www.TheContrarianTrader.com We focus this week on the continued light volume manipulation of the markets as we head into the New Year. The Retail Sector in particular is in the spot light as well as the divergence between the extremely overbought US Steel and the Baltic Dry Sea Index. Adding to the continued pressure on consumers is the lack of home equity line of credit lending that has buoyed the economy in years past. The cutting of home equity lines of credit along with cut credit card lines and forthcoming tax hikes on consumers will continue keep the cash strapped consumer on the side lines and force the federal government to continue it's misguided policy of focusing on government spending to spur growth rather then tax cuts which empower the consumer.

"Beauties of Islam" with Sheikh Yusuf Estes on HudaTV. Sixth episode: Equaty vs Equality. Date of episode: 13-November-08

theinternetbiz.com For years banks have sold us the traditional mortgage loan. You borrow the money, make monthly payments, and 30 years later, you might own your home. "Equity" or "mortgage offset loans" allow your income to be paid directly into your mortgage, interest is calculated daily which means your beating your mortgage down MUCH FASTER. All banks know about them, but don't offer them freely, you have to ask for them. The banks say you may not be able to manage this which is patronizing and people are paying hundreds of thousands just to have the banks manage it FOR THEM! Accelerated Mortgage Pay off mortgage faster rapid payoff weekly heloc home equity pay,off,payoff,home,equity,heloc,30,year,mortgage,loan,calculator,faster,rapid,weekly,line of credit

Speakers: Rich Brenner, President & CEO, The Brenner Group, Inc. Rajeev Batra, Director, Mayfield Fund Rich Garnick, Founder & CEO, The ConJoin Group Rich Lawson, Co-founder & Managing Director, Huntsman Gay Global Capital Moderator: Steve Bengston, Dir. Emerging Company Services, PricewaterhouseCoopers LLP As we approach 2010, private equity and venture capital will play a key role in getting the economy back on trackand the Valley will lead the way. There are more than 2000 private equity firms in the US, and nearly 0 billion in assets to invest, most of which originate in Silicon Valley. Despite the eye of the storm passing, the days of easy exits and eye popping returns from average companies are over. The past two years of economic turbulence have forever changed the industry, imposing new standards for investing, capital raising and exiting. Even as the financial picture looks to be improving, given the new order, what will it take for private equity investors and venture capitalists to help their portfolio companies improve valuation and help entrepreneurs to maintain healthy operations? What investing sectors will get the most attention? This diverse panel of experts will offer insights into challenges and opportunities for the year ahead. Sponsors: Gutenberg Communcations, The ConJoin Group

(Click "More Info" to see full video script!) www.60MinuteLoanModification visit for a free CD on Mike Rockwood's experience modifying 5 of his own home loans - and how you can too. Ask Mortgage Modification questions on our forums at http Initially, lenders strictly adhered to the seven guidelines explained below when awarding mortgage modifications. Today thats no longer true. Theyre now limiting their analysis to fewer of the original criteria as the crisis deepens and the workload increases. In fact, the range is surprising and somewhat inconsistent. This indicates to me that the rules are being written on the fly. Virtually all lenders are using cascading calculations, whereby one set of calculation results are used in the subsequent calculation. Therefore, no one criterion is final; rather, qualification depends on a combination of factors. Ability to pay: This is your ability to meet the obligations of the modified loan. Customary underwriting criteria are used, so take 55% of your gross monthly household income. That is a rough estimate of how much monthly debt payment the lender will allow. This is your target amount after modification. Debt to Income Ratio is the term that lenders use to describe this underwriting guideline. Its simply your total monthly debt payments, including cars, credit cards, student loans, and others, divided by your Gross Monthly Household Income. Type of Loan: 100% of Negative Amortizing Adjustable-Rate Mortgages (NegAM) loans will be ...

George Soros, Chairman, Soros Fund Management LLC; Author, The New Paradigm for Financial Markets: The Credit Crash of 2008 and What It Means Presider: Sebastian Mallaby, Deputy Director of Studies, Director of the Maurice R. Greenberg Center for Geoeconomic Studies, and Paul A. Volcker Senior Fellow for International Economics, Council on Foreign Relations (May 7, 2008 at the Council on Foreign Relations)

www.indigofg.com - Top 5 Refinance Mistakes! If you are seeking an Indiana Refinance Mortgage Loan stop shopping until you watch this video by mortgage expert Dave Woodson of Indigo Financial.

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Mark Bouris of Wizard Home Loans talks about the impact of interest rates rises on home owners and asks for feedback from Australians. Email responses to feedback@wizard.com.au or blog below.