We received the following plea for help. I have changed the name to protect privacy. But both the plea and the answer are applicable to many people, which is why we are publishing the Garfield Handbooks. I will shortly publish a way for you to down load the books and forms and purchase the book on line or in hard…[...]

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Unfair Competition by Large Banks Created the Infrastructure for this MessA few people have asked: Why not do a story on the alternative to the cash-dispensing ATM? After considering the research, and seeing a connection with the mortgage meltdown crisis because this situation is the single greatest marketing tool used by  large financial institutions to decentralize banking deposits (sucking local…[...]

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Thank you all for your comments and suggestions. Very good thinking going on out there. The Garfield Handbooks will be completely ready to start downloading in about 3 weeks. I'll keep you advised. We will be taking PayPal, Visa and MasterCard. Possibly American Express and Discover as well. We are presented with two issues that are sucking the economic and social…[...]

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Mortgage Meltdown: Right and Wrong and the LawSalmon Chase was part of the solution during the civil war when he made decisions and advised the President and lent his formidable name to plans that salvaged the currency of the young Republic, the economy of the nation, and the unity of a government experiment. Chase Bank bears his name. He was…[...]

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Mortgage Meltdown: Defending Your Property --- A Summary of StrategiesThis post is for both homeowners and attorneys dealing with existing foreclosure, threatened foreclosure or distressed situations. There are many situations, particularly in government-backed loans, where the lender MUST negotiate to mitigate losses or they are subject to treble damages. This posting is not intended to be legal advice inasmuch as…[...]

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“Fund Frozen, Florida Towns Feel the Pinch”That’s the title of an article in today’s NY Times, excerpted below. What everyone needs to realize is that early and reliable calculations of damage from the credit crisis caused by the mortgage meltdown are now over $45 trillion (yes with a “T”) just domestically in the United States. Each time people take another…[...]

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Mortgage Meltdown: Who is to Blame?In a word: everybody. Right now we need to put that aside and get to correcting the problem. Articles are coming fast a furious about “fraud” against the banks. See the latest LA Times articles where Lehman Brothers got stuck with an inflated price and a borrower whose paper net worth was not worth the…[...]

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We the People: Fighting BackAt first the U.S. Constitution was written without the Bill of Rights --- 10 Amendments that spelled out the specifics of what the founders were looking for when they established the Republic for which we stand. When you read the whole Constitution, which isn't long, and the Bill of Rights, which isn't long either, you see…[...]

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You must read Floyd Norris’s article in today’s New York times if you want to get a grasp on the risks facing the economy, everyday living, and virtually all U.S. investing. See “Credit Crisis? Just Wait for a Replay.” The article itself was very good in describing the real depths of the risks facing us, the difficulties in assessing how bad…[...]

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 How to Benefit from the Mortgage Meltdown:Tax assessments are heading south along with home valuations --- at the moment. Price declines from lower demand and oversupply will continue in many places for years to come. If the experts are right, the first thing we can already see happening is that revenues from taxes based upon real estate valuation are declining and…[...]

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