape route if the fire changes course. With any fire situation, you always need to know escape routes and have back up plans.

 
 

 
 

Volcanic Eruption

 
 

Keep in mind the center of Earth is molten rock, and a volcanic eruption can occur almost anywhere, but there is not much an individual can do to prepare for a volcanic eruption. Be aware of the hazards that can come with an eruption: the flying debris, hot gases, lava flows, and potential for explosion, mudslides, avalanches, and geothermal areas. Prepare provisions, water, food, blankets, and medical supplies if you live around a volcano before anything happens.

 
 

Also be ready to get up and outrun flowing lava.

 
 

Use caution when around or near active volcanoes.

 
 

Do not venture toward any activity, and consult local experts on the area.

 
 

Follow all recommendations, regulations, or requests of officials.

 
 

Here are some things to watch out for:

 
 

Lava flows – Stay away from lava flows. Not all of them will be red-hot and obvious; some move very slowly and appear as dark and solid, but are liquid beneath the surface. Also, do not try to cross an active flow; you might get trapped by multiple lava streams.

 
 

Pyroclastic flow – Do not visit volcanoes that are having or are about to have Pyroclastic explosions. The high temperature around such a volcano can itself be life-threatening.

 
 

Volcanic domes – Volcanic domes and plugs in craters may seem harmless, but they can explode without warning. Footing and glassy rocks can also be very dangerous. Some cooled lava of this sort can resemble jagged pieces of glass. Wear good, solid hiking boots on the mountain – never go barefoot. Be sure of your step.

 
 

Lahars and floods – Be careful when crossing lahars (debris flows), for they can gush in large and small floods.

 
 

Gases – Avoid areas where volcanic gas is released. Carbon dioxide, sulfur dioxide, and hydrogen sulfide can kill quickly and silently. You may not be able to hold your breath long enough. If you see a location around an active volcano with dead vegetation, carcasses, or bones, do not enter it.

 
 

Geothermal areas – hot springs, mud pots, and geysers are also very interesting, but don’t go across unexplored areas that contain many of them. Stay on marked trails, because the thin silica crusts over boiling pools can break if stepped upon. If you Fall in, it can potentially cause third-degree burns or even death.

 
 

 
 

Before an Eruption Occurs:

 
 

Discover whether there are volcanic hazards in the area likely to affect you.

 
 

If you live in an active volcanic zone, always assume that you may have to deal with the effects of an eruption.

 
 

If you live in an area that could experience a lava flow during a volcanic eruption, know a quick route to safe ground.

 
 

If Vulcanologists agree that a life-threatening eruption is likely to take place, a Civil Defense Emergency will be declared and the danger area evacuated. Listen to your radio or TV if all is working, for information.

 
 

During an Eruption:

 
 

Save water in your bath, basin, containers or cylinders at an early stage – supplies may become polluted.

 
 

Stay indoors as much as possible.

 
 

Wear mask and goggles if you go outside, to keep volcanic ash out of your eyes and lungs.

 
 

Take your outdoor clothing off before entering a building, volcanic ash is difficult to get rid of.

 
 

Take your Getaway Kit with you if you have to leave. Turn electricity and gas off at the mains. If you turn gas off, have a professional check for leaks in case of damage before turning gas on again.

 
 

Keep below ridge lines in hilly terrain, the hills will offer some protection from flying volcanic debris.

 
 

A good pre-planned emergency plan should account for this possibility and provide alternative routes.

 
 

 
 

Near Earth Objects (NEO’s)

 
 

A reasonably large asteroid of 200 meters (600 feet) in diameter crashing into the Atlantic Ocean could create a tsunami (a giant tidal wave) that would sink both Britain and the entire East Coast of the United States within minutes. If an asteroid at least 1 kilometer in size hit Earth, it would cause a dust cloud which would block out sunlight for at least a year and lead to a deep worldwide winter, exhausting food supplies.

So this threat is real, but the chances of an NEO over one kilometer (3,000 feet) long hitting the Earth soon are practically 1-100. Even so you do need to have an contingency plan in place if this was to happen. The evidence of impact is all around us. But we will focus on the smaller car size asteroids in this section, because if there was a massive asteroid heading our way we would be given advanced warning (hopefully).

 
 

 
 

 
 

So what do you do

For a land impact, it can be said that an object of roughly 75 meters (225 feet) diameter can probably destroy a city and a 160-meter (480-foot) object can destroy a large urban area. If there is an expecting meteor shower, stay tuned to local government officials and monitor the sky.

Impacts from smaller object are almost impossible to predict the impact zone

If you live near a cave system, you may want to go and set up a temporary shelter there, or if you live in the city, go to the lowest point of the building (in an emergency, but not recommended due to possible building collapse). Other possibilities are:

Nuclear fallout shelters

Steel structures

Subway systems

Do not:

Stay outside during a meteor storm

Stay on the top of buildings

Go to the debris of the Meteor 

Always have your survival stash available

 
 

Extreme Cold

 
 

While people do die in their homes due to bitter winter weather, these deaths are often caused by kerosene heaters or other sources of heat. Fire is a danger with any secondary heat source, including wood stoves, fireplaces, kerosene, propane and electric heaters, but they can be managed to reduce fire hazards. Carbon monoxide poisoning is also a concern which must be considered when using untraditional heat sources, such as gathering around the gas oven and opening the door.

 
 

 Another danger is freezing to death if the power fails. People often think they will be OK because they have a gas or oil furnace. This is a fallacy, because the gas furnace needs an electric fan to move warm air throughout your house while even the oil furnace probably has an electric starter and/or fuel pump.

 
 

 A secondary source of heat is important, and wood stoves are probably the most efficient. While fire places send much of the heat up the chimney they share with wood stoves the conveniences of being able to find fuel all around you, from books to furniture. (Let’s face it, most of have too much junk in our houses anyway.) You can also cook over them in a pinch, and when the blizzard is howling around your house, a cup of hot chocolate tastes twice as good and restores the spirits.

 
 

Kerosene and propane heaters can also crank out the BTUs in an emergency but probably require ventilation (check the manufacturer’s literature for specifics).

 
 

A key to keeping warm with these back-up heat sources is not to try to heat the entire shelter. Gather everything you think you might need into a single space and close it off. Use any blankets you can spare over openings, if necessary to reduce drafts. Gather together under your comforters and share your body heat.

 
 

If you find yourself in open terrain, a snow cave will provide good shelter. Find a drift and burrow a tunnel into the side for about 60 cm (24 in) then build your chamber. The entrance of the tunnel should lead to the lowest level of you chamber where the cooking and storage of equipment will be. A minimum of two ventilating holes are necessary, preferably one in the roof and one in the door.

 
 

 
 

Extreme Heat

 
 

Prepare ahead of time for the hottest days that may come. Freeze gallons of water in big blocks of ice if you have a large freezer (like we discussed in the previous chapters). Refilling plastic gallon water bottles with tap water and freezing works well. The larger the blocks of ice you have the longer they will take to melt when you need them so go for gallon size containers if you have the freezer space. These blocks of ice can be used to cool a fragile person by placing on a thick towel in a shallow pan and fanning the air with a hand held fan over the ice and over the persons head and neck area. They can also be used by wrapping them in a pillow case and placing them around the head, in the armpit area, and in the groin area. Be extremely cautious not to allow the ice to contact the skin. Place several layers of material between the skin and ice to prevent frostbite and check every few minutes to make sure you are not freezing the tissue.

 
 

Symptoms of dehydration

 
 

It is very important to recognize the first dehydration symptoms and act before your state becomes serious. Described below are the most common first symptoms of dehydration:

 
 

Fatigue

 
 

Dark urine with a very strong odor

 
 

Low urine output

 
 

Emotional instability

Delayed capillary refill in fingernail beds

 
 

Loss of skin elasticity

 
 

Trench line down center of tongue

 
 

Thirst

 
 

Avoid overheating

 
 

When you overheat, your body starts to sweat. This may be good because naturally the body is trying to cool itself, but overtime too much sweat wastes your precious water supply. Always adjust your clothing so that you don’t sweat too much. Open your jacket a little bit or remove an inner layer of your clothing.

 
 

Wear loose clothes

 
 

Do not expose your body directly to the sun

 
 

Protect your head

 
 

Find time to rest under a shaded area

 
 

If you’re wearing your clothes too tight you may restrict blood circulation. It can also decrease the volume of air between the layers, which reduces the cooling value.

 
 

 
 

Solar Radiation

 
 

On Earth, solar radiation is obvious as daylight when the sun is above the horizon. This is during daytime, and also in summer near the poles at night, but not at all in winter near the poles. When the direct radiation is not blocked by clouds, it is experienced as sunshine, combining the perception of bright white light (sunlight in the strict sense) and warming. The warming on the body and surfaces of other objects is distinguished from the increase in air temperature.

 
 

Increased solar rays could possibly happen here on Earth, and you need to do what ever necessary to stay out of the Sun during the day. If there is a possible Red/Brown Dwarf the solar ray can be amplified ten fold as the object gets closer to Earth.

 
 

So what do you do

 
 

Previously mentioned, make sure to stay out of direct sunlight, or if you feel immediate warming to your skin you need to seek cover. This will not protect you fully but lessen the amount of radiation you receive.

 
 

Seek your shelter; preferably a cave or underground structure will help with the defense

 
 

Put on your PPE if you need to venture out during the day (see the next chapter)

 
 

 
 

Polar Reversal/Shift

 
 

In the next few years, polar reversal will take place on earth. This could possibly mean that the North Pole will be changed into the South Pole and South to North. The science can only be explained by the fact that the earth will start rotating in the opposite direction, together with a huge disaster of unknown proportions. Or the poles could actually shift positions by a few miles which would still cause unwanted disasters.

 
 

See previous disasters which would be caused by this shift (minus the asteroids)

 
 

 
 

Riot/Civil Disaster

 
 

After a disaster, you may have to protect your home and belongings from looters. Sure, they’ll probably march out the National Guard, but like the police, they can’t be everywhere all the time. Just as you are assuming responsibility for your survival by reading this guide, you’ll need to assume responsibility for protecting yourself from human predators.

 
 

 
 

Tsunami

 
 

A tsunami is a series of destructive and very dangerous waves that result from earthquake activity or some other type of underwater disturbance (meteorite, landslide, underwater volcanic activity etc.). In order to survive a tsunami, you must be prepared, vigilant, and calm.

 
 

Your at risk if:

 
 

Your home, school, or workplace is in a coastal region, near the sea

 
 

The elevation of your home, school or workplace is at sea level or fairly low and on flat

or only slightly elevated land. If you don’t know the elevation level of your home, school or workplace, find out

 
 

There are warning signs indicating that your area is prone to tsunamis

 
 

Your home, school, workplace etc. buildings are not tsunami resistant

 
 

Prepare in advance. If your research demonstrates that you are at risk, prepare both an evacuation plan and your survival stash.

 
 

Natural warnings can help to indicate the imminent arrival of a tsunami. Be aware that in many cases, these may be the only warnings you will get in the coming years. Be self-responsible and keep you and your family, friends and colleagues safe. Natural signs that herald the possibility of a coming tsunami include:

 
 

An earthquake: If you live in a coastal zone (by the sea), the occurrence of an earthquake should be immediate cause for alarm and evasive action.

 
 

Rumbling under the ground: Even if there is no actual “earthquake” but you can perceive sizable rumbling under the ground, heed this warning.

 
 

A rapid rise and fall in coastal waters. If the sea suddenly recedes, leaving bare sand, this is a major warning sign that there is about to be a sudden surge of water inland.

 
 

Watch for animals leaving the area or behaving abnormally, such as trying to seek human shelter or grouping together in ways they would not normally do.

 
 

Take action

 
 

If a tsunami is likely to make landfall on your coastal region, react immediately. Put into place the Evacuation Plan.

 
 

Move immediate movement away from the coast, lagoons or other bodies of water next to the coast is essential.

 
 

Head inland: This means going up to higher ground and even into hills or mountains.

 
 

Climb high: If you cannot head inland because you are trapped, head up. Although not ideal, if this is your only option, choose a high, sturdy and solid building and climb up it. Go as high as you possibly can, even onto the roof or sturdy trees.

 
 

React quickly if you are stranded in the water. If you did not manage to evacuate but find yourself caught up in the tsunami, there are things that you can do to try and survive:

 
 

 
 

Grab onto something that floats

 
 

Abandon belongings

 
 

Keep away for at least half a day, if not longer. A tsunami comes in waves

 
 

Try to get reliable information

 
 

A good pre-planned emergency plan should account for this possibility and provide alternative routes. Go into survival mode and be prepared for anything else that could happen, do not let your guard down.

 
 

 
 

Electricity Shortage

 
 

We have lived without it in the past, and we can live without it now.

 
 

That is simple to say when we rely so heavily on the use of electricity. It just make our lives that much easier, so in the event of a disaster and after you have made it to a safe haven, it is time now to review the basics.

 
 

Generators are a good way to provide energy, but awfully hard to lug around and are dependant upon a natural resource that may or may not be readily available. So you should plan for the worst, break out the matches.

 
 

 
 

Alien Invasion

 
 

At the time this survival guide was written, there is no information on how to maintain your existence if alien invaders showed up to visit. With that said, 2012 Online recommends hiding. 

 
 

Chapter 4: How To

 
 

Fires

 
 

The ability to construct and know how to make a fire can make the difference between life and death in a survival situation. Fire making is one of the most vital survival skills. You should practice and learn different methods so you know how to start a fire anywhere, and under any condition.

 
 

Several needs:

 
 

A fire can fulfill several needs. It can keep you warm and dry. You can use it to cook food, purify water and to sterilize bandages. It can scare away dangerous animals and its smoke can keeps flying insects at bay.

 
 

To make a fire you have to understand that there are three components needed: air, heat and fuel. The correct ratio of these components is very important for a fire to burn at its greatest capability

 
 

Preparation

 
 

You will have to decide what site and arrangement to use. Before building a fire consider:

 
 

The area (terrain and climate) in which you are operating

The materials and tools available

Time: how much time you have

Need: why you need a fire

Security: do you want unwanted attention

 
 

Look for a dry spot that:

 
 

Is protected from the wind

Is suitably placed in relation to your shelter (if any)

Will concentrate the heat in the direction you desire

Has a supply of wood or other fuel available

 
 

 
 

 
 

If you are in a wooded or brush-covered area, clear the brush and scrape the surface soil from the spot you have selected. Clear a circle at least 1 meter in diameter so there is little chance of the fire spreading. If time allows, construct a fire wall using logs or rocks. This wall will help to reflector direct the heat where you want it. It will also reduce flying sparks and cut down on the amount of wind blowing into the fire. However, you will need enough wind to keep the fire burning. In some situations, you may find that an underground fireplace will best meet your needs. It conceals the fire and serves well for cooking food. To make an underground fireplace:

 
 

Dig a hole in the ground.

 
 

On the upwind side of this hole, poke or dig a large connecting hole for ventilation.

 
 

Build your fire in the hole

 
 

Battery

 
 

Use a battery to generate a spark. Use of this method depends on the type of battery available. Attach a wire to each terminal. Touch the ends of the bare wires together next to the tinder so the sparks will ignite it.

 
 

Flint and Steel

 
 

The direct spark method is the easiest of the primitive methods to use. The flint and steel method is the most reliable of the direct spark methods. Strike a flint or other hard, sharp-edged rock edge with a piece of carbon steel (stainless steel will not produce a good spark). This method requires a loose-jointed wrist and practice. When a spark has caught in the tinder, blow on it. The spark will spread and burst into flames.

 
 

Fire-Plow

 
 

The fire-plow is a friction method of ignition. You rub a hardwood shaft against a softer wood base. To use this method, cut a straight groove in the base and plow the blunt tip of the shaft up and down the groove. The plowing action of the shaft pushes out small particles of wood fibers. Then, as you apply more pressure on each stroke, the friction ignites the wood particles.

 
 

 
 

Shelters

 
 

If you find yourself not around any structures or your survival shelter, or if it’s not safe, a temporary shelter may be raised up in the wilderness. A small shelter which is insulated from the bottom, protected from the elements and contains a fire is extremely important in your survival situation. Before building your shelter be sure that the surrounding area provides the materials needed to build a good fire, and a good water source.

 
 

Wilderness shelters may include:

 
 

1. Natural shelters such as caves and overhanging cliffs. When exploring a possible shelter tie a piece of string to the outer mouth of the cave to ensure you will be able to find your way out. Keep in mind that these caves may already be occupied. If you do use a cave for shelter, build your fire near its mouth to prevent animals from entering.

 
 

2. Enlarge the natural pit under a fallen tree and line it with bark or tree boughs

 
 

3. Near a rocky coastal area, build a rock shelter in the shape of a U, covering the roof with driftwood and a tarp or even seaweed for protection

 
 

 
 

First Aid

 
 

If an accident occurs in the wilderness it will be your responsibility to deal with the situation. The specific sequence of actions when dealing with this situation is:

 
 

Remain calm, providing your patient with quiet, efficient first aid treatment

 
 

Keep the person warm and lying down. Do not move this injured person until you have discovered the extent of the injuries

 
 

Start mouth-to-mouth resuscitation immediately if the injured person is not breathing

 
 

Stop any bleeding

 
 

Watch carefully for signs of shock

 
 

Check for cuts, fractures, breaks and injuries to the head, neck or spine

 
 

Do not allow people to crowd the injured person

 
 

Do not remove clothing unless it is imperative

 
 

Decide if the person can be moved to a proper medical facility. If this is not possible, prepare a suitable living area in which shelter, heat and food are provided

 
 

 
 

Shock

 
 

Shock is a depression of all of the body processes and may follow any injury regardless of how minor. Factors such as hemorrhage, cold and pain will intensify shock. When experiencing shock the patient will feel weak and may faint. The skin becomes cold and clammy and the pulse, weak and rapid. Shock can be more serious than the injury itself.

 
 

Use the following method to prevent and control shock:

 
 

1. If there are no head or chest injuries, place the patient on his/her back with the head and chest lower than the legs. This will help the blood circulate to the brain, heart, lungs and other major organs.

 
 

2. If severe head and chest injuries are present elevate the upper body. If chest injuries are present, elevate the injured side to assist in the functioning of the uninjured lung.

 
 

3. If the injured person becomes unconscious, place him/her in a face down position to prevent choking on blood, vomit or the tongue.

 
 

4. Keep your patient warm and under shelter.

 
 

 
 

Stopped Breathing

 
 

If breathing has stopped, begin mouth-to-mouth resuscitation. Place the patient on his/her back and follow these steps:

 
 

1. To open the airway lift the person’s neck and tilt the head back

 
 

2. Keep the neck elevated; pinch the nostrils to prevent air leakage

 
 

3. Place your mouth completely around the person

 

 

2012 Survival Guide Contributed By 2012online.org

 

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