If we act unanimously as intelligent pro... read more
If we act unanimously as intelligent pro... read more
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We must act unanimously to defeat the pyramid
(blog entry)
Our hope for the future is that the true strength of this pyramid is in its base. The financial elite power structure of control cannot function without working class peoples consent and participation.
If we act unanimously as intelligent pro... read more
blog entry posted Sat, May 12, 2012 - 3:55 PM
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Welfare For The Rich
(blog entry)
According to documents obtained by the government-appointed court receiver overseeing the firm's bankruptcy that were reviewed by The Times; Lehman Brothers Bank arranged millions in bonuses for its highest-paid executives just before declarin...
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blog entry posted Sun, April 29, 2012 - 8:08 PM
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CRITICAL HISTORY OF AMERICAN FINANCIAL COLLAPSE
(blog entry)
(Please See; www.youtube.com/watch
As Americans seeking transformation of our corporate controlled government, our mission must be to create a global community of shared responsibilities, shared benefits, and shared values.... read more
blog entry posted Sat, March 24, 2012 - 5:39 PM
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Iraq Veterans Demonstrate Against Financial Elite
(blog entry)
Current and veteran military personnel have been on the streets, participating in the Occupy Wall Street movement and protecting the 99% since the beginning on the movement.
Members of the New York City chapter of Iraq Veterans Against the War ... read more
blog entry posted Fri, March 23, 2012 - 8:46 PM
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ARE WE JEAPORDIZING OUR MOST PRECIOUS RESOURCE?
(blog entry)
Due to the worsening financial crises politicians and voters failed to raise taxes required support our California schools.
Nevertheless the banks and corporations that created the financial crises continue to show increasing profits. In the s... read more
Dear Catherine,
Mon, October 29, 2007 - 9:55 PM
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I met you in the park on the 14th. I was introduced to you by Laurie Reyon Anderson. Joan of Arc is also one of my shamanic guides. I have a co-worker who is going to lose her house in 3 months if she doesn't get help. She is holding a full-time job as an Assistant Manager at Jimbo's, is a steady hard worker, and just needs help re-financing. I remember you mentioning that you had a program to help people like her, but don't see anything about it on the website. Could email me a contact # or something written and I will bring it in to her? many thanks, Joanie Blaxter Hi Joanie, Sorry i did not get to this problem until now, i just got recently back from a trip to northern California, and yes I do remember you. We are trying very hard to get funds to put a foreclosure clinic together but meanwhile your friend is one of many many good peolple who are caught in a terrible situation. There are several great resources available including some pending government programs, So I will just paste some of our various information and links here below , FIRST GOVERNMENT PROGRAMS If your adjustable rate has pushed your mortgage payment to unaffordable levels, you may have some relief. In response to the crisis of people facing default on their home mortgages because their adjustable rate mortgages are no longer affordable, the Federal Housing Administration is coming out with the FHA Secure Refinance Program. The new FHA Secure program would help home owners who have fallen behind on their home mortgage and are possibly facing foreclosure because of their new higher monthly payments. The new program would allow the delinquent home owners to refinance their Adjustable Rate Mortgages into a fixed rate FHA loan. The FHA Secure program is intended to help homeowners that may have been tricked into expensive Adjustable Rate Mortgages with teaser interest rates. If you qualify for an FHA mortgage your loan will be funded by a conventional mortgage lender. Remember, FHA mortgage loans are insured by the Federal Housing Administration. The FHA does not lend money; they simply insure your debt with an approved FHA lender. Because your mortgage is insured against default by the government, FHA loans offer significantly less risk for lenders, allowing homeowners, even those with poor credit, to qualify for lower mortgage rates. The FHA will accept homeowners with blemished credit⦠especially if you are working on improving your finances and can document your current situation. In the past, the FHA has not required borrowers to have a minimum credit score. Instead, they have focused on one's overall credit history. Therefore, it may be possible to qualify even though you may have a low credit score, perhaps 500 (or less). If you are a homeowner with tarnished credit and are concerned that the current âmortgage crisisâ will prevent you from refinancing before your lender begins adjusting your interest rate and payment amount, FHA backed mortgage refinancing could be your answer. Apparently, the FHA's focus will remain on looking to the good credit profile of applicants rather than a credit score, And, until now, the FHA has not permitted delinquent borrowers to qualify for their loan program. To qualify, you must showâ¦. -That your loan is a non-FHA ARM. -A history of on-time mortgage payments "prior" to the borrower's ARM loan resetting to the higher rate. -The Arm loan interest rate must have either reset or be scheduled to reset between June 2005 and December 2009. -Mortgage late payments are allowed after the reset date if they are directly related to your higher loan payment. In addition, if you are in a mortgage payment plan because of late payments and there is sufficient equity in the home, the late amounts can be rolled into the new loan. -A minimum of 3% cash or equity in the home. -A sustained history of employment. -Sufficient income to make the new mortgage payment. While the new program will help those borrowers who qualify save their homes, it is obviously not a free ride. It is designed for homeowner's who just need a little assistance in order to get out from underneath expensive ARM interest rates. The FHA will not insure interest-only or Pay Option ARMs; and will not help home owners who have properties that have depreciated in value and are now worth less then the current mortgage balance. You must use an FHA approved lender to see if you qualify for the FHA Secure Refinance Program. For FHA lenders in your neighborhood, go to While this program may not help everyone, it certainly doesnât hurt to see if you qualify. It could be a resource to take your ARM to a fixed rate mortgage that is actually affordable. NOW to SOME LOCAL AGENCIES San Diego Housing Collabotative has lots of resources; and features a traveling clinic to give free foreclosure help in various locations. Also
Also The federal housing department can refer you to a counselor in your community. Just call (800) 569-4287 or go to www.hud.gov and also please refer your friend to the following very helpful article reprinted from the north county times. Q: I'm worried that I may be one of those people who could be forced to sell my house for a loss or possibly go into foreclosure. What should I do? ÃA: One thing you cannot do is just sit around with your fingers crossed and hope everything works out. Now is the time to become proactive and find out exactly where you stand and what can be done to avoid a financial disaster. Understand this: Your lender does not want to own your home. Banks and mortgage companies are in the business of making loans, not owning real estate. As a result, most of them will do whatever is necessary to keep you in your home and find a way to salvage your situation. Just this week, Countrywide Financial announced that it has helped 35,000 homeowners avoid foreclosure by using programs such as loan modifications, repayment plans, postponement of payments and refinancings. The U.S. Department of Housing and Urban Development recently offered some suggestions for homeowners in trouble. First, don't ignore the problem. As tough as it may be, swallow your pride and call your lender immediately. If lenders are forced to track you down and you repeatedly ignore their calls and letters, it probably won't go well. Another thing is to know your mortgage rights. Read your loan documents and find out what your lender can and cannot do if you can't make your payments. It is also very important to avoid bogus companies who flood into a troubled area and say they can help you avoid foreclosure ---- for a fee that is usually equal to three months of mortgage payments. State and federal regulators warn that if you do sign documents from these companies, you could unintentionally transfer ownership to these scamsters and wind up becoming a renter in your own home. In addition to talking to your lender, it is wise to talk with a legitimate housing counselor who can guide you through all of the legal options that are available. The federal housing department can refer you to a counselor in your community. Just call (800) 569-4287 or go to www.hud.gov. Fortunately, many organizations in the San Diego region have banded together to create the Housing Opportunities Collaborative. This group recently held a clinic in Oceanside to assist homeowners, and another clinic will take place Saturday in Chula Vista. Private, confidential counseling will be available at no cost. You can get more details about the clinic, or schedule an appointment with a local counselor, by calling the collaborative at (619) 282-6647 or visiting the Web site, www.housingcollaborative.org. As you can see, you are not alone. And your worst nightmares might be avoided if you just get busy. Q: I'm worried that I may be one of those people who could be forced to sell my house for a loss or possibly go into foreclosure. What should I do? Craig, Escondido ÃA: One thing you cannot do is just sit around with your fingers crossed and hope everything works out. Now is the time to become proactive and find out exactly where you stand and what can be done to avoid a financial disaster. Understand this: Your lender does not want to own your home. Banks and mortgage companies are in the business of making loans, not owning real estate. As a result, most of them will do whatever is necessary to keep you in your home and find a way to salvage your situation. Just this week, Countrywide Financial announced that it has helped 35,000 homeowners avoid foreclosure by using programs such as loan modifications, repayment plans, postponement of payments and refinancings. The U.S. Department of Housing and Urban Development recently offered some suggestions for homeowners in trouble. First, don't ignore the problem. As tough as it may be, swallow your pride and call your lender immediately. If lenders are forced to track you down and you repeatedly ignore their calls and letters, it probably won't go well. Another thing is to know your mortgage rights. Read your loan documents and find out what your lender can and cannot do if you can't make your payments. It is also very important to avoid bogus companies who flood into a troubled area and say they can help you avoid foreclosure ---- for a fee that is usually equal to three months of mortgage payments. State and federal regulators warn that if you do sign documents from these companies, you could unintentionally transfer ownership to these scamsters and wind up becoming a renter in your own home. In addition to talking to your lender, it is wise to talk with a legitimate housing counselor who can guide you through all of the legal options that are available. The federal housing department can refer you to a counselor in your community. Just call (800) 569-4287 or go to www.hud.gov. Fortunately, many organizations in the San Diego region have banded together to create the Housing Opportunities Collaborative. This group recently held a clinic in Oceanside to assist homeowners, and another clinic will take place Saturday in Chula Vista. Private, confidential counseling will be available at no cost. You can get more details about the clinic, or schedule an appointment with a local counselor, by calling the collaborative at (619) 282-6647 or visiting the Web site, www.housingcollaborative.org. As you can see, you are not alone. And your worst nightmares might be avoided if you just get busy. Q: I'm worried that I may be one of those people who could be forced to sell my house for a loss or possibly go into foreclosure. What should I do? Craig, Escondido ÃA: One thing you cannot do is just sit around with your fingers crossed and hope everything works out. Now is the time to become proactive and find out exactly where you stand and what can be done to avoid a financial disaster. Understand this: Your lender does not want to own your home. Banks and mortgage companies are in the business of making loans, not owning real estate. As a result, most of them will do whatever is necessary to keep you in your home and find a way to salvage your situation. Just this week, Countrywide Financial announced that it has helped 35,000 homeowners avoid foreclosure by using programs such as loan modifications, repayment plans, postponement of payments and refinancings. The U.S. Department of Housing and Urban Development recently offered some suggestions for homeowners in trouble. First, don't ignore the problem. As tough as it may be, swallow your pride and call your lender immediately. If lenders are forced to track you down and you repeatedly ignore their calls and letters, it probably won't go well. Another thing is to know your mortgage rights. Read your loan documents and find out what your lender can and cannot do if you can't make your payments. It is also very important to avoid bogus companies who flood into a troubled area and say they can help you avoid foreclosure ---- for a fee that is usually equal to three months of mortgage payments. State and federal regulators warn that if you do sign documents from these companies, you could unintentionally transfer ownership to these scamsters and wind up becoming a renter in your own home. In addition to talking to your lender, it is wise to talk with a legitimate housing counselor who can guide you through all of the legal options that are available. The federal housing department can refer you to a counselor in your community. Just call (800) 569-4287 or go to www.hud.gov. Fortunately, many organizations in the San Diego region have banded together to create the Housing Opportunities Collaborative. This group recently held a clinic in Oceanside to assist homeowners, and another clinic will take place Saturday in Chula Vista. Private, confidential counseling will be available at no cost. You can get more details about the clinic, or schedule an appointment with a local counselor, by calling the collaborative at (619) 282-6647 or visiting the Web site, www.housingcollaborative.org. As you can see, you are not alone. And your worst nightmares might be avoided if you just get busy. Finally if all of the above approch fails do what my friend Monique did and find an investor to help with a short sale of the home. this is a pretty clear explanation of how it a short sale at best might work; Why would a bank sell you a $50,000 note for only $2,500? Reason #1 Because they must avoid foreclosure at all costs â and hereâs why. When a bank forecloses on a home it becomes a non-performing loan. This affects the amount of money a bank can borrow from the Federal Reserve. Since banks only make money by borrowing from the Fed and lending to the public, they must borrow as much as they can. Every non-performing loan reduces the amount the bank can lend to the public, affecting their bottom line profits. Reason #2 The bank knows if the property is foreclosed, it goes to auction and is sold for what is owed on the first mortgage and typically not a dime more. This leaves the second mortgage holder getting absolutely nothing. Think about it â if you were in their shoes, wouldnât you rather recoup something than nothing at all? So for the bank itâs a no-brainer...and it creates a win-win situation for everyone involved. The bank gets some money, but more importantly they keep a non-performing loan off their books. The homeowner avoids foreclosure and saves his credit. And your investor becomes the biggest winner of all, walking away with tens of thousands of dollars in instant equity. good luck to your friend....this has inspired me to put all foreclosure resources on our Communiversity Magazine website. Blessings, Catherine Communiversity Magazine will present an eclectic array of educational and workshop opportunities organized as a catalogue, offering the class listing and registration process to the public for free. Communiversity Magazine Staff will begin its operation by compiling information and then implementing and organizing an on-line magazine and class registration process. Once funding has been secured we will immediately implement and distribute a hard copy of the magazine, throughout San Diego, Riverside, and Orange Counties. Our Beginning Distribution will be facilitated through leaving copies in local businesses and meeting places, including but not limited to those who list their classes in our magazine. In the course of developing our public relations a mailing list will be organized and compiled toward our eventual postal distribution.
Our feature stories and articles will present factual and scientific reports generated by on site interviews with individuals and groups offering classes, and of their students and where appropriate also taking photographs of site. catalog. We plan on developing a mission-driven organization, with a passion for improving community education. Our journalists will strive to interview many individuals who offer classes and workshops as possible, for the 4-5 feature stories to be presented in each issue. Communiversity Magazine âs stories will explore the classes and workshops of those who would volunteer to be so presented, and will tell their story by explaining what they have to offer the public. Our journalists will work closely with our editorial staff to create dynamic stories that explore and investigate exactly what experiences or results can be expected when a person participates in a specific class, event, lecture or workshop.We are already working on our first feature stories for the initial issue of Communiversity Magazine. Communiversity Magazine hopes to publish 12 issues in 2008 to a controlled small circulation. This circulation is planned to increase to 100,000 to 115,000, by the year 2009. Communiversity Magazineâs business strategy is based on the three-year plan developed, including sales and marketing plans to achieve advertising revenue goals; circulation; editorial budgeting; media kit, including research and promotional materials; and overall management of magazine's P&L. Plan and execute other related projects with revenue potential, such as sponsored products, such as CDs or DVDs of Communiversity Magazine Workshops, on-line classes and our Web content. Our Current plans include our initial include development of an online version of Communiversity We plan to develop a high-performing magazine publishing staff and our director of advertizing, Ingrid Smith, will lead the sales effort. Ingrid says; Advertising is one of the main aspects of mass communication. It helps to create demand, promote marketing systems and boost economic growth. Thus advertising forms the basis of marketing and the longevity of any company or product. Communiversity Magazine's advertising department plans to develop, implement and manage the company's advertising strategy, help develop a budget and project advertising results. This will entail initiating and soliciting business from prospective advertisers through use of multiple media sources that are available, as well as help with the development of various sales materials, including media kits. This will involve our initial advertising sales person/team, working together with our Director of advertising, that will grow as the company and database of prospective clients grows. This team will find new business and also retain existing business, select the appropriate media, analyze timing and placement of advertisements for clients and negotiate the financial aspects of the deal. The advertising department will work closely with the Editor in Chief, Art Director, and other magazine editorial staff to create an exciting and visually compelling editorial product. We plan to develop a high-performing magazine publishing staff and our director of advertizing will lead the sales effort. Communiversity Magazine's management team, and publisher will report regularly on progress to executive director and Board of Directors, as well as Communiversity Magazine's advisory groups of educational instructors, including its expert consultant panel. We plan to Integrate magazine publishing activities with other Communiversity Magazine departments and activities, including Web and product publishing, outreach, and on-line class production. Coordinate promotion and presentations of Communiversity Magazine's projects with these departments through our weekly Communiversity Magazine News e-newsletter and our weekly conference meetings. the executive director will work with other senior managers, develop cross-promotional opportunities across Communiversity Magazine's media platforms -- print, Web, an on-line classes -- to broaden the reach of Communiversity Magazine's vision and content and deepen use of its materials among an eclectic range of community groups, and individuals. We hope to recruit magazine publishing and advertising sales personnel for selling advertising and attracting individuals with a proven track record of acquiring new accounts, These accounts should be specifically focused on educationally oriented groups in the community Why Communiversity Magazine is necessary and will serve public interest.
We have found many varied educational resources are privately available in a variety of widely different locations. A surprising number of knowledgeable individuals privately offer educational classes and workshops in their homes and small businesses. Researching what is being offered and how, we have found there are many, many different small specialty magazines, where such services are typically advertised. Unfortunately these are usually presented more as a hodgepodge collection of advertisements rather than a community service magazine or course catalog.We have also interviewed many existing teachers and small businesses that offer classes and workshops cannot afford to advertize what they offer the public. These individuals have virtually unanimously have expressed enthusiasm for the exposure our magazine will offer. Some individuals can only manage to place a few flyers telling about their classes and workshops with neighboring businesses, but mostly rely just on walk in exposure or word of mouth. Communiversity Magazine will facilitate public awareness of fascinating and stimulating educational and cultural opportunities and stimulate the local small business economy
I would like to know if who would be interested in brainstorming with me as to ways we might implement The Communiversity, or an alternative education project/magazine, which would allow the metaphysical community and other groups to advertise and promote alternative education classes and workshops to be given peoples homes and various other locations in a magazine similar to a community college class directory.
Sat, June 16, 2007 - 1:02 PM
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Each edition of This proposed course catalog might also include a few stories and articles featuring various groups and explaining what they have to offer. The magazine could be partially funded by advertisements from bookstores and holistic treatment centers and so forth. Let me know what you think? I will be taking a class on June 30th at Riverside college in grant writing to see if private or government funds may be available to fund this. Kokopelli; Herbalists Meetup Group Now my oracle tells me is time to become active, and that I am to remodel and open my old adobe house in Carlsbad by the St. Patrickâs Church and open it to teachers, healers and spirits who have knowledge to share with others or if they just wish to study with us. To this end I started the Kokopelli herbalist group today, I will be happy to make new friends and grow organic herbs to market for both food and ritual. I am enrolled in regular college classes this summer in journalism and grant writing. More importantly, We are attempting to start our Communiversity project (an alternative education project/and magazine offering a venue to those who wish to advertize information about any private classes and workshops taught or guided by individuals knowledgeable in the alternative healing arts, herbalists, shamanism, Wicca, writing and all metaphysics.) We will also open our doors for any who seek a meeting place or workshop place as soon as our remodel is complete (perhaps next month?) We would deeply appreciate any input or advice from all of the metaphysical and healing community. We are very interested in meeting all other people who either have knowledge they wish to share or who need a place to gather together to teach, or who wish to participate in groups for study, or for celebration and discussion of any of these matters. What may be of interest is that I am currently working hard on a contemporary non-fiction book about predatory lenders in California called THE LOAN VAMPIRES. I believe I will have this book finished and to publication before the end of this calendar year. I have done extensive research for this project; interviewing other victims and by taking college courses this year in Real Estate and Real Estate Law. (teachers Ed Culbertson and Wayne Sandric at Mira Costa college were my teachers and familiar with my project) , and also Creative Writing Classes (Professor Lori Berrihill of Miracosta College) to refine and develop my writing skills toward the completion of this book. My marketing strategy for this book includes a series of expose' type interviews; in newspapers, radio, television by investigative reporters. I believe sincerely believe predatory lending practices, MUST BE EXPOSED AND STOPPED, through public awareness and litigation. THE LOAN VAMPIRES book will be a timely piece and I am interested in coroborative stories and information of all types.
Catherine
originally published at catherine of carlsbad's Blog
Gender
Female
Location
about me
I am the creative founder and director of Kokopelli Community Workshop Corporation- we strive to facilitate change by empowering the public with creative tools for transformation, and manager of a group of 227 professionals dedicated to positive change, found online at; communiversity.groupsite.com.
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Our hope for the future is that the true strength of this pyramid is in its base. The financial elite power structure of control cannot function without working class peoples consent and participation.
Sat, May 12, 2012 - 3:55 PM
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If we act unanimously as intelligent professional and working-class citizens’ to all simultaneously withdraw our support, the corrupt financial structure at the top of the pyramid will lose its power, collapsing the banking cartels, the military industrial complex, corporate controlled m... read more
According to documents obtained by the government-appointed court receiver overseeing the firm's bankruptcy that were reviewed by The Times; Lehman Brothers Bank arranged millions in bonuses for its highest-paid executives just before declaring bankruptcy in 2008.
Sun, April 29, 2012 - 8:08 PM
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Documents submitted to the Bankruptcy Court show the company awarded nearly $700 million to 50 of its highest-paid employees just before declaring bankruptcy in 2008, with Top execs paid $8 million to $51 million in cash, s... read more
(Please See; www.youtube.com/watch
Sat, March 24, 2012 - 5:39 PM
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As Americans seeking transformation of our corporate controlled government, our mission must be to create a global community of shared responsibilities, shared benefits, and shared values. An essential new focus should require all of us to deeply examine our recent financial history to learn about how and why our worsening financial disaster occurred and try to find new ways to take unified action to solve the urgent political and... read more
Current and veteran military personnel have been on the streets, participating in the Occupy Wall Street movement and protecting the 99% since the beginning on the movement.
Fri, March 23, 2012 - 8:46 PM
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Members of the New York City chapter of Iraq Veterans Against the War and dozens of other uniformed veterans known as "Veterans of the 99 Percent" pause in front of the New York Stock Exchange while marching from Vietnam Veterans Plaza to Zucotti Park where the Occupy Wall Street movement is centered on November 2, 201... read more
Due to the worsening financial crises politicians and voters failed to raise taxes required support our California schools.
Sun, March 4, 2012 - 6:51 PM
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Nevertheless the banks and corporations that created the financial crises continue to show increasing profits. In the speech below President Barack Obama clearly acknowledges the importance of our children’s education yet he supported the transfer of billions of tax dollars from ordinary citizens to Wall Street executives in bank bailouts. The tax dollars used for ... read more
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