Ask the lender for original mortgage note, this may be the foreclosure stopper.

A study made by University of Iowa in 2007 concluded that companies servicing mortgages are often negligent when it comes to producing the documentation to support foreclosures. The study of 1700 bankruptcy cases stemming from home foreclosures found that 40% of the time the original mortgage note was missing along with other required documents.

Asking a judge to compel production of hard-to-find or non existent documents can delay foreclosure. Using this tip the homeowner buys some time and renegotiate the mortgage.

Way this is happening?

The past decade of real estate business frenzy generated by low interest rates and easy to lend procedure produced new security instruments. Mortgages were sold and resold, bundled into new financial instruments named securities and sold to investors around the world.

Today lawyers, homeowners and advocates advice for produce-the-note strategy.


Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

Economic recovery is starting about one to two years before the unemployment numbers get smaller

Financial crisis, recession, unemployment is deepening or on the rise. What a mess! My today enthusiasm gauge for blogging is close to zero, but I do not give up. I have some ideas to share with you.

From 2001 - 2003 recession I learned that economic recovery is starting about one to two years before the unemployment numbers get smaller.

Since 1854, the US economy has gone through 32 business cycles (recessions and recoveries). In other words, the direction of economic activity eventually changed. Many times in these past cycles, the economy started to recover well before employment turned up.

The companies can use layoffs to increase efficiency, laying the groundwork for future increases in profits and wages for their remaining workers. What that means is that a 1% loss in jobs results in a smaller than 1% loss of production. And using assets more productively frees up resources to do "new" things. We have lost millions of farming jobs over the decades and centuries, but
The nation as a whole is more prosperous as a result, not less.

Right now some economists scrutinize home sale and manufacturing orders for more positive signs. They know that the media and everybody else will be aware of economic recovery when this process has already got momentum.

So what is the good news right now?

The spring is coming in few days or weeks.
The days get longer and we will spend more time outside or in day light. Getting out of winter depression, building more endorphins and a new optimism will add to more energy for job search or more enthusiasm for current work. What about starting a new business?
Every spring smart employers start considering if it is the time for a new economic cycle. Overtime for workers first and new hiring later will translate in new/repackaged products. What products?

What goods sell well in down market?

- Entertainment, games, movies, and the like will continue to sell.
- More food for less money - five foot long, two burritos for pennies, etc.
- Cell phones and internet communication will sell well;

Everything is getting negotiable: houses, mortgages, cars, luxury items, trips and cruises. Not necessarily all are bargains or a must have items but it is worth a tray if you have the time, disposable cash or credit.

I think the automotive industry will shade more jobs and the leaner companies with financial support from government will compete better in current environment. Many drivers will give up or the winter will kill the old unsafe cars. The need for decent transportation will propel the demand at General Motors and Ford car dealers. This is happening every spring regardless of economic cycle.

Obviously I am the guy that is looking to a bottle and sees it half full not half empty. Therefore, I remain optimistic that we still live in the greatest country in the world and that one day soon we will look back on these times as just another bump in the road on our life' journey.

Until full spring and more signs for economic recovery I wish you the best of luck and good health.

Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

Perception problems for GM

Perception is everything, or almost everything. Perception influences reality. This article wants to add more to GM reality.

Perception: It is that the GM of 20 years ago is the same GM today -- the same insular corporate culture, a Midwest car company wedded to the belief that the only good horsepower is more horsepower, a corporation unalterably opposed to even the most reasonable fuel economy and clean air regulations.

Reality: That old GM disappeared in the early 1990s. It was replaced by a company that continued to make mistakes -- for example, initially establishing its Saturn group as a stand-alone company and wasting money on the horrid Pontiac Aztek crossover utility vehicle. But the new GM at least recognized its errors and moved with reasonable dispatch to correct them.


Perception: GM was alone in pursuing truck dollars.

Reality: That's baloney. Nearly all car companies doing business in the United States went after that money. But here's the kicker: An amalgam of Southern states gave hundreds of millions of dollars in tax incentives to GM's foreign rivals to build nonunion assembly plants in their region. Beneficiaries of those states' "business-friendly" policies included BMW, Nissan, Mercedes-Benz, Toyota -- all of which used taxpayer dollars to set up nonunion truck plants to go after the truck business dominated by union-represented GM, Ford and Chrysler manufacturing facilities.

They went after the truck money. Toyota launched and re-launched its Tundra pickup, even Suzuki has cobbled together a full-size Equator pickup.


Perception: All Detroit needs is deep restructuring and federal bailout money for long-term viability.

Reality: Wrong. Detroit needs what America sorely needs -- a Congress with the leadership chutzpah to devise and implement industrial and energy policies that will help to keep native manufacturing industries alive. Detroit's problem isn't poor products or lack of products. It's a nationally collapsed financial system. And it's governmental hypocrisy -- our willingness to pour tax dollars into foreign enterprises, most of them not unionized, while griping about doing the same for homegrown, unionized manufacturers largely responsible for building America's middle class.


Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

New Video -Slides Presentation

Is my intro ugly/surprising enough to keep the visitor perplexed for few more seconds/minutes?

Ernest and Marina

PS> Please more truth, I added the slide presentation for FREE download with links at my Home and at
http://investing-manage-properties.com/ernest-dialogues.html for e-mail registration.

Thanks


Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

GM Submits Plan for Long-Term Viability to the U.S. Congress

GM yesterday submitted a plan to use Federal bridge loans to create a leaner, more competitive company.
The plan calls for:

· Increased production of fuel-efficient vehicles and energy-saving technologies;
· Rationalization of brands, models and retail outlets;
· Reduced wage and benefit costs, including further reductions in executive compensation;
· Significant capital structure restructuring;
· Further consolidation in manufacturing operations.


General Motors today offers 20 models with 30 miles per gallon or more on the highway—more than any other manufacturer. General Motors is also the world leader in flex fuel technologies, with over 3 million flex fuel-equipped vehicles on U.S. roads today. Flex fuels represent the fastest way for the United States to reduce its dependence on imported oil.

While remaining a full-line manufacturer, GM will substantially change its product mix over the next four years, and launch predominately high-mileage, energy-efficient cars and crossovers.

In the Plan, further shifts to smaller displacement gas engines will occur—8-cylinder engines are replaced by 6-cylinder engines, 6-cylinder engines are replaced by 4-cylinder engines. More extensive use of turbo-charging is enabling the shift to smaller displacement engines, providing better fuel economy with normal operations but offering power in reserve for emergency situations. 4-cylinder engine usage, for example, will increase by 42% by 2012, and fuel-saving 6-speed automatic transmission volume will increase by 400%, to over 90% of GM‘s U.S. automatic transmission sales volume.


Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

The communism experiment is not for the USA

The Communist system is characterized by the absence of social classes and by common ownership of production means, and repartition of goods is done on the principle of "to each according to his/her need," each yielding fully "according to his/her abilities."

Everyone is tempted to construct on these "base principles" a society without money, no government, no armies, and all other fantasies.

Few talented writers competed with those dreams. George Orwell and Aldous Huxley did their best in "Animal Farm" (1945), "1984" (1949) and "Brave new world" (1932) respectively, expressing their fears for the destruction of the liberty of the individual into a totalitarian (communist) regime long before it was evident to everybody. We call genius the people with sensitivity beyond their time.

In short we are dealing with two lies

Now we are talking about reality not fiction, about recent past, about inconsistent scientific thinking, about false premises, about lies.

The premise of a classless society, with all equal, and keeping all equal, generated the dictatorship of the proletariat at the beginning (a form of social revenge against the wealthy and the intellectuals) and an absurd terror (the democratic centralism) against everybody's initiative beyond government control later.

The premise that unlimited human needs can be satisfied in a world with limited resources is an obvious error even for a beginner in economics. In our world there is competition because everything is in short supply.

These two lies are:

1. That humans are equal, and

2. That human wants can be satisfied

The humans are equal only in front of God at the Last Judgment. Until we die, everybody likes to be equal for more not for less. Human need for food, shelter/safety, love, social appreciation, artistry products, and esthetic or divine devotion are unlimited. For me this is very clear.

What 47 years life experience in Romania taught me about Socialism

All the 20th century communist experiments created a classless society in which the individuals are negated -- everybody can be replaced by anybody.

- The free competition was forbidden. The motivation from pay or retribution disappeared. The material satisfaction from work and entrepreneurial spirit were the biggest sins.

- The equality created was at the lowest level. A top scientist was paid at the level of an unskilled worker.

As a result it was a no-hope society for many and a "safe" non-motivational environment for the majority. Only the informers were in competition for more opportunities, to maintain all that the repressive rules enforced.

That is why I call the communist experiment an anti human society.

Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com

I have two websites with 20 to 45 visitors/day

I would like to add to my sites my video for e-books promotion and real blogs that allows comments.
What is your experience with ClickBank or direct sale?
Thanks

Ernest Ionescu

http://investing-manage-properties.com
http://winner4us.com