What our government agencies looking for in a resume? They’re looking to hire minorities and people who will do as they are told an act like a little sheep while working. Government agencies are looking for people who respond to fear very well so they can control them in their daily jobs.

Government agencies are looking for highly stupid people with no one having an IQ of over 105 that way they can control the employee no matter what. Government agencies are looking for people who have a string of dead-end jobs and no initiative. Government agencies are not looking for self-employed people who take initiative, innovate and actually think.

I believe government agencies are looking for brain dead morons to move paper from desk to desk and put barriers to entry and stifle free enterprise and entrepreneurs who provide real jobs for the American people. Government agencies are working to grow their agencies and spend more tax dollars and they need people that will help them perpetuate the blob of bureaucracy and the BS that government is so good at.

Government agencies want to hire people who know how to waste money, waste time and will never get anything done, but rather are told what to do and never question authority. I believe government agencies are looking for idiots and that is exactly who they hire.

So, if you can demonstrate on your resume that your complete buffoon, then you have a good chance of securing the job you have always wanted in that government agency and get some good benefits too. Please consider this in 2006 and yes I am serious.

A lot of people want to buy a house but they cannot afford to have one. So, they usually borrow money to some government agency especially in government housing offices. It is because the amount they can borrow in the government agency is much higher and the interest rates are much lower than in banks.

Unfortunately, because of some bad luck in the business and some reasons, the borrower is unable to pay it back given the duration. And since the government wants to get the money back, the only choice for them is to confiscate it and foreclose the property.

These properties are commonly sold at a real estate auction and the foreclosure property goes to the bidder with the highest bid. And these properties can also be trade again by government agencies, or even by the homeowners.

Government foreclosure homes have been available for so many years, while its value and popularity as a property is now much higher. It has always been an excellent way to invest in property. Many properties in foreclosure are sold at lower market value. But the important thing is to find or get great deals without suffering the quality of the property.

Different Types of Government Foreclosure

The first type of government foreclosure is called judicial foreclosure and the other is non-judicial foreclosure.

Now what is the difference between this two?

Judicial foreclosure starts with a lawsuit and the appointed court officer is authorized to trade it off after a long process. There’s some sort of protection on the value if it’s much larger than the amount owned by the borrower.

While in non-judicial foreclosure no lawsuits will be filed. The borrower will just be informed of what will happen because of the failure to pay off for the loan.

There are lots of types of foreclosure goods and properties that you can purchase. These consist of foreclosure homes, repossessed homes, properties owned by banks, VA foreclosures and HUD homes.

Foreclosure listing includes different types of information in order to help individuals who need some information about the properties be sold off. Some of these are:

– The type of foreclosure property. This provides the buyer the important information to be able to obtain the type of property they need. There are also various types of properties such as real estate in relation to its location and usage.

– The government who holds the foreclosure. A good listing of foreclosure shows the government that handles of which foreclosure. With this, you’ll find out who you are going to deal with and be able to foresee what dilemma you may encounter.

Given the needed information, you can also get ready to make a deal with this government acquired property. You can obtain it through the property that is in pre-foreclosure. This would save you the hassle of bidding it in against some competitor.

– Ask advice from experts. It is still important to ask advice from brokers or some home agents especially if you’re new in this aspect. They can give you some tips and can help you find the perfect place and good houses to acquire in a reasonable price.

The good thing in this is you’ll have the knowledge of what you should do in obtaining government foreclosure homes.

The government foreclosure auction almost happens more than once in a year. You just need to check the schedule of auction so that you’ll be able to find your dream house.

Don’t let the bank take your home!

Don’t go into denial, hoping that everything will turn out all right; it won’t, unless you take action, quickly.

More government programs will be available to you the sooner you act.

You see, when a borrower stops making their mortgage payments and subsequently loses their home to foreclosure, the government loses too.

The Federal Government, both directly and indirectly, has a financial interest in virtually every residential mortgage issued nationwide.

The Federal Home Loan Bank Board (FHLBB), a Federal Agency, insurers the millions of VA and FHA home mortgages. These mortgages have the highest default rate of any type of mortgage.

When one of these mortgages goes bad, the servicing bank forecloses on the mortgage and sells the property at auction. If the property sells for less than the balance owed on the mortgage, the FHLBB has to make up the difference to the bank.

This situation will soon become commonplace as the real estate market sinks under the weight of its own excesses.

Fannie Mae and Freddie Mac, two Government Sponsored Enterprises (GSE) that supply money to the banks to make mortgage loans, guarantee or insure the bulk of the non-FHA mortgages.

These GSE’s are contractually obligated to step in and make up missed mortgage payments to the banks if the borrowers do not make the payments.

They must also cover 20% of any loss sustained by a bank that forecloses one of their mortgages when the sale of the property does not fully pay off the mortgage balance.

Since these agencies have so much to lose when a homeowner defaults, it is possible for the knowledgeable homeowner to get help from them to avoid foreclosure.

It is demonstrably cheaper for the agency to help the homeowner with a grant to cover mortgage arrears rather than having to reimburse the bank’s loss on a short sale. These grants do not have to be repaid in many cases.

Other agencies will make loans to the embattled homeowner which do not have to be repaid until the house is sold or refinanced.

At the very least, most agencies have workout programs that temporarily suspend or lower payments that allow the delinquent borrower to catch up. We have even heard of situations where the government agency will bully banks into accepting payments from borrowers after they told the borrower they would not accept them.

However, there are a few problems homeowners may face when seeking help from the Government with their foreclosure problems.

One problem is that each agency has its own rules for qualifying for each option. A major requirement is the amount of delinquency, but there are other guidelines as well. Among them are whether the borrower is employed, how much cash, if any he has and the nature and duration of whatever caused the problem in the first place.

Finally, the borrower has to be aware the programs exist, as you now are; then you have to be able to find the right person in the right department to help you.

After all, these are Government Agencies!

Although you can certainly contact the various agencies mentioned in this article directly, they are all on the web; you might want to seek out professional representation to make sure your situation is presented in the best light to the right person at the right agency.

In any event, act now. The longer you wait to seek help, the fewer chances you will have to save your home!

I always think it is funny when our politicians tell us that they are working to help small businesses. Whenever I hear a politician in one of the districts where I am tell me such things, I challenge them right away and ask; "exactly what have you done to help small businesses in this district." They talk about such things as putting together small business loans, about collaboration projects with businesses to create jobs. I just shake my head and laugh – it's as if they don't get it.

You see, funneling taxpayer money into special pet projects with small business owners who happen to be friends with politicians and also duly support their campaign war chest for reelection does not appear to me to be helping local entrepreneurs much, rather it is helping the politician himself or herself feed at the trough. Secondly, offering more business loans to little companies at the bottom or top of the business cycle only puts local business people in debt. All the while our politicians are giving out lucrative contracts to large companies and corporations; corporate welfare.

There was an interesting article in the Wall Street Journal on March 20, 2014 titled; Loans Are Flowing Again, But Not In All Sectors, "by Julie Bennett which was featured in the Focus on Franchising section. One franchisor was said to have stated;" You can't grow a franchise company without the SBA, "and whereas, this may be somewhat reality based it begs the question of why?

Now then, as a former franchisor or I'd like to say; "the hell you can't." You see, I have franchised my company and I can remember only a few SBA loans of all the franchises we ever sold. Those SBA loans were difficult to get, they were time consuming, they had too many stipulations, and the paperwork was a nightmare. When I went into new territory or region I wanted to sell the franchises quickly to dominate the area and increase our market share as rapidly as possible and get our brand name out there. I didn't have time to wait to do the paperwork or help a franchise buyer get SBA secured financing which might take 60 to 90 days.

I wanted those businesses up and running within 60 to 90 days, but we could not even sign the franchise agreement until they had the money in hand but the SBA made that process come to a complete halt. Worse, the small business administration wanted all sorts of paperwork, business plans, and other information which I was not willing to divulge to a new franchise buyer until I was sure he was qualified, but they aren't qualified until they have the money, but they can't get the money unless I divulge information to the SBA.

To add insult to injury, if I did divulge the information to the SBA, they wanted to put those business plans online, on their website for other future franchise buyers, unfortunately that information would also be available for my competition.

Therefore, I conclude that the SBA never helped me in my business, and yes, "I did build my business, and I didn't get much help from the government thank you very much." Please consider all this and think on it.

Not long ago I was at our local Starbucks discussing US Politics and the Democratic Party, specifically the word “Progressive” as a label for someone who was a Democrat Voter. I noted that this word was all wrong, merely because today the Democratic Party in the US is very pro-Socialism, and since Socialism doesn’t work, it would be ‘regressive’ and not ‘progressive’. My acquaintance said; “Yes, isn’t that some wonderful branding,” and added, “How can you fault someone’s political beliefs if you start with the premise that they are for progress?”

Somehow our conversation led to the challenges of the Venezuelan economic implosion and complete breakdown of society and how their once great civilization was under maximum stress and how it doesn’t look good, more like the final stages of a slow-motion train wreck.

There was an interesting article recently in the Wall Street Journal titled: “Venezuela Detains Citgo Executives for Alleged Corruption – Attorney general accuses company officials of trying to defraud country, but critics say arrests owe more to turf wars inside government,” published on November 21, 2017 and written by Anatoly Kurmanaev. The article stated:

“Venezuela’s intelligence agency arrested 6 top executives at the U.S. subsidiary of state-oil company Petroleos de Venezuela SA, as part of what authorities are calling an anticorruption ‘crusade’. Attorney General Tarek Saab said the acting president and 5 board members of the subsidiary, Houston-based Citgo Petroleum Corp, tried to defraud the nation through a planned $4 billion financing deal with 3 little-known foreign investment funds. ‘Organized crime has been taking root in the ranks of PdVSA,’ Mr. Saab told reporters.”

What the hell, I dare to ask? You see, it’s my view that Venezuela has just about defrauded everyone with their socialist spending, nationalizing of businesses, and failure to pay on its debt. These socialists knew they could never pay back that money, now they are claiming it is the Oil Companies’ fault? Hmm? The ghost of Hugo Chavez continues to play the anti-West, anti-US, anti-Capitalism, anti-Blue Eyed Devil card. Venezuela is totally out-of-control and a failed state, all this was predicted as soon as they launched down the path of socialism.

Venezuela turned their backs on the US Dollar, Global Economy, and Western Trading Partners. Hugo Chavez used his hatred based form of Nationalism to rally his cause, all the while hijacking the flow of capital, oil, labor, and power to his own end, and that’s literally what happened, isn’t it?

Car washing is a good business indeed, as there are more automobiles and vehicles than people in America. But it is also another industry, which is completely over regulated. This is why the industry has formed a very large association. The Car Wash Association is constantly planning lobbying efforts to reverse the recent legislation, which forces them to run their businesses in an inefficient manner.

For instance a year or so ago there was a rule that coin-op car washes in Atlanta Georgia would require that they do not leave their businesses unattended while in operation. Meaning they would have to employ security guards 24/7, can you imagine the costs of that? Now then the police had sufficient reasons for this as before the law was reversed due to a small minority trying to put political pressure on the city council. The ruling was reversed thankfully for the car wash owners. But indeed, there are some things about this issue, which may not have been in the news when the passed the law.

Reading on a bulletin board in the Industry of car washing you will see where one operator said he would not close because he did not believe that the city would enforce those laws. Another that said the best way to curb crime at his carwash was with a ruger. While it may be his right to carry his Smith and Wesson and the right to bare arms, I do not believe vigilantism is what you were looking for when you passed the law to curb crime.

But never the less these are the types of legislation which can hit a car wash owner out of the blue and cause tremendous unanticipated costs and destroy any chance of a reasonable return on a man’s investment and indeed, there needs to be a car wash lobby just to protect one’s investment. So if you are in the car wash business you need to stay heads up and join the association to protect yourself and you investment from governmental intervention, horrific legislation, anti-business local government and over regulation. Think on this.

Why doesn’t anyone ever check the news on non-political topics? It seems there has been a big smoke screen lately when it comes to Natural Disasters. We are constantly being told such events are the “Worst” ever in history. Just recently, we saw Hurricane Harvey flood out Houston TX area, they told us it was the worst Hurricane damage ever. Not true. They told us such a flood in that region was unprecedented, also not true, Houston has big flood events at least twice per decade, yes, this was the worst in years, but hardly the worst in history – just more people there now to be flooded out.

The very next week there was a big brush fire (dubbed: The La Tuna Fire) in Southern California, in LA County near Burbank and Glendale CA. It burned around 7,000 plus acres. He told us it was the biggest fire in LA County history – he looked straight into the TV cameras with a straight face and told a bold-face lie. It wasn’t anywhere near the worst wildfire, brush fire, or the most property damage or costly for that matter. Not even close.

For instance from September 28 to October 6, 2005 the Topanga Fire burned 24,175 acres; or the Station Fire from August 26 2009 to October 16 2009 which burned 160,577 acres and we lost 209 structures and there were 2 fatalities. The Springs Fire which started in Ventura County which stated on May 2, 2013 burned 24,000 acres of which about 8,000-plus acres were in LA County.

And, mind you these are fires aren’t that long ago, in fact, there are still brush burn scares on the trails – you can see when you go hiking, burned-out brush will still smear charcoal on your legs when you run against it, trust me, I am an avid trail runner and come back often with black stripes on my legs from fires nearly a decade ago. Indeed, in the La Tuna Fire, the Firefighters actually got a rain storm that significantly knocked the fire down and it was put out completely rather quickly in short order.

Why all the fake news? I believe it is so politicians can claim “devastation” to drive more Federal and State monies to the area from Emergency Disaster Relief Funds. So they can trigger more support from the Federal Government to pay for aerial fire tanker support, and to aggrandize themselves as they run for Governor, or attempt to be re-elected Mayor. Regardless of why, they know they aren’t telling the truth and think “we” the citizens are so stupid and have such short memories that we don’t know the difference or that we might be fooled because the media keeps repeating the lie.

“Where are the Fact Checkers?” I dare to ask? Why do Fire Chiefs, Police Chiefs, Public Work Administrators stand side-by-side with these politicians and stay silent, they know the truth, it’s taken decades for them to become department heads – could it be that they became department heads by going with the flow and living the lie in trade for high paid jobs, pensions, and benefits? Scary thought, especially considering this trend.

There are various government grants to meet a variety of needs and criteria and are structured in such a way that it can spread out to include the majority of the people who are in need of financial services. Evaluating the conditions of the different sections of the society, it was noted that the mothers do require lot of help and assistance to shine in their lives and hence, has been developed the government grants for mothers going to college to enhance their lives and to add a new meaning to their living.

It is the primary duty of any government to analyze the state of affairs of the nation and comprehend what is most needed by the people of the nation. The President has been doing very well in this regard and has launched and remodeled many government grants to suit the need of the mothers. The government has decided to provide $ 30 billion as federal grants and $ 40 billion as state grants for the academic year of 2010-2011. There are different kinds of federal grants available to the mothers. Out of which, the main one are the Pell grants. To apply for any of the federal grants, the application is free yet has to be done online through the FAFSA.

The Pell grants are given for the eligible applicants in their first-year undergraduate studies and can receive up to $ 5500 as financial aid once they qualify. Federal Supplemental Educational Opportunity Grant is for those undergraduate students who are in dire need of financial aid. The award amount will vary between $ 100 to $ 4000. The ACG award also known as the Academic Competitiveness Grant awards $ 750 for the first year undergraduates and $ 1300 to second-year undergraduate students. The National SMART grant are for American citizens who are studying for courses in mathematics, physical life, technology or engineering and the eligible students are granted up to $ 4000 towards their third and fourth years of undergraduate studies. An important point to be noted here is that to qualify for all the other federal grants, it is a must that the applicants also are Pell Grant eligible.

The American Opportunity Tax Credit program comes as a surprise to all the mothers which facilitates in considering the initial fees of $ 4000 of any higher education as free. This is a huge option for the mothers to exploit and to put to use. The grants and aids are mostly for the programs which can be studied online and hence saves a lot of time and proves extremely convenient to the mothers.

Government grants for mothers going to college is an extremely positive step put forward to create awareness amongst the mothers and to give them that extra push to start their educational life again.

Government boat auctions are big business and include police and coastguard seizures. These arrests may often be linked to drug running (one of my own boats was arrested by customs with drugs aboard – before I acquired her, I hasten to add, and then disposed of through a government boats auction). Boats at auction may also come from the military – for example the Navy has fleets of sail and power craft which they use for training ratings and officers. These vessels may be worked hard but are usually well maintained, up to a point. When they are replaced they come up for sale at government surplus auctions. You will usually be buying ‘sold as seen’ and that is a risk unless you really take some care and advice.

Government auctions boats – not a headline you see in the press, as there is an auction somewhere most days, but what are the real risks of finding your dream boat at auction?

‘Sold as Seen’ can be pretty scary. It is not easy to fully check a boat and sue the government after the event. With an auto auction you might get a few hours after buying to return the car – with a yacht you may have a few days, you may not – it all depends on the auctioneer’s terms and conditions, so study the auction terms beforehand. The main chance you take is that you may have no time to get the boat properly checked out beforehand – she may be afloat; in that case though, you can easily tell if she is leaking. If she’s ashore then it’s easier, though you obviously can’t easily tell if she’s watertight. Either way, you will certainly be able to check her out pre-auction. It may be worth hiring a yacht surveyor if you are not an expert yourself or don’t have a knowledgeable friend to go with you. Good auction companies will declare known faults in the auction catalogue.

If the boat been used by the government itself (or an agency), then the vessel will have had a lot of use – on a yacht, rigging and sails may need replacement (not easy to judge rigging without specialist equipment) and / or the engines might have a lot of hours on them – which is not necessarily a bad thing. Probably, she will have missed her last service and not all equipment will be working (especially electronics). The auction company may offer a simple condition report and specification.

If the vessel was confiscated, then it can be even harder to judge. Where did she come from? Where was she seized? If a vessel has been used for smuggling drugs, then it is likely that it will be sound. People don’t put a load of drugs in a vessel that’s either likely to sink or have a failure and need rescuing. Not good business.

If you have picked out the boat you fancy, and she is a well known brand/model (maybe say, a Chris Craft), then search the web to find out if there is an owners association. There may be forum discussions too, maybe on a boating magazine website. These enquiries may give you clues as to the faults that you should watch out for with that particular brand or model.

So, why on earth (or on the sea!) would you bid on a power boat or yacht at a yacht auction? Simple – price. You can get the best bargains that way.