IDEAS THAT MATTER

The First Presidential Debate… Can we be honest about this?

The First Presidential Debate… Can we be honest about this?

It’s only a few weeks until Election Day and we’re still talking about irrelevant nonsense, split down the middle, locked in a deepening deadlocked partisan divide.... (Continue reading)

What is Credit Damage and What Can You Do About It?

What is Credit Damage and What Can You Do About It?

Credit damage occurs when a bank, other debt collector or a credit reporting agency causes negative information to appear on your credit report.... (Continue reading)

Measuring the Real Costs of Credit Damage

Measuring the Real Costs of Credit Damage

The question is how you can determine whether the damage done to your credit reaches the degree that it makes sense to try to recover monetary damages as part of a lawsuit.... (Continue reading)

Anyone Care to Bet? We’re in a Recession Now or Will Be Soon.

Anyone Care to Bet?  We’re in a Recession Now or Will Be Soon.

Can we connect these dots? Housing market takes a dive, consumer spending craters causing retail earnings to collapse, with underlying employment numbers somewhere south of ghastly.... (Continue reading)

How to Handle the Increased Costs We’ll All Pay Under ObamaCare

How to Handle the Increased Costs We'll All Pay Under ObamaCare

ObamaCare's out of pocket maximums established by the IRS for 2014 are $6,350 for an individual and $12,700 for a family… so that means that we’ll all pay coinsurance, copays and deductibles up to those out-of-pocket limit amounts… $6350 for... (Continue reading)

Frank & Brian Try to Help Salespeople Overcome Call Reluctance

Frank & Brian Try to Help Salespeople Overcome Call Reluctance

Call reluctance isn’t some psychological problem that you can cure by talking to yourself or by being coached to pick up the phone within 30 minutes. You know why you’re not calling your prospects… it’s because you have nothing... (Continue reading)

Armor Guard’s CEO Explains Why he Guarantees Your Smart Phone Won’t Break – A Mandelman Matters Podcast

Armor Guard's CEO Explains Why he Guarantees Your Smart Phone Won't Break - A Mandelman Matters Podcast

I realize that not everyone pays attention to ads, but this is one of those products you'll be glad you found. I thought I'd give everyone a chance to hear about the product from Armor Guard's CEO, Brett... (Continue reading)

Special Foreclosure Defense Boot Camp with Max Gardner – October 12-14

Special Foreclosure Defense Boot Camp with Max Gardner - October 12-14

Condensed into 3 powerful days. Less expensive. Last one for year. Coming up October 12-14.... (Continue reading)

30 Minutes of Talking: Has Housing or Our GDP Hit Bottom?

30 Minutes of Talking: Has Housing or Our GDP Hit Bottom?

This week on 30 MINUTES OF TALKING I'm looking at the contradictions that are being thrown at us almost every day now... this past week it was the housing market that hit bottom, according to quite a few. But... (Continue reading)

Introducing 30 MINUTES OF TALKING – A Mandelman Matters Podcast

Introducing 30 MINUTES OF TALKING - A Mandelman Matters Podcast

This week's show focuses on the Obama Administration's handling of the foreclosure and housing crisis, by examining the statements made during the press conference the administration held to announce the settlement between the 49 state attorneys general and the five... (Continue reading)

Nothing Goes Down in a Straight Line

Nothing Goes Down in a Straight Line

But, the structural problems we face have NOT changed, so I see no possibility that we aren't going to see some continued weakening in the housing market in the years ahead, and I don't care whether we're talking Phoenix, or... (Continue reading)

GUEST POST: Good for the Banks, Good for the Borrowers by Law Professor, Lauren E. Willis

GUEST POST: Good for the Banks, Good for the Borrowers by Law Professor, Lauren E. Willis

With so many Americans removed from the pool of potential buyers, those who own their homes with smaller mortgages or outright cannot sell their homes for decent prices, trapping them too in place and forcing some to delay retirement. The... (Continue reading)

Frank & Brian in Arizona for Spring Training: Think… Not, Work… Not.

Frank & Brian in Arizona for Spring Training: Think... Not, Work... Not.

Who knows... trying to pick the bottom has long since proven itself to be a fool's errand anyway, right? It certainly should have by now. My advice would be to buy on the way up. Missing the... (Continue reading)

America Needs Buddy for President in 2012!

America Needs Buddy for President in 2012!

If one million people give $70 each, that’s more than any of the GOP candidates has raised. He needs to get 15% in a national poll to get on the stage during the presidential debates so he can challenge... (Continue reading)

The Top Twelve Reasons Why You Should Hate the Mortgage Settlement – Yves Smith

The Top Twelve Reasons Why You Should Hate the Mortgage Settlement - Yves Smith

Here's the deal... I wrote a year ago when the whole AG/banker political circus started that I was not going to follow it, not going to write about it, and certainly not care about it. It was a colossal... (Continue reading)

MM EXCLUSIVE: AZ Bill Writes Down Underwater Loans for Homeowners – A Mandelman Matters Podcast

MM EXCLUSIVE: AZ Bill Writes Down Underwater Loans for Homeowners - A Mandelman Matters Podcast

"In Arizona we don't ignore problems, nor do we pretend they aren't there," Sen. Reagan explains. "Obviously, the federal programs aren't going to address our state's needs, and that's fine. We're perfectly capable of doing what's best for... (Continue reading)

GUEST POST: Dear Colleagues, by Thomas A. Cox, Esq.

GUEST POST: Dear Colleagues, by Thomas A. Cox, Esq.

This letter was written today by attorney Thomas Cox of Portland Maine, and posted on several legal listservs. It was totally unexpected and more than moving. Tom is the lawyer whose work and depositions of GMAC's Jeffrey Stephan... (Continue reading)

Sitting in at Max Gardner’s UCC Seminar at New York Law School…

Sitting in at Max Gardner's UCC Seminar at New York Law School...

So... if you're wondering why I'm writing this right now, as education is raining down all around me? Well, it's because this is like being at the All-Star Game of the foreclosure crisis. It's just packed with high... (Continue reading)

Our future hinges on just ONE thing…

Our future hinges on just ONE thing...

You know the stereotype… we all do… reckless and greedy people who bought homes they could never hope to afford by signing their names on nothing down, 80/20 “liar loans” with negative amortization and teaser rates of 1%. And... (Continue reading)

Attorneys: Foreclosure Defense at a Whole New Level – Max Gardner In-person or On video

Attorneys: Foreclosure Defense at a Whole New Level - Max Gardner In-person or On video

Max basically gives attorneys his thirty-year law practice in a box with easy to follow assembly instructions and ongoing support. And there's nothing theoretical about what Max teaches attorneys at his workshops and seminars. In fact, I've seen... (Continue reading)

The Care Bair – FDIC’s Sheila Bair Wants Principal Reductions from Banks With Loss Sharing Agreements

 The Care Bair - FDIC's Sheila Bair Wants Principal Reductions from Banks With Loss Sharing Agreements

I know… you think not modifying those loans is punishing the homeowners for getting in over their heads… but in realty, it’s not punishing them… it’s punishing you… you are running about, commenting on blogs, advocating the kicking of your... (Continue reading)

The Most Damaging Propaganda Campaign in History. And its Aimed at You and Me

The Most Damaging Propaganda Campaign in History. And its Aimed at You and Me

Debt is a status symbol… debt is a sign of success… debt is cool… you should want as much debt as you can get… being approved for more debt means you’ve made it. I want to be a gold... (Continue reading)

THEY ONCE WERE LENDERS – Understanding government’s failure to stop bankers OR scammers from destroying homeowners.

THEY ONCE WERE LENDERS - Understanding government's failure to stop bankers OR scammers from destroying homeowners.

And, to add insult to injury, our government has stood by obtuse and witless as these same banks have been permitted to lie, mislead, abuse, disrespect, malign and outright torture homeowners trying to apply for a government program funded by... (Continue reading)

Mandelman U. Presents – Securitization & Mortgage Backed Securities

Mandelman U. Presents - Securitization & Mortgage Backed Securities

Come back to 6th Grade where I’ll be teaching real 6th graders all about what the banks did to break the world. We’re going to cover the Bond Market and Securitization, CDOs and CDSs… and even Synthetics and... (Continue reading)

BREAKTHROUGH: Why Americans Are Allowing the Foreclosure Crisis to Continue

BREAKTHROUGH: Why Americans Are Allowing the Foreclosure Crisis to Continue

More than half of our country doesn’t care about the foreclosure crisis because to them, it’s just bankers acting in their own best interests by foreclosing on homes that borrowers irresponsibly bought knowing they couldn’t afford them. It’s therefore... (Continue reading)

Who’s Winning Here? The Foreclosure Crisis – A Slide Show

Who's Winning Here?  The Foreclosure Crisis - A Slide Show

Facing Change: Documenting America is a non-profit collective of dedicated photojournalists and writers coming together to explore America and to build a forum to chart its future. Mobilizing to document the critical issues facing America, FCDA teams will create a... (Continue reading)

Books That Matter: Crisis Economics, by Nouriel Roubini & Stephen Mihm

Books That Matter: Crisis Economics, by Nouriel Roubini & Stephen Mihm

Roubini explains things I didn’t previously understand, such as the details of Federal Reserve Chairman Ben Bernanke’s and Treasury Secretary Geithner’s response to the meltdown. Oh, I knew some of what those two had done, but not enough in terms... (Continue reading)

Federal Reserve Bank President Says We’re In For a Long Hard Road Ahead

Federal Reserve Bank President Says We’re In For a Long Hard Road Ahead

What happened? As the decline in housing prices began to accelerate across the country, this exposed underlying cracks in the financial system. Foreclosures began to rise, loan losses mounted, and housing prices dropped even more, creating a downward spiral not... (Continue reading)

In Case You Missed the Webinar for Law Firms…

In Case You Missed the Webinar for Law Firms...

I absolutely assure you that you will not be seeing or hearing anything you've seen or heard before. It's original thinking from Mandelman Matters, and it's based on a year of in-depth research into everything related to the foreclosure... (Continue reading)

ANNOUNCING WEBINAR: Law Firms & Loan Modifications – November 20th, 10:00 AM PST

ANNOUNCING WEBINAR: Law Firms & Loan Modifications - November 20th, 10:00 AM PST

Tweet Greatly Reduce or Even Eliminate Client Complaints, Increase Firm Effectiveness, Improve Morale & Increase Profitability. If you’re helping homeowners with loan modifications, this shouldn’t be missed under any circumstances.  It’s shouldn’t be considered optional, and I’m only doing it... (Continue reading)

Tagged with:                         

The Kids Don’t Stand a Chance – Web 2.0 is Now Open for Business

The Kids Don’t Stand a Chance - Web 2.0 is Now Open for Business

Computer technology has always annoyed me. It almost never works the way it should, always costs more than it was supposed to, and the people who write the manuals are clearly not people with whom I’d want to converse. ... (Continue reading)

Tagged with:                                                     

Pardon Me… Can We Talk?

Okay, so I just got back from vacation... and I'm feeling particularly impish. So, I thought it might be a good time to bring up a couple of things that have been swirling around in my overly active and... (Continue reading)

Who Are We Punishing?

Who Are We Punishing?

We wanted to punish Germany after WWI. That's what the Treaty of Versailles was intended to do... punish the country that had caused so much pain. It was a bad idea. Ultimately it led to WWII. We learned, and we... (Continue reading)

Tagged with:                                     

Changing the Way the President Gets Elected and What it Means to Your Business

Changing the Way the President Gets Elected and What it Means to Your Business

A long, long time ago there were "Media Kings". They had names like King Henry and King George. Sure, they also controlled armies and wealth, but as they were soon to discover, it was their control of the media that... (Continue reading)

Tagged with:                         

Business Owners Need to Face Strategic Truths of 2009 and Beyond

Web 2.0 technologies are one are in which business can gain a competitive advantage and be noticed by their target audiences. Many have already adopted these new tools, and some implementations are better than others, but most have not. ... (Continue reading)

Tagged with:                             

Page Rank