Without many other options, homeowners are increasingly looking for other ways to get the lender to negotiate so that they can remain in their homes. Loan audits are a great tool to look for predatory lending patterns in your mortgage documents. In fact, if you’re in foreclosure and $35 or more is found in your documents, you have a defense to the foreclosure action.

Get your FREE copy of “STOP FORECLOSURE NOW, STAY IN YOUR HOME!” A comprehensive guide to using loan audits as leverage with your lender to achieve a successful and equitable loan modification.

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I would like to wish every one a very safe and Happy 4th of July. On this day we are commemorating the adoption of the Declaration of Independence on July 4, 1776, declaring independence from the Kingdom of Great Britain.

On this day I will celebrate our Freedom and the great opportunity this Great Nation has brought me and my family.

I have included the full Declaration of Independence for your review.

IN CONGRESS, JULY 4, 1776
The unanimous Declaration of the thirteen united States of America

When in the Course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. — That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn that mankind are more disposed to suffer, while evils are sufferable than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. — Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.

He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.

He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.

He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their Public Records, for the sole purpose of fatiguing them into compliance with his measures.

He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.

He has refused for a long time, after such dissolutions, to cause others to be elected, whereby the Legislative Powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.

He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.

He has obstructed the Administration of Justice by refusing his Assent to Laws for establishing Judiciary Powers.

He has made Judges dependent on his Will alone for the tenure of their offices, and the amount and payment of their salaries.

He has erected a multitude of New Offices, and sent hither swarms of Officers to harass our people and eat out their substance.

He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.

He has affected to render the Military independent of and superior to the Civil Power.

He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:

For quartering large bodies of armed troops among us:

For protecting them, by a mock Trial from punishment for any Murders which they should commit on the Inhabitants of these States:

For cutting off our Trade with all parts of the world:

For imposing Taxes on us without our Consent:

For depriving us in many cases, of the benefit of Trial by Jury:

For transporting us beyond Seas to be tried for pretended offences:

For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies

For taking away our Charters, abolishing our most valuable Laws and altering fundamentally the Forms of our Governments:

For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.

He has abdicated Government here, by declaring us out of his Protection and waging War against us.

He has plundered our seas, ravaged our coasts, burnt our towns, and destroyed the lives of our people.

He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation, and tyranny, already begun with circumstances of Cruelty & Perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.

He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.

He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince, whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our British brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these united Colonies are, and of Right ought to be Free and Independent States, that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. — And for the support of this Declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor.

— John Hancock

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Sprint Nextel announced they will emanate 8000 jobs in the first quarter of 2009. Job cuts will affect every level of the company.

Home Depot to cut 7,000 jobs which represents 2% of its workforce. Home Depot also announced they will shut down their Expo division.

Texas Instruments reported a large profit drop which led to the announcement it will cut 3400 jobs

IBM will cut at least 20,800 jobs. This announcement comes just a few days after Microsoft announced they will be eliminating 5000 jobs.

Layoffs are coming from every sector of the economy, which is troubling because it represents a wide and deep recession. It is now expected January will see another 500,000 jobs evaporate.

On a side note

Falling home prices in December pushed existing home sales up by 6.5%. Bargain hunters snapped up foreclosures, taking advantage of the largest price decline in 70 years. 45% of the homes sold in December consider distress sales, either short sales or foreclosures.

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Today will be a historic day regardless of your political affiliation. Will it be over the top? Probably? Will the national media play up this day? Most likely. But this does not down play the magnitude of what this day will represent in American History for generations to come.

Yesterday we marked the 80th Birthday of Reverend Martin Luther King Jr. and today we see many of his dreams unfold in front of us with the inauguration of President Barak Obama as our 44th U.S. President.

I hope as a country we can pull together behind this President and attack the financial instabilities we as a nation face. I hope we can have a unified front against the many wars we are fight around the globe. We as a nation should give this new President our support, as we did George Bush after the attacks on 911. Republicans and Democrats alike.

It is fine to disagree, a healthy debate is what creates great ideas in this country. You don’t have to like Obama but let’s give him a chance to govern and see what he can do as our leader.

As Americans we should be proud of our nation. I will spend the day enjoying time with my family. Maybe take my daughter to the park.

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Martin Luther King, Jr. (January 15, 1929 – April 4, 1968) was an African American clergyman, activist and prominent leader in the American civil rights movement. His main legacy was to secure progress on civil rights in the United States and he is frequently referenced as a human rights icon today. (Source Wikipidea) Read more here.

Martin Luther King, Jr. “I Have a Dream” Speech

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Read the Full Story Here.

A side note as a consumer – I bought my HD TV from Circuit City two years ago, with an extended warranty. I bought my laptop from Circuit City one year ago, with an extended warranty. I called this morning and they said the warranties are serviced by another company so not to worry… Keeping my fingers crossed.

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Best wishes for a Happy and Prosperous New Year!!

The best is yet to come…

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Circuit City files for Chapter 11 Bankruptcy protection. Circuit City is behind on payments to its vendors and therefore some vendors have threatened to with hold shipment of goods until they are paid. The Bankruptcy was a move to keep the stores open, at least through the holidays.

Read more here.

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For a full update click Here.

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