RADHA Mortgage:
Simple Solution to Housing & Banking Crisis
Re-write for website: Raghunomics.com

RADHA: 5 bank advantages over 30 mortgage:

a) Capital infusion of 20% against entire distressed property portfolio.

(This would have replaced gov’t bailouts and avoided 90% of all banking bankruptcies.)

b) Reduces amount of principal write-down by covering the first 25% of such loss.

c) Extends the time frame for making any write-offs ...

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RADHA’s Fast Equity Builder Mortgage:
Executive Summary: Solving Real Estate & Banking Crisis

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%


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 ...

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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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Small Biz: Greatest Untapped Biz
Smoothie is Templete for Small Biz Franchise Model
To J....s B....
Today at 10:48 AM

Aloha J.....,

Here’s what I wanted to run by you. I thought to tell you in person, but it may be more productive to outline it here first and see if this is something of interest to you.

The first is the premise that Small Biz is likely the single greatest untapped market. There’s about 30 million of them. Once combined, they represent the greatest marketing ...

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Do Something Responded: Not interested
Youth are not concerned about Fed Debt
To help@dosomething.org
May 15 at 9:05 PM
This message contains blocked images.
Show Images Change this setting

I came across your Fbook page in one of their adds and loved the name. I promptly posted one of my videos how we can instantly pay off a third of our fed deficit. $3 to $5 trillion of our deficit is in real estate securities Uncle Sam took as part of the banking crisis. If ...

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Merger Mania for Vendors
Smoothie Franchise without the cost
Letter to investor rep:

Today at 11:11 AM
You are so prompt Jagad. lol.

Here's the the short answer to risk:

The company’s operations are already up and running. Smoothie stands are going full steam ahead and have been doing so for years and decades. So there is no ‘risk’ and very little cost.

The punch line is 3 fold:

1) Activation vs. Growth

Activate all the independent ...

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Franchise Investor Group
Investor Group Interested in Smoothie Franchise
Aloha Gordon,

I’ve been approached by a third party representing investors that specialize in franchise investments. I wanted to check-in to see if your team would be interested in working with additional third parties on this.

It seemed this would make a good fit. Your side provides supply and cover’s small independent smoothie vendors through your network of associates while they would approach ...

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Smoothie Franchise
Letter to Pacific Beach Hotel and Vendors
Aloha Mr Faas,
Pacific Beach Hotel Manager

Here is a summary of our conversation and a short brief on the two biz plans about the smoothie franchise concept we talked about. I can send the biz plans should you want the more detailed information.

Summary Outline of Biz Plans

• Conversion: $5 to $200
The retail side of the smoothie biz may find a much larger market on the back end. Convert ...

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Guardhouse Biz Package
Recast as Network vs Studio
Aloha Visvambar,
You summarize the company well: ‘hunt for treasure initiative.’ The company value has been pegged to their immediate treasures and present hunt. They have packaged themselves as such and so struggling to get much above that basic value. Hence, the offer of 150% in coins against investment. It’s a give-away on their part.

In contrast, I see their present operation as a launching ...

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Press Release 11/15/12
Hunger Strike: Fasting from food and water for single question to President: Is Economic Crisis jus
Press Contact: Raghu Giuffre prezraghu@yahoo.com (917) 280-1888

Friday November 16th, 5pm til – Friday November 19th, 12pm
Waikiki Gandhi Statue

Raghu Giuffre will begin a 3 day fast from food and water this Friday November 16th, 5 pm, at the Gandhi statue in Waikiki, to stir the public to join in asking the President a simple question: Is this economic crisis just one big accounting mistake? ...

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Beyond Two Party Politics
Raghu for Congress Speech
This is the speech for our press conference announcing our Raghu For Congress campaign.

Most every political candidate in the country runs as a liberal or conservative or some variation of the two. In fact, most of the known world works exclusively from this conservative vs liberal paradigm. It’s so all-encompassing that few can imagine there would be something more. We dedicate this campaign ...

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Press Release, Raghu for Congress
Beyond 2 Party Politics
Here's our press release for Raghu for Congress.

Honolulu, HI (PRWEB) May 25, 2012

"There are easy to find solutions once we look past the two party ideology of conservative versus liberal," says Raghu. Raghu Giuffre has authored 6 books on Economics called Raghu-nomics. He explains, "$4 trillion in federal deficits can be paid in months ...

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Social cos: best economic platform for fair & effective policy
West Virginia introduced the $1,200 speeding ticket for the first offense. $2,500 for the second.

Is that fair or mercenary?

The apparent reason is that the Republican Gov. cut state taxes and so charged these higher premiums to make up for the lost revenue.

Well, is that fair to drivers?

What is the measure or basis for our tax policy?

Conservatives say that lower taxes allows greater ...

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LIfestyle Insurance: Health Care Made Easy
50% of medical cost is lifestyle. Cover own lifestyle reduce insurance 50%
Responsibility of One’s Own Products & Actions

Magic bullet to Health Care Reform

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 ...

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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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Kissinger Saved And Made the Modern Eorld
The Petro-Dollar
Kissinger and Oil Saved the Modern World.

Kissinger, oil and banks; These bad-boys of conspiracy appear to have been the basis to the whole of the modern world and every country involved in that process. This story starts much earlier, but we pick-up from when Nixon took us off the gold standard and Kissinger put us on the Petro-dollar.

There was an initial price spike after Pres. Nixon dropped ...

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Wake-Up NOw Proposal
Contacted them about American Shopping Party
American Shopping Party: ASP
Summary of Proposal

Phase 1
Internet Front Page to your company’s American Made Products

Phase 2:
Deals on Products on First Saturday of each month

Phase 3:
In store deals on US Made products for ASP Members

Market: 1
50 Million Shoppers

Revenues: Part 1 - $1.5 Billion
$10 a month, for 3 months ($30 total)

13 Million Union ...

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InfoWars.com: Letter to them
Time to Start Your Own Party
***t@infowars.comwriters@infowars.comwatson_web@infowars.com and 3 More...

Today at 11:55 AM

Aloha fellow rebel leaders of Infowars. Lol.

You may find that few things are more demoralizing then being sidelined as irrelevant. Let's do this to the globalist. Armed over throw of the globalist does have its patriotic appeal, but you may like this Gandi-esque approach far more appealing, effective ...

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New Inflation Model: Tech Cost to Gold
Inflation is not how many dollars it takes to buy gold, but how much gold it takes to buy technolog
(This is the short summary of an 8 page essay. Link to it at bottom.)

Technology is an effective offset against inflation and often, far more so then Fed (capital) policies. Technology can leapfrog ahead inflation and does so regularly. In the case of gas, hybrids are doing this now.

Hybrids outperform inflation by double (maybe triple). In other words, if gas prices doubled tomorrow, a hybrid ...

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Purpose of Candidacy
Why Raghu Giuffre is running for Hawaii’s Senate Seat.
Would love to have some feed back on this. How many of you would agree that the answer lies in replacing this political ideology vs. politicians? Pass this along to others considering to pursue office. This was my letter to Hawaii's new political party: Hawaiian Independence Party: HIP. I was requesting to represent them for the Senate seat. I'm officially still under consideration.


50% ...

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High-gas Prices Great for the Economy = Stimulus & Innovation
Inflation is in how much gold it takes to buy technology, not how many dollars it takes to buy gold
Talk of inflation is generally referenced by annual pricing: how much more was paid this year over last: 2%, 5% etc. Other times, it compares the cost of things from 10 to 100 years ago. Then there is the composite from a ‘basket of goods’ that offers the ‘average’ rate of inflation to them as a whole. And always to be heard, we have Fed critics and conspiracy buffs with a special focus on commodity ...

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Republican Healthcare Alternative
4 reasons Republicans will love ROOPA.
ROOPA: Responsibility for One’s Own Products & Actions

By Raghu Giuffre

Our ROOPA program is the kind of alternative healthcare proposal Republicans are looking for. Here’s the outline are we presenting to them via our network.

4 reasons Republicans will love ROOPA.

1) Gov’t Saves $7 Trillion

2) New Trillion $ Industry

3) Market Driven

4) Recast Ideology


· ...

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American Shopping Party
American Shopping Party Goals and Princniples
American Shopping Party

Self-Sustainability meets Common Cause;

50 Million Shoppers
Buy American Made on 1st Sat. of each month. 13 million union members getting 3 friends and family = 50 Million.

Common Cause
Other parties are there to work out our differences and that’s an important function, but need one place where we come together as one people. 29 ...

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American Shopping Party Protocols
Basis: Raghu-nomics
Potential Candidates must complete and pass a course on Raghu-nomics with a Certificate of Completion.
Must by voted in by 55% of officers and signed by Chairman of party to run as an ASP Candidate.
A chairman veto can be overturned by 2/3rds votes of officers.
2/3rds vote by officers for sensor. Signed by Chairman.

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Obamacare vs HMO Summary
Lifestyle: Solution to Crisis
We target HMO's as the primary cause behind the spike of USA healthcare cost over those of other developed nations. HMOs cost us about double for as much as half the service of other countries. This disparity began in the 80’s with HMO’s takeover of our healthcare.
Obamacare removes this HMO market corruption thereby leading to the kinds of cost savings and service upgrades we see of other countries. ...

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Obamacare: Victim of HMO Fraud
Solving the Real Estate Crisis: Lifestyle Insurance
‘…if HMOs are so confident of their service, we welcome them to remove all legal exemption – retroactively. Then we can talk of ‘free-markets’ and the better service they offer.’


We target HMO's as the primary cause behind the spike of USA healthcare cost over those of other developed nations. HMOs cost us about double for as much as half the service of other countries. This disparity ...

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Bungajungle Marketing Plan
Magnet Disk Set
Next Billion Dollar Company. Finished marketing outline for Bungajungle. Their magnets could become the industry platform for holding all tech devices – all 5 billion: phones, tablets etc. Their objectives got lost in the stands hot designs and sales prospects. Our marketing plan re-set them as an industry leader for tech platforms. This re-calibrated their cap rate from $30 million versus $300 million ...

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