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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
Dhanesvara & Bhalavanta
The Only Plan, An Act of Faith
From: Raghu Michael
To: Dhanesvara ; 'william ogle' ; 'Dhanur dhara Sw'
Sent: Monday, September 12, 2011 3:55 AM
Subject: The only plan, an act of faith
Jai Dhanesvaraji,
I don't really make plans so much as trying to understand what the next step Krsna has in mind for me and then try and do that ...
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Marketing Proposal for Cutter Dodge Hawaii
Charger created a new genre: Family Muscle car Sedan
From: John Michael <***aghu@yahoo.com>
To: lancerivera@cuttercars.com
Sent: Tue, May 10, 2011 10:59:07 AM
Subject: Here's the Marketing Package
Hi Lance,
Here’s a short summary of the marketing project for you.
I went to Aaron, the marketing director for Ward theaters. He offered to have our cars showcased in the theater lobby. The big breakthrough was offering to see about having the ...
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Letter to HI Fed & State Legislatiors
Opportunities for the State
State Rep. Bob Kelke squelched the momentum of interest we were getting for RADHa once his secretary told him that it's success would lend credibility to democrats. Here's my letter to him and all our previous correspondence before then as well.
Hi Tom,
I've identified the 'other problem' with the RADHA program that you referred to in our last talk. In short, RADHA's success would validate Pres. ...
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Approaching Universities In Hawaii
Need Institutions of new Trends
From: John Michael <***u@yahoo.com>
To: Randall O. Chang
Sent: Sat, February 5, 2011 8:11:54 AM
Subject: Re: Looking for partners for economic discovery
Hi Prof. Chang,
Thank you for your time.
The other Prof's there were also not interested. You are institutions of teaching, not policy and new trends or discoveries per say. You create the next generation of students with ...
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Brining Country together in Common Cause for Christmas
Letter to CEO of Storesonline
Sent: Mon, November 8, 2010 6:28:06 AM
Dear Mr Mihaylo,
I’m writing you about our American Shopping Party for the obvious reason that a thumbs-up from the top moves things along faster. But the reason is greater than either the request for some added benefits to this project or the opportunities for your company - which has countless possibilities. Rather, I’m writing to press the urgency of ...
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William Ogle, Balavanta & Dhaneswara
Campaign Strategies
From: Raghu Michael
To: william ogle
Sent: Sat, July 2, 2011 12:11:03 PM
Subject: Re: Here's a quick summary read: ROOPA
Jai Balavanta,
Oh my, I have to say that I was very surprised that you had never responded to my messages . I now discover that you indeed had done so and that your kind reply had simply been buried in my pile of mail. lol. My ...
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News
Contact me: Facebook
Raghu for President or Raghu for Congress
For those wishing to see more of my work or contact me, I"m more reachable by FaceBook now at Raghu for President or Raghu for Congress. The Raghu for Congress page does not require a Facebook membership. It comes up on the net without being a member of Facebook. This site here is about 10 years old and so a little out of date. Hope to update once we get more resources. For now, it's ser more my personal ...
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Press Release on PRWeb
Raghu-nomics: Deficits & Health Care Made Easy = Fresh Look; New Possibilities
Raghu-nomics: Deficits & Health Care Made Easy = Fresh Look; New Possibilities
Raghu-nomics is a new book geared to present innovative policy programs that can inspire public discourse and expand the political process. Today's politics fails to capture the best of 21st Century America. This means trillions in opportunity remain just beyond party politics. Raghu-nomics showcases these oppertunities ...
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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. ...
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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 ...
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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 ...
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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
Latest Project: Ayurvedic Courses in Hawaii
Ayurvedic goes corporate
Here's my latest project.
From: John Michael
To: Adele K. Tasaka ; Marie Watanabe
Cc: Jean Prem ; Raghu ; Me
Sent: Friday, January 13, 2012 6:23 AM
Subject: We can get $120 per room
Hi Adele & Marie,
Some great news here. It seems we should be able make that $120 price point per room ...
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The Circle of Politics
Moderate vs Anarchist
Raghu Giuffre
, Mesa Republican Examiner
January 1, 2012
The Circle of Politics: Moderate vs Anarchist
“Our old political model keeps us tied into this Left vs Right or Capitalist vs Socialist paradigm, but actually, the real Polar Opposites are the Moderate vs Anarchist at the top and bottom of this Circle of Politics. Fascist vs Communist are the Polar Opposite to the Left and Right of this ...
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Romney's Bet should be Standard: My Word is My Bond
Making Political Posture & Untruths Pay
Raghu Giuffre
, Mesa Republican Examiner
December 12, 2011
Mitt Romney made a $10,000 bet to fellow Republican Presidential Candidate Rick Perry over a detail in their latest TV debate. The media has portrayed this as an example of Mitt being out of touch with the Average Joe. I mean, whoever has $10,000 for a bet on a small detail? Well, politicians have that kind of money and they expect us ...
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Obama & Republican Postures Miss Real Solution to Economy: Off-setting China
Not part of the Capitalist vs Socialist Paradigm
Raghu Giuffre
, Mesa Republican Examiner
December 7, 2011 -
How to make sense of all this legislation. Republicans are not jumping at President Obama's Payroll tax which reduces the Social Security Tax from 6.5% of income to 4%. And it is now the Republicans demanding saving the cut to doctors fees in Medicare. On the outside, it appears that some how Democrats and Republicans have swapped roles. ...
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Automating tips is a bait and switch of service and pricing
List Price or no charge
Automating tips is a bait and switch of service and pricing
Raghu Giuffre
, Mesa Republican Examiner
October 16, 2011
*
There is a growing debate brewing about automating tips. Proponents suggest a convenience for the math impaired drunk and hint at a cheap streak of those opposed to such automatic tip charges. None tippers and critics are cast in this light that somehow the patron is ...
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Simple Solution to Greece & EU Debt Crisis: 4T$
Investers take their losses.
Raghu Giuffre
, Mesa Republican Examiner
September 22, 2011
Raghu-nomics presents a rather simple solution to the Greece and EU debt crisis. It would be to create a Three Tier Tranche Trade system wherein the 1st sector of debt is paid first while the 2nd and 3rd are paid last. Once there is a financial problem, the 3rd Tranche is automatically eliminated and those investors take a loss before ...
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Run for President Begins today
Letters to Dhanesvara
From: Raghu Michael
To: Dhanesvara ; Balavanta William Ogle
Sent: Tuesday, November 1, 2011 3:20 PM
Subject: And so it begins.
Well, I've officially announced my run for President on Prabhupada's disappearence day at Tompskin Squre Park and now begin the campaign today with the hike from that Park to DC. I hope your prayers and ...
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Birthday Poem for friends birthday
Raghu Giuffre:
A far & lonely place, you can see it on her face. A world of complex goodness, lost to those of rudeness. She lay but a flower, to those of sunny power; for it is the heart that she so boldly builds her tower. Rg Happy birthday Manjari.
Manjari asked for a poem for a birthday. Aloha girl. ...
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'Colors of Heavens Joy'
the orchestra that plays to the promise of true love
'Colors of Heavens Joy'
It seemed a lazy afternoon,
She's sprawled on the couch w/Rumi
but in the flash of life's magic moments
it's all the splendor of sunset
hanging on horizon's window
A quiet beauty that steals the whole of the canvass sky
The heart touches the colors of heavens joy
It's brief
a snap shot of dreams
the orchestra that plays to the promise of true love
and all ...
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Principles of Raghu-nomics: Rough Draft
The formula's behind Raghu-nomics
by Raghu for Congress on Wednesday, September 7, 2011 at 11:18am
Rough Draft of Raghu-nomics
I've just started outline what makes up Raghu-nomics. Here's what I've assembled so far.
Principles of Raghu-nomics:
We present the Raghu-nomics tool box here. You will find the secrets behind our policy achievements and the far more rewarding benefits of a neutral set of tools of application ...
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Low wages vs High wages & Corresponding tech boom
If Tech was cause of jobless, then why outsource to other countries?
Here's an interesting conversation we had about low wages high wages and the corresponding technology boom that follows.
With geniuses like this, who needs idiots. Having grown up in India, I know that low wages is not the answer. (In reference to Michelle Backmans' talk of lowering wages.
Jeanie M. Barnett and Tami Ruggiero like this.
Dilip Rajkumar The next thing she cld say is ...
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Prudentials Excellent Assessment of Me
the Core Capacities IndexTM
I just took a test from Prudentials job application page and there's the assessment from it. Exquisitely accurate. this is the best summary I've come across of who I am. Bravo to their consultants and program.
Here's some hightlights:
"Strategic thinking is your forte. You see and understand the relative worth of people and things. You like to maintain a good mix of people, activities and things ...
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