SB-748: Safe Parking Sites and Local Responsibility for the Unhoused California Senate Bill 748 (SB-748), signed into Law in September 2025, marks a significant expansion of the state’s approach to homelessness—specifically addressing the needs of individuals living in vehicles. The bill modifies the existing Encampment Resolution Funding (ERF) program to include support for safe parking sites, offering local jurisdictions new tools to manage and assist vehicle-based homelessness.
Government Efficiency Isn’t a Dirty Word—It’s Stewardship Government inefficiency is characteristic of entrenched bureaucracy.
The Importance of Resilience in Business In today’s volatile business environment, resilience isn’t just a desirable trait—it’s a transformative survival skill that can inspire and motivate. Markets shift overnight, technology disrupts entire industries, and global crises can upend even the most carefully laid plans. Resilience empowers businesses and leaders not only to adapt but also to transform, recover, and thrive in the face of uncertainty.
“Crap Shoot” in Business: Origins and Applications The phrase “crap shoot” originates from the gambling game craps, where players roll dice and outcomes depend entirely on chance. The term evolved into a metaphor for situations where results are unpredictable and largely outside one’s control. In business, this concept resonates deeply because many high-stakes decisions involve uncertainty despite careful planning.
How Pronounced is State-funded Chaos in the USA? The concept of state-funded chaos in the United States can be interpreted in several ways; however, historically, it most often refers to instances where government actions—whether intentional or due to dysfunction—have led to widespread disruption, instability, or erosion of public trust. Government actions are directly to the benefit of the government apparatus and against the best interests of the people.
How the Federal Reserve System Plunders the American Taxpayer The Federal Reserve was established in 1913 under the Federal Reserve Act, following a series of banking panics, most notably the Panic of 1907. Its stated purpose was to stabilize the financial system, provide an elastic currency, and act as a lender of last resort. Over time, however, its policies have evolved into mechanisms that critics argue quietly transfer wealth from ordinary Americans to the government and financial elites. This “plunder” doesn’t happen through overt taxation—it occurs through monetary policy, inflation, and systemic favoritism.
The EV Bust: How Policy Shifts and Consumer Fatigue Sparked a Market Correction The Policy Whiplash Government incentives were the backbone of EV adoption in the U.S. For years, tax credits and state rebates have narrowed the price gap, signaling a long-term commitment to electrification. When those incentives expired in late 2025, the market lost its safety net overnight. Automakers had scaled production based on a demand curve that assumed continued policy support—only to face a sudden cliff.
Government as Racket: How Power, Policy, Access, and Paydays Converge When people say “the system is rigged,” they may be closer to a macro truth than a slogan. Here’s the evidence-driven anatomy of how public authority routinely converts into private gain—and what it would take to unwind the racket.
War Is a Racket: Smedley Butler’s Timeless Warning About Profiteering and Power In 1935, Major General Smedley D. Butler—one of the most decorated Marines in U.S. History—published a short but explosive book: War Is a Racket. At fewer than 50 pages, it remains one of the most searing indictments of the economic motives behind war. Butler’s thesis was radical yet straightforward: wars are rarely fought for freedom or defense—they are fought for profit.
From His Book, Confessions of an Economic Hit Man, to Today’s Debt Diplomacy: Debt as a Weapon What John Perkins alleged two decades ago—that a system that uses debt to shape nations’ choices—still resonates. But the 2020s bring new players, new contracts, and new fault lines, marking a significant evolution in debt diplomacy. Here’s how the playbook has evolved—and what it means for countries caught in the middle.
California’s 2025 Legislative Reset: Housing Density Meets AI Accountability California’s 2025 legislative session was historic. Governor Gavin Newsom signed 794 bills into Law, vetoing 123 others, in a sweeping effort to address the structural challenges facing the state. Among these, two policy areas stand out for their transformative potential: housing reform and the regulation of artificial intelligence. These initiatives not only address immediate crises, such as affordability and tech ethics, but also set a precedent for national policy debates.
Governor Gavin Newsom signed 794 bills in 2025, spanning a Wide Range of Policy Areas. The Governor never met a new regulation designed to control every element of human experience that he didn’t like. The control in California of the human experience moves one step further toward the Communist Chinese Party experiment. Tax, regulate, and provide a safety net for those who don’t want to work. They will come in groups, and I will maintain control over them. They will vote for me because I represent a life-line hammock.
SB-21: Reforming Single-Room Occupancy Housing and Homeless Assistance- Quick Read California Senate Bill 21 (SB-21), authored by Senator Maria Elena Durazo and signed into Law on 10 October 2025, represents a significant update to the state’s housing policy. The bill addresses the rehabilitation and replacement of Single-Room Occupancy (SRO) units, a critical housing resource for extremely low-income and homeless individuals. It amends provisions of the Housing Crisis Act of 2019 to allow flexibility in redevelopment while maintaining affordability protections.
SB-21 (2025): How Sacramento Rewrote Single Room Occupant (SRO) Rules—And What It Means for Housing, Finance, and Cities- Technical Read SB-21, signed on 10 October 2025 (Chapter 511, Statutes of 2025), updates the Housing Crisis Act framework to allow jurisdictions to rehabilitate and replace single-room occupancy (SRO) buildings with more flexible unit replacement rules. This update, while securing long-term affordability and strengthening tenant protections, ensures a fair and balanced approach for all stakeholders. Most provisions take effect on 1 January 2026 (the regular effective date for non-urgency statutes).
Demonstrations and Rioting in the USA are a Big and Profitable Business Enterprise. History and economic dimensions of activist demonstrations and rioting in the United States, including its evolution into a profit-driven and politically charged enterprise:
The Psychology of Economic Behavior — Why We Choose What We Choose Let’s review a few comments between economists, Ludwig von Mises and Friedrich Hayek, and compare their views on purpose and individualism.
Top Mortgage Risks: Empowering Knowledge for Every Borrower and Lender. The mortgage industry, a vital pillar of the housing market, is not immune to significant risks. Both lenders and borrowers face challenges that, if not managed effectively, can lead to severe financial strain. Below, we present the top mortgage risks, ranked by their potential Impact, along with real-world examples, to raise awareness and caution.
AB-628: Working Refrigerators and Stoves Become Mandatory in Most Rental Homes (Effective 1 January 2026)- Technical Read
Stop, and Go Dynamics in Business: The phrase “Stop, and Go” is not just a simple expression, but a concept of profound importance in various aspects of life, particularly in the dynamic world of business. Its literal and metaphorical uses carry significant implications, shaping the way we understand and navigate the business landscape.
How to Locate, Vet, and Negotiate with Private Money Lenders: The Key to Secure and Confident Real Estate Financing, Packed with Valuable Insights (A Borrower’s Handbook)
American Moral Hazard Analysis, Sector-by-Sector: Government Inefficiency, Corporate Profitability, and Insurance Market Instability A moral hazard occurs when one party is insulated from risk and therefore behaves differently than they would if they were fully exposed to the consequences of that risk. The risks are systematically transferred to another group, a subset of the whole group, or an external entity.
AB-326: California Balcony/Exterior Elevated Elements (EEEs) Inspection and Repair, Compliance SB 326 vs. SB 721-What Property Owners/HOAs Must Do
Radicalized Ideologies Spring Up in the Age of Algorithms: Why, And How They Spread—and What Actually Works Against Them Radicalized ideologies thrive when three forces converge: grievance and the need for significance, compelling narratives that legitimize extreme means, and networks that reward commitment and belonging. Researchers frame these as needs–narratives–networks (or, in classic models, the “staircase” that narrows choices as people move upward).
A Collision of Good Intentions, Bureaucracy, and Market Reality with Far-reaching Consequences: California’s Entitlement Feed Back Loop
A Dramatic Shift in Real Property Development is Upon Us California is on a mission to install millions of high-density stack-and-pack apartment dwellings and affordable housing units to conform to the vision outlined by former President Obama, as outlined in the Affordable Furthering Fair Housing (AFFH) initiative. Stack up to the heavens, and they will come.
SB-489: Addressing California’s Housing Crisis by Streamlining Approvals and Enhancing Transparency-Quick Read
AB-1050: Technical Analysis of California’s Reform on Unlawfully Restrictive Covenants- Technical Read
AB-1050: Removing Barriers to Housing by Tackling Restrictive Covenants- Quick Read California’s housing shortage isn’t just about zoning—it’s also about outdated property covenants that block redevelopment. AB 1050 targets these hidden barriers to unlock new housing opportunities
AB-1021: Leveraging School Property to Address California’s Housing Crisis-Quick Read Repurposing underutilized school property into workforce housing.
AB-920 and California’s Digital Pivot: Centralized Permit Portals for Housing Development- Technical Read
AB-480 — Personal Income Tax Law • Corporation Tax Law • Insurance Tax Law: Low Income Housing Tax Credit (LIHTC) A full-length policy analysis for developers, investors, local officials, and housing advocates (October 2025)
AB-463 (likely AB 462): Speeds Approvals for Coastal & Disaster Area ADUs A complete length policy analysis for homeowners, local officials, lenders, and advocates (October 2025
AB-457 — Addressing Farmworker Housing Shortages in California’s Central Valley A full-length policy analysis for practitioners, local officials, lenders, and advocates (October 2025)
AB-413: Translating State Housing Guidance into California’s Major Languages A full-length policy analysis for practitioners, advocates, and local officials
AB-413: Expanding Language Access in California Housing Policy- Summary Read Assembly Bill 413 (AB-413), introduced by Assemblymember Mike Fong during the 2025–2026 legislative session, addresses a critical barrier in California’s housing policy: language accessibility. The bill mandates that the California Department of Housing and Community Development (HCD) translate its public-facing guidelines into the non-English languages spoken by a substantial number of residents. This measure aims to ensure that all Californians—regardless of language proficiency—can understand their rights and access housing-related services.
California AB-301: Residential Private Permitting Act and Post-Entitlement Phase Permits California is currently grappling with a severe housing crisis, a pressing issue that has prompted lawmakers to take action. Assembly Bill 301 (AB-301), authored by Assembly Members Pilar Schiavo and Robert Rivas, is a significant step in this direction. It expands existing housing approval reforms by imposing strict timelines on state agencies for permits issued during the post-entitlement phase—mirroring requirements already applied to local governments
California AB-36: Housing Elements and the Pro-housing Designation Program California continues to push for accelerated housing production and affordability through legislative reforms. Assembly Bill 36 (AB 36), authored by Assembly Member Esmeralda Soria, strengthens the Pro-housing Designation Program (PDP) by shifting from temporary emergency regulations to permanent rules and expanding incentives for jurisdictions that adopt pro-housing policies.
California AB-87: Housing Development and Density Bonuses Explained California continues to push aggressive housing reforms to address its affordability crisis. Assembly Bill 87 (AB 87), authored by Assembly Member Tasha Boerner, amends the state’s Density Bonus Law (DBL) to clarify how incentives apply to mixed-use developments and affordable housing projects.
California SB-79: Transforming Housing Near Transit Hubs On 10 October 2025, Governor Gavin Newsom signed Senate Bill 79 (SB-79) into Law, marking one of the most significant housing reforms in California’s History. Authored by Senator Scott Wiener, SB-79 aims to tackle the state’s housing affordability crisis by upzoning land near major transit stops and streamlining development in transit-rich areas.
California’s New Building Standards: How State Mandates Are Reshaping Property Rights and Neighborhoods California building standards, Title 24 compliance, electrification mandates, zoning changes, erosion of property rights, high-density housing, progressive energy codes, natural gas bans, and real estate development in California.
California’s Housing Revolution: How Federal Mandates and Progressive Policies Are Reshaping Property Rights and Suburban Life California housing policy, AFFH regulation, real estate lending crisis, suburban zoning changes, erosion of property rights, HUD mandates, progressive housing agenda, decline of commercial real estate, and threat to suburban lifestyle.
America is at a Crossroads Between Capitalism and Individual Accountability, and Collectivism and Outright Socialism. Promoting capitalism and individual accountability in a society that’s increasingly debating collectivist approaches requires a mix of policy, culture, and education.
The Road Less Traveled. Lessons in Real Estate Finance. “Life is difficult.” — M. Scott Peck. Markets shift—insurance costs spike. Regulators rewrite the playbook. These are the challenges that real estate finance professionals face regularly.
Setting Up an Operational Manual for a Company’s Marketing and Promotion Efforts: The objective is to provide a clear roadmap of the company’s marketing objectives, enabling associates, employees, and vendors to participate and contribute to the company’s success proactively.
AB-130: The New California Law that States That a Homeowner Association Fee Violation cannot be more than $100? Abusive HOA practices: Some homeowner associations harass their property owners with continuous fee assessments for every little thing. The propensity is irritating and makes property owners feel like another big brother is watching and harassing them. The practice is abusive and creates a bureaucratic infrastructure that supports itself on the backs of homeowners.
Live Your Life for Today, not Yesterday. Yesterday was a Mere Memory. We Only Have Today and Tomorrow. Time spent on bad memories of yesterday is wasted energy. Associate with people who share the same lifestyle goals for today.
What Event in One’s Life Causes Them to Make Significant Changes for the Better? That pivotal moment or “spark” that causes someone to make significant life changes for the better often stems from a personal crisis, a profound realization, or a transformative experience. While the catalyst varies from person to person, here are some common types of events that tend to trigger such shifts:
Manufactured Culture: Power, Profits, Access, and the Illusion of Choice A substantial share of modern culture is intentionally engineered—not only by governments and ideologues, but also, more pervasively, by profit-seeking media, corporate advertisers, and platform firms that shape what we see, how we communicate, and even how we spend our time. Yet culture is never entirely manufactured: it also emerges organically from audiences, creators, and communities.
An Overview of Cloward and Piven, Two Radical Left-wingers in the USA Overview of Richard Cloward and Frances Fox Piven, their strategy, and why they remain controversial:
‘Trimming the Fat:’ Understanding the Metaphorical Usage The idiom ‘trimming fat’ originates from the literal practice of butchering meat. Still, it has now been metaphorically extended to mean removing unnecessary or non-essential parts of something to improve its efficiency.
Public Nuisance Number One: The Federal Bureaucracy Of Non-Essential Parasites. America’s most pressing threat to efficiency and fiscal health isn’t foreign adversaries or market volatility—it’s the entrenched bureaucracy operating inside its own government. These bureaucratic institutions, often shielded by powerful public-sector unions, have become a self-preserving machine that resists accountability and reform. The time for action is now. Come on, Trumpster, get busy.
If a Christian Professes Faith and Another Person Professes Another Faith, there is no Reason to Argue Which is Better or which God is Real. Arguing over which faith is “better” or which God is “real” often leads to division rather than understanding.
When the power grid goes down for an extended period, how to survive and what actions to take A prolonged power grid failure can disrupt nearly every aspect of modern life, so preparation and immediate action are crucial.
When The Electricity Goes Off: And the Inter-Connectivity of Utility Systems Our utility systems are not isolated entities but rather intricately interconnected, forming a complex web that sustains our daily lives. Understanding this interconnectedness is not just crucial, but it also empowers us with the knowledge to be aware of and informed about potential disruptions.
How to Overcome Deep-Rooted Insecurities: With Self-Awareness, We Can Effectively Manage and Eliminate Them. Overcoming deep-rooted insecurities is a gradual process that begins with self-awareness and self-acceptance. It involves mindset shifts and consistent practice. It’s crucial to understand that change takes time and to be patient with oneself as one embarks on this journey. Please share this article with someone who may find value in it.
Marxism and DEI: Overlap, Divergence, And What’s Really at Stake? It’s a topic that’s both fascinating and complex, offering a rich ground for exploration. Let’s delve into it:
Consumers are Encouraged to Pay Down Debt to Achieve Economic Freedom, While the Government Does the Opposite by Taking On More Debt and Accelerating Deficit Spending. That causes the national debt to climb past $40 trillion, which is a public obligation. There is a critical contradiction: individuals are urged to reduce personal debt for financial stability, while the federal government expands deficit spending, pushing the national debt into unprecedented territory. Crossing $40 trillion would indeed be alarming because:
Moral Hazards in The GDP Calculation of Economic Growth A moral hazard occurs when one party takes on excessive risk because they do not bear the full consequences of that risk—often because someone else will absorb the cost.
Fiat Currency Issuance and GDP If the government creates fiat currency out of thin air that becomes the taxpayer’s debt and then spends it, is that economic growth, or a sham of growth?
Designing Business Feedback Loops for Sustainable Growth and Risk Control Feedback loops—reinforcing (positive) and balancing (negative)—shape how businesses grow, stabilize, or stall. Reinforcing loops create flywheels that amplify momentum (e.g., reputation → demand → revenue → reinvestment → quality), while balancing loops impose constraints (e.g., capacity, risk, cash) to prevent runaway failure. In practice, both types interact, and time delays between cause and effect often produce oscillations and unintended consequences.
The Term “Police State” in U.S. Political Discourse The concepts of the police state and police state overreach are not new. It has a long history. It may be layered in truth or used in a political context to harass the opposing party as though they are the culprit. Police, state, and government overreach go hand in hand.
The Four Components of American Enterprise--interdependent—competing forces--and Why They Matter The U.S. economy runs on four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility. This is a shortened version of an article of the same title.
The Four Interlocking and Competing Forces Driving—and Distorting---the American Economy—and Why They Matter The U.S. economy is driven by four interdependent components: workers, consumers, government, and the Federal Reserve. Understanding their roles—and how they interact—helps explain both growth and volatility.
Debt Monsters-Credit Cards-Locked into A Spiral of Dread The current state of credit card defaults is not just a concern; it’s alarming. We’re witnessing the highest rates in 14 years, a stark reminder of the 2007-08 meltdown.
Credit Card use can be beneficial. It can also become a curse to deal with. Consumer habits will dictate whether it is advantageous or a curse. Credit cards can be powerful financial tools, but they come with both advantages and disadvantages.
Insurance Companies: Admitted vs. Non-Admitted Here’s the difference between admitted and non-admitted insurance carriers in California:
The Moral Hazard of Dependency: Why America Must Reclaim Self-Sufficiency Moral hazard is a term often reserved for insurance and finance, but its most corrosive form may be cultural. It occurs when people take on more risk—or exert less effort—because they don’t bear the full consequences of their choices. In social policy, moral hazard emerges when systems reward dependency over self-sufficiency. The result is predictable: fewer people strive to stand on their own, and more people settle into reliance on others—whether government, employers, or family—without a plan to regain independence.
Welfare vs. Entry-level Job Comparison in California: How did the term entitlements and benefits become so ingrained in the public persona? We can work and pay taxes, or choose to go on the welfare system, tax-free
Should Commercial Lenders Enforce the Due-on-Encumbrance Clause if a Borrower Records a PACE Loan? Yes, a commercial lender can generally enforce a due-on-encumbrance clause if the borrower records a PACE (Property Assessed Clean Energy) loan, because:
List Hidden Taxation in the American Enterprise System If there is any question about the top tax bracket being 70% or more, think again. Hidden taxes are the culprit.
Inflation as a “Hidden Tax”: What It Is, Who Pays, and Why It Matters Economists have long referred to inflation as a hidden (or stealth) tax because it reduces the purchasing power of money without a vote or new legislation. Milton Friedman put it bluntly: “Inflation is a form of taxation without legislation.” He argued that it acts directly on cash balances and—through unindexed tax rules—quietly raises practical tax burdens as prices rise.
The Power of Repetition: How Lies Become “Truth” and How to Fight Back Propaganda, a potent force that thrives on a simple yet powerful principle: repeat a lie often enough, and it begins to feel true. This isn’t just a political tactic—it’s a psychological phenomenon deeply rooted in how our brains process information. Understanding why repetition works—and how to counter it—is not just important, but urgent in today’s media-saturated world.
The 2025 PACE Regulatory Reset — What Lenders, Program Administrators, and Property Stakeholders Need to Know Residential Property Assessed Clean Energy (R PACE) financing will operate under a materially new federal regime beginning March 1, 2026, following the CFPB’s December 2024 final rule applying TILA/Regulation Z to PACE and adding Ability to Repay (ATR), TRID, and other mortgage-like obligations to PACE transactions.
Private Money Lending: A Strategic Alternative to Bank Financing in Real Estate With case studies and a field-tested playbook for finding and vetting lenders: Private (hard) money lending is a strategic tool in real estate investment, offering speed, flexibility, and asset-based underwriting. It’s the solution when opportunities in the market Demand immediate action, bypassing the wait times of traditional bank loans. While it may be costlier, private capital empowers investors to pursue fix and flip, bridge, construction, and creative strategies that many banks won’t finance.
Church and Non-Profit Owners Can Now Unlock Hidden Value in California Real Estate Through Entitlement Arbitrage: California’s evolving land use laws have created a rare window of opportunity for church and non-profit corporations. With the state now overriding local municipalities in the approval process, properties once constrained by zoning limitations can now be repositioned for high-density residential development—dramatically increasing their value.
Will lenders allow PACE/HERO loans to encumber the property when the lender has a first trust deed? Commercial lenders do not automatically allow PACE (Property Assessed Clean Energy) or HERO loans to be placed on properties when they hold a first trust deed.
The Distinction between truth and Illusion in American Politics: An Analysis of facts, Frames, and the Post-Truth Challenges. In an era where the battle between objective facts and manufactured narratives is shaping American politics, understanding the difference between truth and illusion is more crucial than ever.
Police State, Tyranny, Authoritarianism, and Totalitarianism: Understanding the Differences and Lessons for Modern Governance
The Social Security Trust Fund Illusion: What Americans Should Know For decades, Americans have been told that the Social Security Trust Fund is a reserve of assets set aside to pay future benefits. In everyday language, “trust fund” evokes an image of money invested and waiting to be drawn down.
Why Do Borrowers Choose Privately Funded Loans Over Bank Loans? When banks say no, private lenders, in most cases, will say yes.
Entitlement Arbitrage: Property Owners Unlocking Hidden Value in California Real Estate California’s evolving land use laws have created a rare window of opportunity for real estate property owners and investors. With the state now overriding local municipalities in the approval process, properties once constrained by zoning limitations can now be repositioned for high-density residential development—dramatically increasing their value.
California’s Entitlement Feed Back Loop: When Good Intentions, Bureaucracy, and Market Reality Collide California prides itself on protecting consumers, tenants, and communities. However, as “I’m entitled to some of yours” expectations harden into mandates, the machinery required to deliver on those expectations grows—rules multiply, compliance becomes a business line of its own, and costs cascade through housing, insurance, and everyday enterprise.
Why Mutual Cooperation Is Breaking Down—and What’s Driving It For decades, commerce and civic life rested on an implicit social contract: cooperation and mutual respect.
The Dr. Zhivago Effect In California Many of us are old enough to remember the classic novel Dr. Zhivago, completed in 1956 by Boris Pasternak, a Nobel prize-winning masterpiece…The 1966 film adaptation of the story went on to win six Academy Awards. It is a romantic drama set in historic Russia between the years before World War I and the Russian Civil War of 1917-1922…
The Alarming Scope of Elder Abuse in the United States: A Hidden Epidemic By any measure, elder abuse in the United States is a public health and public safety crisis hiding in plain sight. As America ages—older adults will comprise roughly 23% of the population by 2050—the frequency, severity, and cost of abuse are rising, while reporting remains stubbornly low. That combination makes elder abuse both widespread and chronically undercounted.
Lies, Damned Lies, and Statistics: The Origin, Evolution, and Real-World Lessons The phrase “lies, damned lies, and statistics” is not just a cultural shorthand for skepticism toward data-driven arguments, but a powerful reminder of the potential for manipulation in numerical data. How would we feel if we realized that government statistics were one giant reservoir of lies and misstatements? So, what do you think?
Systemic Ignorance: Why So Many Americans Know So Little History—and Whether It’s by Design If people remain ignorant from one generation to the next, then change and exploitation can easily be introduced. Each subsequent generation remains unaware of the preceding generations and only holds a frame of reference of their current generation. Manipulation and exploitation are easy because people know no difference; Ignorant people think that is the way it has always been.
Why Jesus Created the Most Profound Movement In History. He Was The Original Great Influencer. • Scale of Impact: Christianity grew from a small Jewish sect in the 1st century to the world’s largest religion, influencing billions of people across 2,000 years. • Enduring Movement: Few movements have endured with such continuity and global reach as Jesus’s, leaving a lasting impression and earning respect across the world.
How to Spot Manufactured Illusions: A Practical Guide (with Real World Examples) Manufactured illusions don’t usually look like lies. They feel true, familiar, emotionally satisfying, and endorsed by sources we trust, or that we foolishly trust. That’s by design.
Subordination and Inter-Creditor Agreements: Agreements that Modify the Collateral Lien Position, by Mutual Written Agreement Between Principal Parties A contractual document that provides a mutual understanding of modifying lien priority in real property transactions.
Is Affirmative Action Marxist? Separating Myth from Reality Few topics spark as much debate as affirmative action. Critics often claim it’s rooted in Marxist ideology. But is that true—or just a convenient talking point?
Entrenched Bureaucracy and Legislative Burden: A Compounding Threat to Profitability in California’s Real Estate and Insurance Markets Bureaucracy, onerous laws, and regulations are the economic cancers that continue to metastasize, inflicting severe damage to organizational efficiency and profitability.
What’s Killing Your Profitability? 10 Hidden Counter Forces (with Practical Examples, Metrics, and Fixes)
The Remote-Work Reset: How Hybrid Work Is Rewriting the Commercial Real Estate Playbook Remote and hybrid work have shifted from emergency measures to a durable operating model. The result is a structural re-rating of U.S. office demand, vacancy, valuations, and city finance.
The Second Amendment to the U.S. Constitution, ratified in 1791 as part of the Bill of Rights, reads: “A well-regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.”
Does the Bureau of Labor Statistics Lie for Political Gain or Desired Propaganda to Further Their Agenda and Ideology? The history of the Bureau of Labor Statistics provides false statistics, then revising them later as a propaganda ploy or political ploy. The BLS routinely overestimates or underestimates when it is politically expedient, and revises when it gets caught.
California Property Inflation and Insurance Stress: Multiple-Torpedoed-Whammies Against the People and Private Property Rights. California is experiencing a multitude of counter-economic forces that undermine the dream of homeownership and significantly add to the stresses of current property owners and renters alike.
The Rise of Techno-Surveillance in America: Urgent Need for Privacy in the Age of Data The American Way of Life depends on The People Continuing to Accept Mass Illusions To perpetuate the Culture and The Economic Systems, including 24/7 surveillance.
Fiat Currency and Inflation Cycles: Understanding the Definition and Connection Fiat currency—money that derives its value from government decree (force) rather than a physical commodity—has become the foundation of modern economies. While it offers flexibility and efficiency, it also introduces a critical vulnerability: the potential for manipulation, inflationary cycles, and deflationary cycles.
All About Fiat Currency: Fiat currency plays a central role in inflation because it gives governments and central banks the ability to control the money supply.
SB-9: California: The objective is two dwellings on one single-family lot, or one single-family lot subdivided into two parcels. SB 9 and the Fight for Housing in California: The State Takes Over the approval authority, Municipalities left with Ministerial Approvals Only, Court Rulings, and What It Means for You.
The Great Transformation: Transforming Ourselves, Our Country, and Our Way Of Life. The primary transformation is about ourselves, as we learn and adapt to the rapid changes around us.
Legal vs. Equitable Ownership in Real Property: Why Is This Critical? As It Relates to a “Due on Sale,” and “Due on Encumbrance” Provision in a Deed of Trust
Earners (Workers Who Pay Taxes) vs The Non-Productive (So-Called Bureaucratic Worker) Class and The Parasitic Takers Who Produce Nothing But Expect Everything as an Entitlement. It’s a question of profound significance. It delves into economic productivity, social policy, and cultural values, making it a topic of great interest and relevance. Who earns, pays taxes, and contributes to the economic engine of the U.S., and who are merely takers who subsist while exploiting the productive people? I intend to exclude those who are genuinely in need of help because of age, mental, or physical handicaps.
Milton Friedman, Most Influential Economist in the 20th Century. Milton Friedman (1912–2006) was one of the most influential economists of the 20th century, renowned for his strong advocacy of free-market capitalism and his foundational contributions to the development of monetarism. His ideas continue to shape modern economic policies, making him a significant figure in the field.
The Seemingly Smart Borrower Refuses to Pay for Adequate Property Insurance Fools Rush in Where Wise Men Never Tread
Who is Howard Roark from the Novel, The Fountainhead? Howard Roark is the protagonist of Ayn Rand’s 1943 novel The Fountainhead. He’s a fiercely independent and idealistic young architect who represents Rand’s philosophy of individualism and creative integrity. Roark is known for his uncompromising commitment to his own architectural vision, refusing to conform to traditional styles or societal expectations.
The Smoot-Hawley Tariff Act of 1930: Part II What are the economic and geopolitical consequences of raising tariffs today as compared to 1930
The Smoot-Hawley Tariff Act of 1930: Part I The Smoot-Hawley Tariff Act, officially known as the Tariff Act of 1930, was a U.S. law that raised import duties on thousands of goods to protect American businesses and farmers during the Great Depression. Sponsored by Senator Reed Smoot and Representative Willis C. Hawley, it became infamous for its unintended economic consequences, serving as a cautionary tale against hasty policy decisions.
When Clouds Are Seeded, The Weather Is Impeded Seeding clouds can bring rain, and sometimes too much rain, causing material damage and loss of life.
Non-Profits and Churches: A Real Estate Lender’s Guide In California, the Attorney General’s office plays a critical oversight role for nonprofit and religious organizations, particularly those classified as charitable entities.
Loaning On Land Parcels Containing Manufactured Homes That Are Classified As Real Property Today A Cautionary Tale: Real Property vs Personal Property. One month after the manufactured home is installed on its permanent foundation, it is considered personal property. Three months later, it is classified as real property because the owner has completed the 433a certification process. The reality is that a manufactured home can still be uprooted from its foundation and hauled away with a big rig and specialized equipment.
Frequently, the Mortgage Broker Must Help Clean Up The Borrower’s Mess To Close The loan. A good mortgage broker is worth their professional designation as a real pro, and to earn a handsome fee when they handle technical problems to achieve an adequate solution to get the loan approved
AB-1893, California: Builder Remedy Here’s a comprehensive summary of California Assembly Bill (AB) 1893, which significantly reforms the Housing Accountability Act (HAA) and its Builder’s Remedy provisions, effective January 1, 2025:
Streamlined approval process to accelerate housing development (California). In California housing legislation, a streamlined approval process—often referred to as a streamlined ministerial approval process—is designed to accelerate housing development by removing discretionary barriers and simplifying local review procedures.
AB-2243, California: Housing on Commercially Zoned Land Here’s a detailed summary of California Assembly Bill (AB) 2243, which significantly expands the scope and impact of AB 2011 and SB 6 to promote housing development on commercially zoned land:
Why Should the State of California Require All Above-Ground Electrical Lines to Be Replaced with Underground Lines? Having electrical lines underground offers several key benefits, especially in terms of reliability, safety, and aesthetics. Here’s a breakdown of the main advantages:
AB-2243: Streamlined Housing Approvals for Residential Developments on Commercially Zoned Property. Assembly Bill (“AB”) 2243 expands the existing streamlining process for residential developments on commercially zoned properties. The law took effect January 1, 2025.
SB-1123, California: Tiny Lots- Allows Ministerial approval for 10 or Fewer Parcels on Lots of 5 Acres or Less Here’s a comprehensive summary of California Senate Bill 1123 (SB 1123), which builds upon and expands the provisions of SB 684 (2023) to streamline housing development further:
California Senate Bill 35 (SB-35) Tiny Home Subdivisions SB-35 was enacted in 2017 and is a key piece of legislation aimed at addressing the state’s housing crisis by streamlining the approval process for certain residential developments.
Peter Drucker: The Father of Modern Management Peter Ferdinand Drucker (1909–2005) is widely regarded as the father of modern management. His pioneering work laid the foundation for contemporary management theory and practice. This essay examines Drucker’s biography, key contributions, influence on both the business and nonprofit sectors, and his enduring legacy.
UCC-1 Financing Statement? What is it and how does it work? A UCC-1 (Uniform Commercial Code-1) financing statement is a legal form that a lender files to publicly declare their interest in a borrower’s personal property as collateral for a loan. It’s part of the Uniform Commercial Code, which governs commercial transactions in the United States. This filing process is a crucial step in the loan process, ensuring that all parties are informed and knowledgeable about the legal aspects of the transaction.
Mechanics’ Lien Laws: California California’s Mechanics Lien Law provides a legal remedy for contractors, subcontractors, suppliers, laborers, and certain design professionals to secure payment for work or materials provided on construction projects. Here’s a comprehensive overview based on the latest 2025 guidance:
Trust-Owned Property: A Strategic Lending Opportunity for Real Estate Professionals Please note that, as a matter of law, the trustee of the family trust owns the property on behalf of the trust. The trust is not a standalone entity and cannot act without a trustee.
The History of Social Engineering The U.S. government is deeply intertwined with broader global trends in governance, psychology, and public relations. The term “social engineering” may conjure images of manipulation or control. Still, its application in the U.S. has a rich history, ranging from public health campaigns to education and economic policy. It’s similar to obedience training.
Owner-Occupied Commercial Buildings- Ownership of Two Different Entities of the Same Principal- The Business and The Real Estate Financing owner-occupied commercial buildings presents unique challenges and opportunities, especially when the ownership and operating structures involve entities like S-Corporations and a trustee of a revocable family trust
The Federal Supremacy Clause is found in Article VI, Clause 2 of the United States Constitution. It establishes that the Constitution, federal laws, and treaties made under its authority are the supreme law of the land, overriding any conflicting state laws.
How Many Different Ideologies in America Rise to The Level of a Political Force of Dominance? In the United States, many political ideologies have become dominant or influential forces in shaping policy, public discourse, and electoral outcomes. While the two-party system (Democratic and Republican) tends to obscure the diversity of thought, many more ideologies are widely recognized as having significant political influence:
Investing in value-added real estate with private money financing can be highly profitable, but it also comes with several risks that investors and lenders must carefully evaluate. A profit potential will be calculated on the front end, including developing a plan, obtaining bids, the outlay of capital for fix-up costs, re-rent, and stabilization.
California’s Centralized Development Approval Process: A Shift in Power A state-level bureaucracy has taken over the development approval process, leaving local municipalities with only ministerial approval rights, subject to the state standards.
Can You Acquire Property Subject to a Seller’s 3% Loan Without Notifying the Lender? Most trust deeds and mortgage documents have an alienation clause, referred to as a due-on-sale clause, providing for an acceleration of the debt on the transfer of ownership
A Few Borrowers’ Withheld Material Facts Which Complicate the Loan Underwriting Process Lenders rely on receiving all material facts available to make their credit assessment of the collateral property and the borrower. When information arrives in sketchy or inconsistent forms, it complicates the process.
AB-3108-Makes it a felony for any mortgage broker or loan originator to knowingly misrepresent the purpose of a loan. This law, which focuses on making loans to single-family owners of occupied properties, tightens accusations of fraud by a mortgage broker while simultaneously inviting borrowers and hungry lawyers to sue the lender and mortgage broker for fraud. This recent law was signed by Governor Newsom in California, amends Section 4973 of the Financial Code.
Why Do We Tolerate Government Gaslighting? From inflation metrics that understate the rising cost of living to wage statistics that don’t account for income inequality, the American public is routinely fed distorted data. The illusion of transparency is just that—an illusion. Behind the curtain lies a pattern of manipulation that critical thinkers must confront.
Clear and Present Danger: When He Tried to “F” Over His Soon-To-Be Ex-Wife Honey, I Didn’t Think You’d Mind!
The Illusion of a Down Payment in the Mind of a Fool A borrower is attempting to rationalize the fact that the tenant is paying off the owner of the property to cancel the lease and vacate the property, which belongs to him as a financial asset. He suggested that the amount of the lessee’s payment to the property owner as consideration for cancelling the lease should be considered his down payment because he is getting such a good deal on the vacant commercial property.
Institutional Theft: The Systematic Transfer of Wealth from Ordinary Taxpayers to The Elites. The people are kept busy through entertainment outlets and through continuous propaganda to ensure the status quo. The process occurs repeatedly with only minor grumbling by the people.
What happens when corporations try to manipulate consumer purchasing habits? Manufacturers must understand and meet their purchasers' needs. When this understanding is lacking, it can lead to misallocation of assets, resulting in losses for the manufacturer and a lack of customer satisfaction and confidence in the brand. U.S. corporations have a long history of creating public relations crises, often due to this very reason.
Caution, Zombies Ahead: Enter at Your Risks? The experience may be devastating, the outcome full of chaos, and the emotional aftermath will be long-lasting. Be fully aware of the potential dangers that may lurk ahead; an ambush may be lying in wait.
The U.S. as the World Reserve Currency Status Holder The U.S has been the world reserve currency holder since 1944, but can it last? Currently, there are major competing forces, including BRICS, which was initiated by China, Russia, India, Brazil, and South Africa, that now boast 22 applicants to become members. This is a giant international socio-economic cosmic shift in power dynamics.
The War on Political and Cultural Marxism Is Alive, Ongoing, But Has Been Substantially Weakened. Total Victory of Annihilation is Within Reach. With Continuous Successful Efforts, We Continue to Slay This Dragon. Why: The Dems are in compliant submission, and the Repubs are Feckless: The Repubs lack purpose, without practical skills, ineffective, incompetent, subversive agendas. The army of ordinary people must fight back against the entire system to regain their culture of freedom and democracy.
As the Public Discovered That The Response to COVID-19 was a Fraud, and wearing the Mask Was A Political Statement, Gaslighting was the Government’s, Large Corporations’, and Big Pharma’s Answer to Avoiding Responsibility Gaslighting is “psychological manipulation,” causing the public to question their reality about the effectiveness of the phony vaccine. They relied on “phony, illusory science” because most of the testing was on mice, not human beings. The reality was that the phony vaccine was a gene-modifying mRNA substance.
Shoplifting begets financial losses for the business owners Financial losses render the business unprofitable, and therefore, there is no motivation to continue operating.
Wimpy, Buy Now, Pay Later! A Lesson in Government Spending Like Wimpy, who practices getting things today and deferring payment until later, the government subscribes to the same principle.
Make Profits Purchasing Promissory Notes Secured by Real Estate Note purchases are a large, sophisticated industry designed for sophisticated investors, typically those who are accredited.
Systemic Failures Outside Our Control: Part I- Reinventing Ourselves How To Respond When Systemic Failures Are Outside Our Control
Investors Find Good Yields with Private Money Trust Deed and Mortgage Investments Investing in trust deeds and mortgage investments is popular because the yields are high compared to similar investments, considering the associated risks, management, and time consumption.
Legacy Media as an Arbiter of Truth Is Dead, and No Time Too Soon Since the days of Edward R Morro, the media has served as an establishment propaganda arm. Their pay was power, access, and advertising dollars while they sold out the American public.
Private Money: Procedures and Strategies for Loan Originations How do brokers and lenders locate hard money loans?
SB-549: We Could Have Guessed That This Was Coming: The California government, using taxpayer dollars, gets into the development game in the Palisades and Eaton fire rebuilding efforts.
When I Was Much Younger, Having Differing Opinions was a Minor Irritation. You jabbed at friends who thought differently, suggesting they had inferior intelligence or were uneducated, laughed about it, and had a beer together, essentially getting on with life as it should be.
To “Skate by” Means Sliding by Without Doing Any Visible Work or Spending any Effort. Have you met people who accomplish little, make little, or no progress, but seem to meander through life and appear as normal?
The California Shifting Real Estate Landscape: High-Density Housing on Steroids The California Legislature has passed laws that significantly alter the development approval process, shifting it from local municipal jurisdiction to the state level.
SB-326 and SB-721: Condo and Multifamily Inspection Laws: California 2024 These two new inspection and repair laws have added significant expense to associations, which must be paid by raising association dues. Some owners cannot afford the increase in dues.
SB-79: A Shocking Turn in California's Housing Laws, Where the Unthinkable Becomes Reality How about allowing multiple high-rise apartment buildings in your neighborhood up to 65 feet tall, for the simple fact that the property is within ½ mile of a bus stop.
The California Legislature Has Created Monster-Sized Barriers to the Foreclosure Procedure: The Results Constitute a Marxist/socialist Reset, are Now a Matter of Law. Understanding the nuances of non-judicial and Judicial Foreclosure states is not just important, it's empowering. Each state has its unique procedures and regulations, and grasping these can give you a significant advantage in navigating the foreclosure process.
The Foreclosure Procedure: Judicial vs Non-judicial Laws differ in various states; some are judicial, some are non-judicial, and others are hybrids, allowing either form of foreclosure.
A Dripping Downslide, Cautioning Potential Buyers to Stay Out Of The Housing Market Drip, Drip, Drip, a Very Sustained Slippage of Buyer's Interest to Take the Plunge to Purchase Owner-Occupied And Investment Properties.
A Friendly and Professional Relationship with Lenders is Essential if a Practitioner Desires to Build a Long-term, Sustainable Career. Mortgage Brokers Should Not Show Signs of Anger, as It Is Usually a Sign of Desperation
California: Random vs Non-random Events. There are no random events in California. Dark forces tightly control everything. We are not allowed to question or obtain an entry pass to the elite club.
Subordination of Liens and Encumbrances: Fact or Fiction. “Yes, the lien holder will subordinate.” Is this statement true, or is it someone’s wishful illusion?
CEQA: A Major Hurdle for Real Property Development Projects in California Is Being Overhauled Behind the backdrop of California regulations are always the usual suspects: public employees, labor unions, and lawyers who want a piece of everyone's action. These entities often use their influence to shape policies and regulations in their favor. Growth in the size of government, as well as the expansion and consolidation of power at the top, are always at the forefront.
Private Money: Real Estate Loan Documents and Related Disclosures Real Estate Practitioners Should Gain a Comprehensive Understanding of the Loan Documentation To Carry Out Their Fiduciary Responsibilities to the Principals.
Private Money Trust Deed and Mortgage Investments The investor’s name is affixed to the borrower’s promissory note, deed of trust, and title insurance policy; the investor serves as both the lender and the beneficiary. The documents represent clear evidence of ownership (or a security interest) in collateral property.
SB-1123: Planning and Zoning: Subdivisions: Ministerial Review. This new law was signed into law on September 19, 2024 by California’s Governor Gavin Newsom and became effective July 1, 2025.
How Important Are The “5-C’s” in Credit Approval Decisions The credit approval process is characterized by industry standards, best practices, related litigation references, and regulatory requirements from both state and federal levels.
The California Legislature allows the State to live with a backdrop of Marxist corruption. “Los Angeles is one of countless examples of how the public sector will virtue signal to rob Peter, not to pay Paul, but to pay themselves, as they are not hiding the corruption.”
Empower Yourself: Are We Surrounding Ourselves with Positive, Kindred Friendships? Individuals around us exhibit diverse attitudes and behavioral patterns. We may fit into one or more ourselves. Make sure, they are positive cohorts?
AB-130: How it Damages Subordinate Financing in California, for Residential Property AB 130 was signed into law by Gavin Newsom on June 30, 2025
The more we learn about the habits of others, the more effective we will become in our personal and business lives There is great value in determining who to associate with and who to avoid: Some relationships are better left alone
Actions, Attitudes, and Behavior Patterns The more we learn about the habits of others, the more effective we will become in our personal and business lives
SB-4: A Legal Framework for Faith-Based Institutions and Non-Profit Colleges to Build Affordable Multi-Family Homes on Lands They Own SB-4: This California legislation is designed to expedite the development process for affordable housing on lands owned by religious and educational institutions, thereby significantly boosting the housing supply.
I’m as Mad As Hell, And I’m Not Going To Take This Anymore The classic movie Network (1976) was a satirical drama film that had far-reaching implications about the American Enterprise.
SB 1079: Modifies The Foreclosure Procedure of Residential 1 to 4 Properties In California Another Monstrocrity law on the books modifies the foreclosure procedure. It serves to remove protective equity rights from trust deed investors and lenders, transferring the financial benefits to a special class as dictated by the regulation.
Can We Purchase a Property and Subject to the Seller's 2.9% Fully Amortized Loan? Without Notifying the Lender Who Holds The Loan?
Real Estate Bubble or No Bubble: Let's Look Back at 2007 and the Mother of All Economic Crashes. May 2010: Warren Buffett- “Very, very few people could appreciate the bubble,” which he called a “mass delusion” shared by 300 million Americans.
AB-2424: The California Legislature Has Passed Another Monster Law, Making It More Difficult To Foreclose On 1-4 Residential Units AB 2424 is another law full of financial traps for lenders because it delays foreclosures, by extending the foreclosure period almost, almost, but not quite, idefinitely.
The Savvy Private Money Broker: Uncovered Significant Material Facts In A Potential Loan Transaction The Borrower Intentionally Hid Pertinent Information
Let’s Get Out OF Dodge, restated, Let's Get Out Of California This famed idiom is used to suggest leaving uncomfortable places. Alternatively, staying may result in dire consequences.
Daisy-Chain Mortgage Brokers Make Their Proposed Transaction Uncompetitive In The Marketplace If Three Or Four Mortgage Brokers Demand To Get Paid, it will kill almost all transactions
Assessing Private/Hard Money Loan Transactions Private money, also referred to as hard money, plays a vital role in the real estate industry.
A Trustee Of The Family Trust Holds Title On Behalf Of The Trust And The Beneficiaries A Family Trust Cannot Hold Legal Title to Real Estate.
Dancing Around the Periphery This phase refers to the act of delaying one’s genuine aspirations, delaying opportunities, or living life to its fullest potential.
Lady Sues Ex-boyfriend Over His Attempt To Steal Her Property A Private Money Lender Came To The Rescue
Round Up the Usual Suspects This phrase originated in the 1942 film Casablanca, where Captain Renault ordered his subordinates to round up familiar pawns after Major Strasser was shot.
A Young Asian Women Keeps Bugging Me To Connect On Facebook? Her Name Is “Ho Le Fook.” Am I That Special, Charming, Gorgeous, Masculine, Desirable, A Real Hunk?
Life Of A Self-starter: A Lifelong Journey Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.
Life Of A Self-starter: A Lifelong Journey Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.
Too Few Jobs And Too Few Qualified Applicants (2025) Following World War II, numerous job opportunities were available in both the manufacturing and the service sectors.
When Real Property Borrowers Default On Their Loan Obligations: Part I of IV The Key To Preparedness Is Understanding The Legal Procedures
Building Social Capital Through Personal Branding & Self-promotion The Shifting Landscape in Marketing Techniques
Loan Brokers and Agents Understand Fiduciary Relationships Most Brokers And Agents Adhere To The Concept Of Fiduciary Relationships, But A Few Fail to do so.
Lightning Speed Of Closing Private/Hard Money Loans: The Pivot When Urgency Is An Issue Sometimes Borrowers Have An Urgent Need To Get the Proceeds Of A Loan To Solve An Urgent Problem
Networking With Valuable Financial Services Providers Like CPAs, EAs, and Financial Planners Is A Valuable Referral Source For Private Money Lenders
Debt Consolidation Loans For Small Entrepreneurs Sometimes Borrowers Need a Fresh Start and Stabilization to Clean Up Past Problems
Due-On-Sale and Encumbrance Provisions In Loan Documents This Provision May be Contained In the Trust Deed for Residential, and the Trust Deed and Loan Agreement in Commercial
Why Do Hundreds Of Young Beautiful Women Want to Connect with Me On Facebook? Am I That Special, Charming, Gorgeous, Masculine, Desirable, A Real Hunk? Of Course Not, but I Am A Suspect for Exploitation, Because My Traits Attract Online Scammers
Making Loans On Real Property with Environmental Issues Anytime There Is A Commercial Property, Reviewing Environmental Issues Is Necessary
A Borrower and Their Insurance Broker Willfully Engaged In Fraud Against a Lender Even A Few Service Providers Have No integrity
How Many Advertisements Are We Exposed To Each Day Most advertisements constitute random noise in our lives.
A Real Property Borrower Operates With No Skin in the Game Maximum Leverage Can Be Beneficial or Can Be Used to Can Be Used to Transfer the Risk to the Lender
The Trade War Is a War For Economic Dominance Eventual solutions will see a recalibration of trading partners suitable for all participants.
California Has A Habit Of Issuing Penalties Based On Your Success the egalitarian state wants to syphen the last dollar out of every half-successful person
Private Money/Hard Money Real Property Loans A list of good reasons to switch to a private money lender
Condo and Multifamily Inspection Laws: California 2024 And the requirements to make recommended upgrades
Are Your Bank Accounts Safe? Part I of II The Answer is No, Hell No, And Absolutely Unequovically No: Your Bank Account Balances Do Not Belong To You Any Longer
Are We Merely Shark Bait For The Deep State An unequal playground makes the common man feel like Shark Bait because he (she) has no power
Daisy-Chain Mortgage Brokerage Services Some Mortgage Brokers Practive Receiving Leads The Passing To The Next Broker Than Can Become A Mess When All Want To Get Paid
Bureaucratic Processes Clog the Organizational Systems Systems Promoting Inefficiencies Create A Drag on Productivity and Output
Parkinson's Laws indictment of poor work habits, failing culture, organizational and institutional fraud, and government inefficiencies
Fake News, Propaganda, and Disinformation- Part I Fake News Is Having Its Comeuppence; The Viewership Sees Through The Fog Of Lies
The Greatest Heists in American History It’s Not From Robbing Banks, But Actions In The Rigged System
Debasement: Watching Your Dollars Shrink in Value Continuous Debasement Keeps The Common People On An Economic Tread Mill
Should We Sell Our Family Home and Buy a Better One? Upward Mobility is Being Trapped by Interest Rates
Real Property Insurance: Part III of III Issues Relating To The Lender And An Overview Of Types Of Coverage
Pension Plan Real Estate and Trust Deed Investor Must Comply With ERISA Employee Retirement Income Security Act of 1974 (ERISA)
The Borrower Objected to Paying for Adequate Property Insurance Stupid Is As Stupid Does, As Forrest Gump Stated
The State Of California Took Over The Development Approval Process Leaving Local Municipalities with Only Ministerial Approvals