California FHA & FHA 203k Mortgage Expert - Jonas Kruckeberg, Temecula CA

Temecula, CA FHA Mortgage Jonas Kruckeberg Watermark Capital, Inc ... relationships with Realtors, Financial Planners, CPA’s, Contractors and Credit Repair Specialists help ... on the constantly evolving Mortgage Industry.  To purchase a home, refinance/modify a loan, repair credit [more...]

Date: 2008-11-28 20:07:56

Blog posts (108) | Videos (28)
 

On Thinking Differently: The NYT's Deborah Solomon does a...

The NYT's Deborah Solomon does a Q and A with University of California President Mark Yudof, who makes a salary of $540,000 a year, asking him about the latest state budget cuts. But on to Yudof's housing situation : He pays $10,000 a month to rent a house in Oakland because he doesn't want to live in the president’s house, which needs $8 million of repairs. " Solomon asks : Why can’t you have architecture students repair the house for course credit? Yudof : Let me ponder that." [more...]

Date: 2009-09-25 21:06:05

Banks Have Few Options In California

The North County Times reports form California. “Working as a real estate agent, insurance dealer, income tax preparer and credit repair specialist, Miguel Romero has helped Latinos buy 122 homes [more...]

Date: 2008-06-15 18:36:34

How to Get Noticed in This Competitive Publishing Arena

It was in 1990 when I agreed to work, on a part-time basis, writing the history of the Ojai Valley School in Ojai, California ... Way to Write, Publish and Sell Your Book and my latest ebook, The Author’s Repair Kit. http ... she was too busy. It was a book on credit&#8212how to get it without abusing it and winding [more...]

Date: 2008-06-23 15:58:43

Dell will pay $4M to settle NY consumer case

ALBANY, N.Y. — Computer maker Dell Inc . will pay $4 million in restitution and penalties more than a year after a New York court found the company engaged in false and deceptive advertising of its promotional credit financing and warranties. New York Attorney General Andrew Cuomo says some consumers paid for things they didn't get, including warranties that cost them an extra $99 to $250. Dell didn't admit to any wrongdoing in a settlement with the state announced Tuesday. [more...]

Date: 2009-09-15 17:17:58

Drumbeat: September 23, 2009

Chesapeake says $4 natgas too low to grow output GREENWICH, Conn. (Reuters) - U.S. natural gas prices will have to move higher to spur a resurgence in drilling activity and keep output of the fuel steady, the head of Chesapeake Energy Corp said on Wednesday. The weak U.S. economy has knocked natural gas prices sharply lower in the past 14 months, and sluggish demand for fuel has prompted producers such as Chesapeake to curtail drilling for new supplies. "The industry can cope with $4 gas. [more...]

Date: 2009-09-23 14:08:02

September 9 2009: A crime that will forever go unpunished

Dorothea Lange The Road June 1938 Outskirts of El Paso, Texas. "Young Negro wife cooking breakfast. 'Do you suppose I'd be out on the highway cooking my steak if I had it good at home?' Occupations: hotel maid, cook, laundress" Ilargi: Whenever I try to avoid the subject of Fannie and Freddie these days, I seem to get drawn right back into the topic of troubled US states. And when avoiding them, somehow I'm back with Fan and Fred. Got to go with the flow,I guess. [more...]

Date: 2009-09-09 04:01:00

More Rough Times Ahead for U.S. Economy, despite Recent Improvements

RISMEDIA, September 29, 2009—Despite recent signs of improvement, more rough times are ahead for the U.S. economy, according to several prominent experts in real estate and the economy who attended a recent forum at the Nixon Presidential Library.  “You look at the numbers and everything points to the fact that we not only have bottomed, but things seem to be improving,” said Christopher Thornberg of Beacon Economics, citing increases in durable goods orders, exports and auto sales. [more...]

Date: 2009-09-28 21:07:59

General Motors Has Filed For Bankruptcy. Should Cadillac Owners be Worried?

With the anticipation of 1,100 GM dealers in the US and 300 Canadian dealerships soon to close their doors Cadillac owners are understandably concerned. With fewer dealerships available it could be necessary to travel further for service and repair. There are also other concerns about getting stuck with payments for vehicles traded in if dealerships choose not honor the original trade in agreements. Questions about warranty coverage will also be on the minds of many Cadillac owners. [more...]

Date: 2009-09-09 17:14:27

Freelancer’s Survival Guide Setbacks Part 2

Artwork donated by Pati Nagle . The Freelancer’s Survival Guide: Setbacks Part Two Kristine Kathryn Rusch Last week, I wrote about setbacks. As has always been the case with these topics, they’re more involved than I initially plan. Sure, I can write about setbacks in 2000 words, but I can’t write about them in depth. So I started in-depth last week, and I got through two of my four categories. Let’s see how far I get this week. [more...]

Date: 2009-09-10 19:42:59

FML, Inc.

When last I took the unusual-for-me step of introducing you to some deep details of what was going on in my personal life, I had just gotten laid off from my job and was coming out of my fourth back surgery in two years. Well, sit the fuck down a minute, because the story's only gotten more exasperating from there. I went in for my fifth and, God willing, final back surgery a couple weeks ago. [more...]

Date: 2009-09-01 19:03:00

Where has the Bailout Money Gone? Good Billions After Bad

Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]

Date: 2009-09-28 06:17:36

Business & Technology

PROFNET EXPERT ALERTS: Business & Technology 1. Business: New Breed of Corporate Bankruptcy 2. Business: Significant Risks in Government Contracting 3. Finance: First the Banks, Now Bankers’ Banks Worrying Fed 4. Finance: One-Year Anniversary of Market Collapse 5. Finance: Securitization is Used to Repair, Rather than Manufacture 6. Insurance: Insurance Battles Follow Wildfires, Other Natural Disasters 1. BUSINESS: NEW BREED OF CORPORATE BANKRUPTCY. [more...]

Date: 2009-09-08 20:23:10

Solar in the Real World: Tour of Solar Homes Begins in October

The National Solar Tour takes place annually during the first Saturday in October in conjunction with National Energy Awareness Month. Last year close to 140,000 attendees visited some 5,000 solar buildings in 3,000 participating communities. Find the tour nearest you . Initially, the tour began about 20 years ago when a solar retailer and installer in California organized some of its customers and got them to agree to open up their homes once a year to the general public. [more...]

Date: 2009-09-28 16:26:00

Everyone wants in on the bailout gravy train, cities too

Hank Paulson may have created a monster. He has recently said that he does not want to use the TARP (Troubled Asset Relief Program) ... financing amid the credit crisis. On Friday, the mayors of Philadelphia, Phoenix and Atlanta asked ... for loans to cover short-term borrowing needs and to meet payroll. In a letter to Treasury Secretary [more...]

Date: 2008-11-15 23:29:30

Should GE be a AAA company," I said "GE Capital isn't even a bank. The FDIC only deals with depositary institutions. Are you kidding me? The US Government is obviously willing to do anything to bail out financial institutions at this point. Forget rules and regulations. Just give them the money." The first statement is actually not correct [more...]

Date: 2008-11-13 12:07:25

The Greatest Generation is Missing a Member

I received a phone call yesterday while I was driving home from work. The news was not unexpected, but nevertheless, it was not easy to hear ... he was never one to talk much about his time in the service, I managed to coax a few stories ... and eventually owned and operated a service station - back when the people at gas stations pumped your gas [more...]

Date: 2008-10-22 11:36:04

Red Ink, Green Proposals, No White Smoke (Yet)

The chatter continues over California's $40 billion budget hole, as Democrats pitch some new economic stimulus ideas, ... toward everything from wetlands restoration and flood protection to repair and building projects ... some of the state's idled construction workers back to work. Of course, selling bonds on Wall Street [more...]

Date: 2009-01-14 20:42:50

Consumer Credit Counseling Service

Testimonial From Our Clients- SurePath Financial Solutions SurePath Financial Solution’s Debt Solver Program Mortgage and Foreclosure Counseling Services by SurePath Financial Solutions Why You Should Turn to Consumer Credit Counseling Service … With the blooming industry of consumer credit counseling service , thousands of people have managed to avoid filing for bankruptcy and managed to set their finances straight. [more...]

Date: 2009-09-22 16:12:30

Blocking, Tackling & Running: Leveraging a Crisis Into Real Change

There's a fairly well known cartoon of two scientists working out a problem on a chalkboard covered with complex equations and down in the circle is a little circle with the key step inserted in small print - "and then a miracle occurs". Wouldn't it be nice if we could take the same short-cut to fixing the horrendous shopping list of significant [more...]

Date: 2009-01-16 20:07:11

Quake could balloon Calif. foreclosure woes

A new insurance risk report on natural disasters by insurance Aon/Benfeld suggests that a large earthquake could severely rattle California’s ... up to $400 million in mortgage defaults due to foreclosure expenses, property repair costs, lost ... homeowners currently carry earthquake coverage. Additionally, state law does not require California [more...]

Date: 2009-01-06 08:01:01

300 Trust Quotes

In this world, who or what can you trust? One big red flag for me is the delivery of any critical information that begins with the naked assurance “trust me” or ends with “I know what I’m talking about.” Accepting empty declarations of credibility, without more, is like playing Russian roulette with your understanding of the world [more...]

Date: 2009-01-08 01:35:15

Investors May Be Too Optimistic About Consumer Recovery

The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... are likely to cut credit to risky borrowers even beyond what they would have done in a risk-averse [more...]

Date: 2008-12-14 06:10:36

The Psychology Of Gambling

Check out my Big RSS Subscriber Contest after reading this article. This might seem like an odd post for this blog, but stick with me for a bit. Over the last couple of days, I’ve read some stories about people in positions of some type of authority that have been caught stealing money from their organizations and using that money to support [more...]

Date: 2009-01-17 19:44:58

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Stages of the Slowdown & End Game?

A: I want to take another few steps back today (after last weeks Debt Deflation Theory discussion) ... markets yesterday. Nobody denies the credit monster anymore and most learned to respect this beast ... from comparing it to past recessionary periods. If we view the crisis in stages, where did it start, where [more...]

Date: 2008-10-28 18:22:06

Overview of AN – SNAFU – USA money spending and snafu par excellence

*** Secretive spending on US intelligence disclosed Tue Sep 15, 2009 5:00pm EDT By Adam Entous WASHINGTON, Sept 15 (Reuters) – Intelligence activities across the U.S. government and military cost a total of $75 billion a year, the nation’s top intelligence official disclosed on Tuesday, revealing publicly for the first time an overall number long shrouded in secrecy. [more...]

Date: 2009-09-17 17:34:52

Homes on Sale - A Great Opportunity For Employed Homebuyers!

by Moises DaSilva So, you are in the market for a house? You are in luck. Several states in the country have been hit hard by foreclosures since 2007. The prices for foreclosure homes for sale in states such as California, Florida, and Michigan are continuing to soften. Prices are expected to fall almost across the country and will continue to do so until the end of the year, thereby establishing a trend. [more...]

Date: 2009-09-23 21:06:52

California's budget revisited again

THE only good legislator is a termed-out one. So Arnold Schwarzenegger is betting as he calls the California legislature back into special session to repair the budget they delivered three months late six weeks ago. The timing, two days after ... be more rational in a bonus round than they were during the regular session. California's budget [more...]

Date: 2008-11-07 15:24:05

News and Notes: California Fire Situation 09-03-09

Screenshot from amazing time-lapse of Station Fire header Credit: brandonriza.com - Link National Fire Activity Initial attack activity: Light (119 new fires) New large fires: 1 (*) Large fires contained: 1 Uncontained large fires : ** 14 Area Command Teams committed: 0 NIMOs committed: 1 Type 1 IMTs committed: 4 Type 2 IMTs committed: 2 Nationally, there are 80 large fires being managed with minimal or no resource commitment that are not shown on today’s report. [more...]

Date: 2009-09-03 16:56:00

Houses For Sale – A Huge Opportunity For Employed Homebuyers!

by Moises DaSilva So, you are in the market for a house? You are in luck. Several states in the country have been hit hard by foreclosures since 2007. The prices for foreclosure homes for sale in states such as California, Florida, and Michigan are continuing to soften. Prices are expected to fall almost across the country and will continue to do so until the end of the year, thereby establishing a trend. [more...]

Date: 2009-09-27 09:15:05

Homes For Sale - An Excellent Opportunity For Employed Homebuyers!

by Moises DaSilva So, you are in the market for a house? You are in luck. Several states in the country have been hit hard by foreclosures since 2007. The prices for foreclosure homes for sale in states such as California, Florida, and Michigan are continuing to soften. Prices are expected to fall almost across the country and will continue to do so until the end of the year, thereby establishing a trend. [more...]

Date: 2009-09-28 15:16:55

Daily Dose: 10/01/08

» AsianWeek Market Report » North American Acupuncture & Oriental Medicine Day 2008 » Obama Celebrates Filipino American History Month » Assemblyman’s Constituent Turns Personal Tragedy into Positive Change » CORA Kumares, Kumpares to Stage Abuse Prevention Presentation in Daly City » Edison Chen Refuses to Testify in Sex-Tape Trial » [more...]

Date: 2008-10-01 21:04:21

Recognizing a Credit Repair Scam

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * Before they provide any credit repair services, the company wants [more...]

Date: 2009-01-16 06:24:58

January 14 News Items

Life on Mars (Source: The Sun)Alien microbes living just below the Martian soil are responsible for a haze of methane around the Red Planet, NASA scientists believe. The gas, belched in vast quantities in our world by cows, was detected by orbiting spacecraft and from Earth using giant telescopes [more...]

Date: 2009-01-14 04:56:00

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]

Date: 2009-01-16 06:23:45

Stimulus Package 2009: Lightning Round Reactions

The Democrats in the House of Representatives introduced legislation this week containing $825 billion in new tax credits and government spending, ... cuts for clean, renewable energy including a new enhanced tax credit for research and development ... extension of the production tax credit for wind, hydro, geothermal, and bioenergy.  Ditto.  Go to hell [more...]

Date: 2009-01-16 15:30:30

Earthquake Could Exacerbate C.A. Financial Problems

Based on a new report focusing on insurance risks and natural disasters it appears that a large earthquake could exacerbate the already damaged ... 9,000 others and caused over $12 billion in insured losses. The quake cost the mortgage industry up to $400 million in mortgage defaults due to foreclosure earthquake expenses, property repair costs [more...]

Date: 2009-01-17 06:55:56

Stem Cells Undo Birth Defects

Repairing damage: Neural stem cells, tagged green with a fluorescent dye, have been transplanted among the brain cells (red) ... suffered by heroin-damaged mice. Credit: Joseph Yanai By injecting stem cells ... into what's needed to repair the defect. They are doing my job, in a way."Yanai and his colleagues [more...]

Date: 2009-01-07 16:23:00

Research Resources

Research Resources (ResearchResources.info) is a Subject Tracer™ Information Blog developed and created by the Virtual Private Library™. It is designed to bring together the latest resources and sources on an ongoing basis from the Internet for research which are listed below [more...]

Date: 2009-01-12 09:00:00

Appraisal Fraud and Industry Standards Described in 2003 Official White Paper-RED FLAGS DESCRIBED IN DETAIL WITH EXCELLENT DIAGRAMS EXPLANATIONS AND DESCRIPTIONS OF BEST PRACTICES

loan_origination_mortgage_fraud_ffiecloan_origination_mortgage_fraud_prevention_response_nelsonRed Flags • Critical loan processing activities, such as  verification of income, employment, or deposit, is delegated to brokers. • Delegated underwriting allowed for correspondents that are new or lack an established track record with the FI [more...]

Date: 2009-01-09 15:33:10

11 July SWJ News, Op-Ed, and Events Roundup

IRAQ Turks Visit, Regional Warming Trend - Tavernese and Robertson, New York Times Turkey’s prime minister visited Baghdad on Thursday, only the second foreign head of a neighboring state to visit Iraq since the American invasion. The visit of Prime Minister Recep Tayyip Erdogan came during a flurry of announcements from Arab countries - including [more...]

Date: 2008-07-11 00:34:15

The Locavolt Movement: Pushing For Energy Independence

Peter Asmus at the San Francisco Chronicle reported yesterday on the "locavolt" movement ... . for billing, distribution and repair service, but allow local elected officials to choose more locally ... . And, as Asmus notes, there are bureaucratic challenges as well, including legal restrictions preventing [more...]

Date: 2008-09-15 19:13:24

WEDNESDAY JANUARY 13, 2009

THIS SITE SUPPORTS ALL THE MEN AND WOMEN OF ALL POLICE DEPARTMENTS, EMS CREWS, IN ADDITION TO ALL SERVING IN THE CANADIAN ARMED FORCES, ... ANIMATED DOPPLER STORM RADARNortheast Next Snowstorm CANADA WEATHER WARNINGSNEW BRUNSWICK & MAINE BORDER WAIT TIMESALL OF ATLANTIC CANADA STORM WARNINGS:This Site GIVES you the news as it happens, 24 [more...]

Date: 2009-01-14 00:21:00

A Problem with Using the Plastic

A Problem with Using the Plastic Category: Wasting your time I have a love-hate relationship with credit and charge cards ... that goes to the merchant's bank. Take, for example, a driver who pays for a $1,000 car repair with a credit ... merchants to lose money on a sale. Because credit cards are used more than cash now in the US, the fees add [more...]

Date: 2008-11-09 03:52:38

The Stigma Is Gone In California

The San Diego Reader reports from California. “What’s the difference between National City and Rancho Santa Fe? Well - er, uh - money comes to mind. Last year, median household income in National City was $44,130, according to figures provided by the San Diego Association of Governments. That was far under the county median of $68,388 [more...]

Date: 2008-06-12 22:23:07

SATURDAY JANUARY 10 & SUNDAY 11, 2009

THIS SITE SUPPORTS ALL THE MEN AND WOMEN OF ALL POLICE DEPARTMENTS, EMS CREWS, IN ADDITION TO ALL SERVING IN THE CANADIAN ARMED FORCES, ... UP FOR SOME NB AREASSnowfall warning in effectEnvironment Canada has issued a snowfall warning for metro ... BRUNSWICK & MAINE BORDER WAIT TIMESALL OF ATLANTIC CANADA STORM WARNINGS:This Site GIVES you the news [more...]

Date: 2009-01-09 02:22:00

SAG: No Good Reason to Strike

There’s turmoil planned for the upcoming Jan. 12-13 SAG National Board meeting, reports the LA Times. SAG’s National Executive Director Doug Allen and the current negotiating committee may find themselves bounced out unceremoniously by the moderates—or they may not. The strike authorization vote, postponed from its original Jan [more...]

Date: 2009-01-02 03:08:00

DrumBeat: July 19, 2008

Small, developing nations feel impact of food and energy crisis The Marshall Islands said Friday electrical power in the small Pacific nation may be switched off in September when its fuel supplies are expected to run out, as high food and energy prices have begun to hit hard some developing countries, [more...]

Date: 2008-07-19 13:19:50

Recession Proof Small Businesses

In times of economic trouble people’s minds turn to recession proof small businesses as career ideas There are some recession proof small businesses ... : consumer credit counseling services; companies that repair credit; headhunters, temp agencies or other ... to fix it. If you have repair or handyman skills [more...]

Date: 2009-01-14 11:00:30

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