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RADHA Loan
RADHA’s Fast Equity Builder Mortgage:
Executive Summary: Solving Real Estate & Banking Crisis
Benefits
RADHA Mortgage provides banks the 5things they need most:
1. Time,
2. Capital,
3. Transforming real estate liabilities into performing assets,
4. Accurate pricing (above market price)
And most of all =
5. Reducing cost of (Real Estate) Write Downs by 50% to 100%
Problem
Banks estimate that real estate values are somewhat artificially low and ...
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There is no Banking (or Real Estate) Crisis. It’s an Accounting Mistake (Part I)
Bank & Insurance Paying-off Same Mortgage
How many names can you think of for ‘home loan?’
Mortgage. Securities. Credit-default-swaps?
Different names, same loan. The titles may have confused the accounting as we explain.
The lender asked the homeowner if they would like a loan. Let’s say it’s for $100,000.
The homeowner said yes.
Lender loaned this loan and now called it a MORTGAGE.
The lender took this $100,000 mortgage and sold ...
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The ‘Other Way’ To Rid All ‘Toxic Loans’ (Part II)
Pay Down Home Owner with 40% rather than Bank with 80%
The ‘OTHER WAY’ to get rid of all ‘toxic loans’ (besides bank bailouts) would be to refinance all ‘underwater’ homes (that owe more than they are worth). No More ‘Underwater Homes.’ No More ‘Toxic Loans.’
(Refinancing homeowners is described in Part I: Banks & Insurance Paying off Same Loan.’
The benefits of refinancing homeowners (in place of banks):
• It cost about 5% to 10% the price (of ...
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Finance Bail-Out with Banks Write-down (Part III)
(Bank Bailout Cost 3x More)
In Part I, we demonstrated how the bank and insurance company have been writing off the same mortgage when writing down their own set of securities. (Each has a duplicate of the same mortgage security so the write down by the bank is also writing down the same mortgage for the insurance company too, and visa verse. A 35% write down by each is a combined write down of 70%.)
In Part II, we summarize ...
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Trillion Dollar Discovery:
Banks & Insurance Paying Off Same Loan
Here's the latest. Everything is summarized in my letter to Carlos.
Hi Carlos,
Thank you for this ACRON report. It offers some very exciting prospects for our RADHA mortgage program.
I’ve just finished the re-write of the RADHA Manual. It took a month. (I’ve been off line during this time.) Writing about the RADHA Loan uncovered some extraordinary new insights to this housing crisis ...
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RADHA LOANS: An Effective Solution to the Real Estate Crisis that is Simple, Affordable & Fast
SYNOPSIS
Name: The RADHA Group
RADHA:
R = Real Estate
A = Association for
D = Depreciating
H = Housing
A = Assets
Named after the Goddess of Devotion. This mortgage program has had a series of names as the program evolved from Compound Mortgage, to Duel Mortgage, to Depreciating Mortgage and DepriMortgage, to De-LETO: Depreciating Lease To Own, to FEB: Fast Equity Builder and FAB. We are going ...
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Letters
Need Company Endorsements
Need Statements of Intent
From: Raghu John <****u@yahoo.com>
To: Naveen Khurana <****7@windstream.net>
Sent: Fri, August 6, 2010 2:39:16 AM
Subject: Re: awesome
Jai Prabhu,
Well, you are lucky you can take your magic potions. I need some. lol. Bravo on the energy project. I can see Krsna is in your corner through this whole thing.
As for who or what kind of company and headlines, well there are several products ...
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RADHA's Simple Solution to Real Estate Crisis
Outline for Banking Attorey
From: Raghu John <****@yahoo.com>
To: Ron Heller <*****@hawaii.rr.com>
Sent: Fri, June 4, 2010 1:30:55 PM
Subject: Summary of RADHA Advantages
HI Ron,
Thank you for your prompt response. Mind my own delay. It took me a few days to put on my thinking cap and get to the computer in the midst of this restaurant deal. I may have myself a restaurant by next week.
And yes, you are right. ...
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6 Areas of Double Write-Downs on Securities
Real Estate Securities are unervalued.
Hi R****,
It’s a pleasure to make your acquaintance and appreciate you taking the time to take a look at our humble efforts here.
As you probably know, the Democrats have tried time and again over the last couple years to institute real loan modifications that would reduce the actual principal of distressed homeowners rather than just the interest. These interest adjustments are not enough to ...
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Letter to Associated Press
Answer to Real estate Crisis
From: Raghu John <***raghu@yahoo.com>
To: "Sample, Herbert" <***ample@ap.org>
Sent: Thu, April 8, 2010 7:07:45 PM
Subject: For you & Mark; Re: Pictures
Hi Mr. Sample,
I was watching some vids & heard your question to Djou's at his press conference at his filing for his candidacy. You are funny. You showed all the awe of an old time journalist. You sounded so unimpressed. lol. I don't ...
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Latest Correspondence w/ Credit Union
Looks like CUMA may finally roll out the RADHA Mortgage program
Hi Scott,
Thank you for your full and prompt response. You may find this letter offering the outline of the entire program for you to utilize.
As for selling the 1st Trust on the ‘Secondary Market,’ there are several significant advantages that need be highlighted in marketing it.
1) The first is the point you bring up about the rate of re-defaults of other loan modifications. RADHA’s ...
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Investors should get a 100%
To: "Dhanesvara (das) (ACBSP) (Kiev - UA)"
Date: Tuesday, May 12, 2009, 5:01 PM
Here's a letter from Dhanesvara
Thank you for this.
The point we make is that banks have already written down 80% of their securities while the actual real estate value and what homeonwers can afford to pay is closer to 40%. If the bank themselves simply transfers these writedowns to the ...
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News
Face Book Page: Raghu for Congress
We are formally on Face Book as a Congressional Candidate
Well, it's taken a few days, but starting our campaign for Congress w/ our Face Book page: Raghu for Congress. We will post our positions, budget, events & progress reports there until we get a more formal website.
here's the link:
read this article
Raghu for Congress: Political Platform
ROOPA Summary
Facebook: Raghu 4 Congress
50% of Taxes & Insurance Spent on Life Style
Up to 50% of our taxes & insurance premiums go to cover ‘lifestyle’ activities. Lifestyle is therefore the largest category of discretionary spending with the potential of reducing our costs by up to this same 50%. Lifestyle is also a far more accurate predicator of our future health care needs and social service requirements. ...
read this article
New ROOPA Edition @ Lulu.com
@ lulu.com; search under raghu roopa
1 Year and 3 Re-writes, ready to go - almost.
Available at lulu.com.
Search under raghu roopa.
3 Options:
Complete Edition with all chapters available in hard copy.
Abridged Edition with just 8 chapters, also hard copy or
Free down load with just the Summary Chapter.
The re-writes on ROOPA have consumed the bulk of my writing time - which comes to just a couple hours a day. This has ...
read this article
Chapters
50% of Taxes & Insurance Spent on Life Style
ROOPA: Magic bullet to Health Care Reform
ROOPA: Responsibility of One’s Own Products & Actions
50% of Taxes & Insurance Spent on Life Style
Up to 50% of our taxes and insurance premiums already go to cover ‘lifestyle’ activities. Lifestyle also offers a far more accurate predictor of our future health care needs and social service requirements.
Lifestyle Based Health Care Plans
Our Proposal:
Designate up to 50% of our taxes ...
read this article
ROOPA Summary Part A:
Social Cost: The Magic Bullet of Social Policy & Tax Reform
The Savings, Efficiencies & Fairness of a Social Cost Based Tax System Called ROOPA:
Responsibility for One’s Own Products & Actions
ROOPA is the tax program you’ve been waiting for. ROOPA can cut taxes by half while still doubling benefits and programs.
ROOPA’s secret is simple. ROOPA works from a social cost based approach to develop new found economic policy platforms. “Social costs” are ...
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ROOPA Summary Part B
Science Based Policy versus Ideology: The Mechanics of
Alcohol demonstrates how its social costs effectively high light ALL the points of greatest economic liability thereby underscoring where intervention will be most effective. This example of Alcohol shows we have 3 prime areas of cost:
45% = alcoholics;
40% = dunk drivers and
15% = all other drinkers combined.
Knowing this ‘break down’ allows us to separate out 85% of the social cost by ...
read this article
Summary Part C
Duel Tax System: Flat Tax meets Vice Tax = Barata + DOTS
This brings us to one of ROOPA’s greatest political advantages. ROOPA blends the best initiatives of both political parties. Doing this allows ROOPA to lay the broadest common ground for real bipartisanship.
Republicans have been pushing the Flat Tax for decades. Meanwhile, Democrats never get enough of their Vice Tax. Democrats are always levying a growing number of taxes on to cigarettes, liquor, ...
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Summary Part D
How Barata & DOTS Work with a DUI
The last chapter section introduced DOTS: Defined Optional Spending. Now we will show you how it all comes together into a working policy program.
This DOTS system by ROOPA is a unique feature unmatched by the cookie cutter tax policies of the day. DOTS gives us a mechanism that is interactive to our own life style. The young, gay man can designate his ‘extra taxes/cash’ towards AIDS funding. ...
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Summary Part E
COTAS: Consolidated Tax Spending
We still have one last bonus: Cotas = Consolidated Tax Spending. This feature will stand as a ROOPA trade mark. Cotas will be applied to every possible industry. ROOPA will consolidate 85% of all tax revenues of each industry and place it into a single program. This program will be dedicated to reducing the social cost of that industry. Washington can no longer touch these tax revenues for any other ...
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Blog
Seniors Are Scapegoats for Gov't Embezzelment of Social Security Funds
(& Solution to SS)
HiRaleigh,
Thankyou for this run of the mill, white wash of the Gov't's fraud and pillaging ofthe Social Security Trust funds over the last half Century. The $4 to $20trillion raided from the SS trust fund is now coming due and so the political machinery is once again broadcasting this media blitz of condemnation of ourseniors to scare our coming generations to scorn grandma rather than the gov'ts ...
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Honolulu Star Bulletin Newspaper Questionaire for Candidates
Only candidate offering specific plans to 1) repay $5 trillion of Federal Deficit w/out service cuts
Office sought: U.S. House — 1st District (Urban Honolulu)
Party: Republican
Campaign E-mail: buyraghu@yahoo.com
Web site: roopa.org
Occupation and employer: Self Employed
Job history past 10 years: Mark David Realty, NY 03-09; $20 million in real estate transactions/sales
(Dates, employer, position)
Ever run for public office? No.
Other civic experience or community service:
Missionary ...
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Commercial Prospects of Campaign.
Letter to Businesses
Here's a couple letters to a couple leads.
Jai Rama Das & KD.
I'm forwarding you a letter I've been sending off to different companies starting this week to see if we can raise some sponsor interest. We have some great opportunities here for a number of different companies and so thought you may find these of interest or have some ideas of where I could take these. Let me know.
This campaign ...
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4 TV Shows,
12 Broadcaste this month of our campaign
4 TV Shows, 12 Broadcast this month of our campaign.
Today at 11:25pm | Edit Note | Delete
We did 4 Cable Broadcasting Shows with Olelo Cable TV before I left Honolulu. They are now being aired on both Channels 54 & 49. Here's the schedule below. The first airing was today.
Fresh Look New Possibilities: Simple Solution Health Care & Real Estate All on VIEWS 54
8/22/10 Sun 8:00 pm
8/23/10 ...
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Raghu Bio
He guarantees changing the scope & tone of dialogue.
www.civilbeat.com
Hi Lena, I hope this suites your requirements. Raghu
Bio
John 'Raghu' Giuffre was born in LA to spiritual seeking parents culminating with his mother sending to him India at age 11 to study the Veda's before beginning a life as a missionary man traveling around the world a dozen times before age 20. The cultural exposure provided him a new set of perspectives that allow him ...
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Liberty Central: Answers to their Questionaire
Simple Solution to Health care & Real Estate Crisis
From: Sarah Field
To: Raghu John <***raghu@yahoo.com>
Sent: Fri, July 9, 2010 9:15:53 AM
Subject: Re: RADHA & ROOPA, Simple solutions to real estate & health care crisis.
It was a pleasure to speak with you as well!
Thank you for sending the survey.
Best,
Sarah Field
On Fri, Jul 9, 2010 at 3:12 PM, Raghu John <****aghu@yahoo.com> wrote:
Hi Sara,
...
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Freedom: America’s National Religion
Your Freedom is taken directly from the Divine and handed over as your birthright
Our Founding Fathers took millennia of civilizations and condensed it into this simplest of Divine tenets: ‘All men are created equal.’ From this simple truth, we beget our Freedom in all its glory... (Caption)
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Freedom is America’s national religion. Like all religions, the principals of freedom are founded in Divinity. A mandate secures its legitimacy with a validation from an ...
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The vote For or Against abortion hides the crime of ‘Inequity of Motherhood.’
Here's the campaigns response to the issue of Abortion:
‘Abortion has become the default option to all the cultural dysfunction of American family policies and conveniently leaves it to be paid by ‘a women’s choice’ at the juncture of motherhood.’
• * * *
Abortion remains one of the most underdeveloped issues of all American politics. Supporters define the issue by taking all the emergency, life threatening scenarios and putting them along side all ...
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Part 2 Abortion: The Bridge to Financial Independence for the Modern Women
Abortion sprinkles the fairy dust of freedom over the worse of poverty, hardship and poor judgment...and so..has become the ‘Goddess of Prosperity’ for those who can call upon its favor in times of need.
• * * *
…The backwardness of our socioeconomic model can now be measured by the number of abortions performed for the reason that abortion is the official reset button to our social failing ...
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Abortion Part 3
Abortion: The 13 Issues
See if we can identify each issue of the abortion debate separately and find the broader context and greater possibilities to be tapped.
Politics has taken a bunch of issues and thrown them under the heading of ‘For’ or ‘Against’ abortion. The mix of so many issues into one political posture makes the debate such a conflicted choice. It’s often not the simple moral ‘choice’ as advertised but a ...
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Prospecting the American Shopping Party: Biz Plan
Island Shopper Maybe Interested
Here's how I spent part of Fri. & most of Saturday: Writing out this Biz Plan for the ASP for the Island Shopper publisher. We will see if they are interested.
________________________________________
From: Raghu John <*****@yahoo.com>
To: Brian Lewis ; Ankur Sethi ; Mata
Sent: Mon, June 14, 2010 4:56:00 AM
Subject: American Shopping ...
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Campaing Answers to the Lesbian Gay Bisexual & Trangender Questionnaire.
New Considerations for old Issues
Wew, it took 3 days to finish this questionnaire. They asked about everything from abortion to gay rights in the military. You should find the answers dramatically different then anything else you've heard before. Hope you like them.
Raghu
http://www.prideatwork.org/
1) Do you support Allowing Lesbian Gay Bisexual & Transsexual people to serve openly in the US military.
Yes:
However, ...
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