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Archive for the ‘homelessness’ Category

Well, I am about to break the one steadfast rule I’ve had on this blog since the beginning.  I don’t ask for money.  I fund this ministry/website out of my own pocket and try to avoid arguments that I am selling out or support tithing because tithes support me.  But I am in a quandary.  Not one that affects the site – yet – but one that affects me personally.

As my loyal readers know, I was in the middle of a messy divorce a little while back that cost me the rental property my ex and I operated because she refused to pay the mortgage or give me the rental income to do so.  Now the  final property-related nail is coming as a result of her bankruptcy and foolishness.  I am about to be foreclosed on by my bank for the house that I am currently living in.  Now, I did my best to pay the mortgage, but unfortunately, circumstances got the better of me.  Over the last 2 years, I’ve lost a number of my sources of income as the economy kept sliding and government and tourism-related industries kept cutting back.

Despite being willing to do just about anything and humbling myself, applying for literally hundreds of jobs, I am still jobless, my income is steadily decreasing and I am barely making ends meet.  Unfortunately, the mortgage was one of those things that just didn’t get taken care of in a timely basis and now the bank has called their note due.

When I was first served, I went through my affirmative defenses – one of which being that my ex-wife signed a quit claim deed, divesting herself of this house.  To date, the bank has still not recognized it and her name appears prominently on the foreclosure papers, myself, who continued to pay the mortgage long after she stopped, is relegated to a secondary defendant.  My biggest defense was that the bank had refused to accept and properly credit some of my payments, holding the money, as a bank employee explained to me, “in limbo.”  The banks lawyers have responded to that claim and offered me two options, after adjusting for the money that was never credited ($500+, not counting the interest and fees that they didn’t credit me for).

My two options are this: pay approx. $212,000 to pay off the loan, or approx. $40,000 to cover the missed payments, interest, lawyer’s fees, etc. etc.)  And I have until 5pm on April 1st to deliver that payment to their offices in Fort Lauderdale.  Considering that I have just enough to cover my electric bill this month and am eating courtesy of Food Stamps, that is far outside my reach.

Praying for a miracle, it came to me that I might ask if people would be willing to help me out.  $40K is not really that much, in the big picture and even small donations would help whittle this down.  I am not sure if this insight came from the Lord or not.  I was praying when it occurred to me, but my only experiences with hearing God were both forgiveness-oriented, so I can’t really tell.  Usually, I get insights from the Holy Spirit where I suddenly understand or realize some deeper truth or concept and I don’t want to misrepresent my Lord.

I have committed that any money I receive from this will be paid back to the donor/patron, unless they specifically state for me not to, in which case, I will pay to help out others needs on their behalf.

Also, I would prefer to do something rather than just take donations.  As I said, every little bit helps and I do have some skills that I can apply that are of value.

I sell books, CD’s, DVD’s and toys on Amazon – my site is Books From A Rose and I have between 2400 and 2500 items currently up for sale.  If you’re looking for something, please take a moment and see if I have it.  If I don’t, I would also recommend some friends of mine that helped me get started in this enterprise, Pursel Books.  They sell a quite a number of items on Amazon and eBay and may very well have what you need.

I am a writer.  I spent almost 20 years in the local TV business, writing news, commercials and promotional spots.  You can see some of my TV work at www.YouTube.com/user/lonerangerone. I also have written some plays over the years and am currently working on a couple of screenplays.  I have done reviews for Title Trakk, and I was the Senior Editor for Television for Infuze Magazine, before we were closed down, working with novelist Robin Parrish and music producer & novelist Matt Bronlewee.  I used to write songs back in the day – one was even performed as part of my church’s worship service.

I shoot, produce and edit video.  Okay, I am an okay video shooter… Great if I have a tripod.  I am a great editor, though.  Having learned from some of the best and learned how things were done, “back in the day…” I can find a way to make just about any video look the way you envision.  I have shot VHS and BETA, DV, HD-DV, and 8mm.  I have edited on everything from AVID Media Composer (my favorite) to Media 100, Pinnacle VideoCube, Apple Final Cut, Speed Razor, Boris FX, New Tek Video Toaster, Adobe After Effects and Adobe Premiere.  When I worked for the Lee County Sheriff’s Office, I also did Forensic Video Processing and was a member of Law Enforcement Video Association (LEVA).

I design, build and maintain websites.  While I am still exploring much of this field and I cannot do killer Flash opens and whatnot, I am pretty decent and very affordable.  I use Adobe Photoshop, Dreamweaver and Fireworks.  My work is available at www.StarlightstudioProductions.com, www.FASN.net, www.MartyWisher.com, www.UFTAFlorida.com, www.FamilyofGod.us, and this site, www.FinancialFreedomThroughFaith.org.  I am familiar with WordPress themes, editing them and promoting them.

I am a pretty good actor and I am a partner with the production company Starlight Productions, we do celebrity impersonations, character work and Murder Mysteries.  We just finished our first feature length film, “Light.”  I am also the sitting President of United Film & Television Artists (UFTA) a non-profit that helps filmmakers and actors with support and promoting our area as a film location.

My other company, 13/30 Productions, does media and business promotion.  We provide newsletters, websites, press releases, social media marketing, etc., all to help small businesses get the word out about their product or service to their potential customers.  I try to apply all of my skills as a designer, writer, promoter and video producer to help my clients get their message out at an affordable price.  If you need a little more Internet-based solution, my girlfriend runs Small Business Development Group, specializing in Affordable Internet Marketing Solutions and Search Engine Optimization.

I am a pretty good speaker.  I used to teach when I worked in Financial Services and I gave a few lectures/presentations on Financial Freedom for Christians.  I have written and given a few sermons that I thought were pretty good.  They are posted on this site: What Would Luther Say?, The Waiting is the Easy Part, and eternal sunshine for the Transformed mind.

I have not given up on my vision for a financial non-profit company that would help people in the same need I am in.  That will come to pass one day.  That was from God and it is often those he humbles that have the strongest commitments.

If there’s any way I can help you or work I can do for you, please let me know.  I am a hard worker and willing to do what it takes.  I serve God and when I can man, and I do my very best.

I will update everyone when I return from Fort Lauderdale on April 1st.

If you feel led to make me an interest free loan or invest in one of my talents, you can contact me at lonerangerone@gmail.com.  If you feel like helping out the old fashioned way, my mailing address appears below also.  If you do not feel led, that’s really okay, I just ask that you pray for me, regardless.    Thank you in advance, and may God bless you richly.

Paul A. Rose, Jr.


Mailing Address:

Paul A. Rose, Jr.

PO Box 151443

Cape Coral, FL 33915

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Yep, it’s a buyer’s market right now, and, thanks to my ex‘s failure to pay the mortgage, despite collecting the rent every month (from the Fort Myers Housing Authority – a HUD, section 8, Housing Choice Voucher Program, no less), the duplex is scheduled to be sold at the Lee County Justice Center, 1700 Monroe Street, Second Floor, Fort Myers, FL 33902, Monday, October 20, 2008, at 11:00am.  Of course, if I had the $17,000 we currently owe on the mortgage, I’d be fine.  But I don’t.  I barely have the $408 for filing the divorce papers she insisted in.

527 SE 6th Ave

527 SE 6th Ave

If you’re looking for a nice rental property at a cheap price, I would recommend making plans to be there.  We owe $208,000, plus or minus, and the current property appraiser‘s value is just under $140,000. When the market recovers, it’ll quickly climb back to the $215,000 or better.

It’s a nice little place, with, at the moment, still one renter.  It’s located at 527 SE 6th Ave, Cape Coral, FL 33990, close to schools, the Cape Coral Hospital, Police Headquarters, Fire Station 2, City Hall, Cape Coral’s Historical Museum and Cultural Park Theatre, and minutes away from Del Prado and Wal-Mart or Pine Island Road and Target.  Take a drive by, check it out and stop by the courthouse this Monday, around 11am.  Thanks!

Update: The duplex sold for a mere $35,000, to CitiMortgage, their only bidder.

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On September 29, 2008, I had one of my best days ever on this website.  In fact, I had the second highest hit count ever.  The next two days following also had similarly high hit counts.  Why?  Because of an article I wrote back in April of 2007, titled, “Wachovia Looking Forward to Screwing Customers, Shareholders.”  You can utilize the link to read the whole article, but the gist is this, Wachovia purchased a company known as Golden West Financial Corp, which specialized in “creative financing,” vaulting Wachovia to the #2 slot as an owner/servicer of such wonderful mortgages as Option ARMs and Income-Stated loans.  I went on to predict that 2-4 years from then, that Wachovia shareholders and customers would feel a serious pinch.  Well, depending on who you talk to, whether it was inevitable or was accelerated by the media’s need for ‘forced panic,’ my prediction was about 6 to 24 months off.

Let me be the first to say this, cause I haven’t noticed anyone else pointing it out yet.  The terrorists won.  Go figure.  Let’s step back a few years to September 11, 2001.  If you’ll recall, almost everyone who predicts such things was claiming that the terrorists who flew the planes into the World Trade Center towers and the Pentagon were doing it, for a large part, in an attempt to destabilize the United States economy.  What they did instead was rally Americans to stand beside each other and re-created the sense of community that many citizens had lost.  In fact, due to Americans coming together, the economy actually rose significantly.  Yes, the stock market fell, predictably, but it recovered a lot faster than such events in the past and things seemed very rosy for the American public and the American dream.

Flash-forward seven years and the economy is doing just what the terrorists hoped it would, crumbling under the weight of Capitalist greed.  You see, regardless of which political side you stand on, it’s hard to deny that there is one thing that got us into this mess – greed.  From the family who wants to buy a home larger than they can afford, to the mortgage broker who gets them that mortgage, knowing they’ll probably end up in the hole, but happy with his commission check, to the banks who approved such loans, looking for larger paydays, to government regulators and so-called watchdogs who turned a blind eye to such practices, to Fannie Mae and Freddie Mac who bought the mortgages, knowing that they probably weren’t good investments, but assuring the investing public, that mortgage-based securities were the safest non-insured investments.

And now, we have an $811-Billion bailout package, approved by Congress and the President.  And no, I didn’t misquote that – pull out your calculator and do the math.  For that matter, who needs the bailout?  JP Morgan Chase had the wherewithal to purchase Washington Mutual, Citi grabbed Wachovia (or did they?) and Bank of America picked up Merrill Lynch and Countrywide.

Personally, I am of the opinion that this nation could use a revisit to the Great Depression reality check.  This bailout is not going to help in the long run, just delay things again a little more.  And if our legislators and Chief of State want to really help, they’d send the American public the money, in the form of individually-coded vouchers that they could only utilize to pay their mortgage or rent.  That way, the banks get bailed out, people get to keep their homes, and the economy has a chance of gently recovering.  Trust me, in the long run, the 11% interest they’ll charge the banks for the bailout cash won’t scratch the surface of the long-term effects of this action.

You may be wondering how even the Republicans can support this bailout.  The answer is easy.  You see, we don’t have a true Capitalist society here in the United States anymore.  We haven’t since – guess when – that’s right, the 1930’s, when our esteemed government tried to fix the last Great Depression.

You remember, when Congress and FDR passed “The New Deal” – various legislations creating Welfare, Medicare, Medicaid, Social Security, the FDIC, extending mortgages past seven year terms, the Agricultural Adjustment Act (which pays farmers NOT to grow crops), and most importantly, the Banking Act of 1933 (the second Glass-Steagall Act), which paved the way for the elimination of the Gold Standard.

For the uninitiated, the Gold Standard states that gold is the standard of value for a country’s currency.  In other words, a hundred dollar bill could be redeemed for $100 worth of gold.  You may recall your grandparents talking about gold certificates or silver certificates – those are currency, which, by definition, still fall under the gold standard.  What is most important about the Gold Standard is that it defined the value of our money by “hard currency.”  Without that definition, our money is barely worth the paper it is printed on – as many folks are now learning.  Nixon sealed the deal back in August of 1971, completely eliminating the gold standard, which has not been used by any country since then.  Instead, we use a Fiat money system, which means that our money is intrinsically useless; it is merely a medium of exchange.

From FDR’s own inaugural speech,

Practices of the unscrupulous money changers stand indicted in the court of public opinion, rejected by the hearts and minds of men.

True they have tried, but their efforts have been cast in the pattern of an outworn tradition. Faced by failure of credit they have proposed only the lending of more money. Stripped of the lure of profit by which to induce our people to follow their false leadership, they have resorted to exhortations, pleading tearfully for restored confidence. They know only the rules of a generation of self-seekers. They have no vision, and when there is no vision the people perish.

…there must be an end to a conduct in banking and in business which too often has given to a sacred trust the likeness of callous and selfish wrongdoing. Small wonder that confidence languishes, for it thrives only on honesty, on honor, on the sacredness of obligations, on faithful protection, on unselfish performance; without them it cannot live.

There must be a strict supervision of all banking and credits and investments. There must be an end to speculation with other people’s money. And there must be provision for an adequate but sound currency…”

So all we have to fear is fear itself?  Did I mention how much it cost the US government to finance the various aspects of Roosevelt’s New Deal?  Somewhere between $10 and $20-Billion, over a nine year period, ending with World War II.  Yes, that’s right, just in 1936 alone, the cost was $9-BILLION!  $9-Billion, in 1936! Taxes went up, up, up, needless to say.  Do I need mention that almost all of the programs FDR initiated that still exist today are already Billions of dollars in arrears?  Now we’ve initiated a single bank bailout program that will INITIALLY cost nearly 80-times the total payout for FDR’s programs over a 10-year period.  Hey, maybe we can get Germany to try and take over the world again.

In all seriousness, have we learned nothing from our grandparent’s generation who lived through this mess back in the 30’s?  Apparently not, since we’re on track to fall once more into the well.  Now, there were some really great things that came out of FDR’s reign in the White House.  For one, labor unions and other workforce reforms were put into place that are still in effect which have had a positive effect on our economy – although I would suggest that many of the labor unions have run their course at this point.

But back to the United States economic policies – since FDR’s New Deal, American capitalism has actually been a form of Socialized Capitalism.  Adam Smith would be rolling in his grave.  Again, this was not necessarily a bad thing, as it did help American workers get back on their feet and curtailed industrialist greed, at least temporarily.  In fact, John Maynard Keynes predicted that if the reforms were carried on to their logical conclusion, that we would be working shorter hours and earning more money in just a few decades.

Unfortunately, his theories did not fully anticipate the government’s attempts to siphon-off man hours to help fight the 1950’s Cold War with Russia.  Or the continued movement of women into the workforce that began in 1950 and rose significantly through the 70’s and 80’s.  Not to mention the fact that there is some evidence to suggest that longer working hours leads to sustained inflation, which leads to longer working hours, which leads to – well, you see my point.

So now that we have Socialized Capitalism, where we routinely bail out individuals – to a point where we need some sweeping reforms of the welfare and unemployment programs – so why not bail out corporate America when it gets greedy and overreaching?

This isn’t new news.  Larry Burkett predicted this back in 1991, in his classic, but now out of print book, The Coming Economic Earthquake.  The book includes a chapter that gives a fictionalized account of how things might play out in 1999, if Larry was right.  What’s scary is how very un-fictional much of his story sounds now.  Economic Journalists Neil Howe and Phillip Longman pointed out back in 1992 that government spending for entitlements was out of control and if not curtailed would eventually result in disaster.  Meanwhile Pastor Gary Keesee may have wished his latest book, Fixing the Money Thing, wherein he explains a number of the concept his Forward Financial Group have used to help people out of debt, had come out a few weeks later (or maybe a few months earlier).  In the early chapters, he lays the groundwork of what is happening in the country and also has vision of the future, which turns out to be a little more conservative, but still a horribly scary picture of what our next few months may look like.

And in the end, the terrorists have won.  No matter how this eventually plays out, they’ve proven that Americans are greedy, capitalist fiends.  What’s more, we’ve also managed to prove that our grand system of capitalism is a fraudulent, failed beast – after all, if it really worked, we’d let these banks flounder and recover on their own.  And neither candidate is willing to say which of their programs they may have to eliminate to help pay for this bailout.  My guess is, regardless of who gets elected, we aren’t going to see another personalized economic stimulus package, but rather, higher taxes across the board, for everything from income to foreign goods (tariffs) to telecommunications to tobacco and alcohol and sales – anything to help “stimulate” the economy by saving some bank CEOs’ butts.  The same banks that now charge fees for everything from using the ATM, to cashing a check, to talking to a teller or processing a payment over the phone or Internet.

The worst part is, the American people, as far as I can tell, are largely against the bailout, but the politicians, by and large, ignored literally thousands of calls to the switchboard – not by some artificial grassroots organizations, but from hundreds of actual citizens, taking an interest in the government, trying to let our elected officials know how they thought the bailout should be handled.  They were, unfortunately ignored.  Now, while I’m not usually one to jump on the bandwagon – I usually lean towards the idea that there may have been information that elected officials were privy to that the public is not – I think in this case, Congress and the President should have listened to the people.  And just in case you wondered, here are links to which people voted for and against the bailout – in the House and the Senate.  You might want to take that into account when you head to the polls later this year.

I wish I had more answers to offer, but I don’t, other than to offer a couple of words of wisdom from God’s Word, spoken to the Israelites, “What other nation is so great as to have their gods near them the way the LORD our God is near us whenever we pray to him?  …Only be careful, and watch yourselves closely so that you do not forget the things your eyes have seen or let them slip from your heart as long as you live. Teach them to your children and to their children after them.  Remember the day… if from there you seek the LORD your God, you will find him if you look for him with all your heart and with all your soul.  When you are in distress and all these things have happened to you, then in later days you will return to the LORD your God and obey him.  For the LORD your God is a merciful God; he will not abandon or destroy you or forget the covenant with your forefathers, which he confirmed to them by oath.” (Deuteronomy 4: 7, 9, 29-31)

And, “if my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then will I hear from heaven and will forgive their sin and will heal their land.  Now my eyes will be open and my ears attentive to the prayers offered in this place.” (2 Chronicles 7:14-15)

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