Little Known Secrets for Your Writing Ambitions
Everything changes when you finally become an “author”. But the process isn’t easy. Learn the 3 publishing options for aspiring authors and which makes the most sense for your topic and your audience.

Here’s a detailed list of topics covered in this full-length audio program:
A Historical Perspective
- Learn the one trend that has been in place for the past 25 years and is ending right now.
- Find out why financial markets were so tight in the early 80s and how that it affected rates.
- Learn how the 2007 Mortgage Meltdown was the first significant trend reversal in 25 years.
- Find out about another less dramatic trend reversal that took place back in 2003.
- Understand what determines interest rates on a daily basis and why they’re rising now.
An Overview of the Situation
- How the Subprime programs work and why so many of them end in foreclosure.
- Learn what the margins and prepayment penalties are in the different loan programs.
- Find out why refinancing is no longer an option for many Subprime borrowers.
- Find out the shocking statistics that came out in early 2007, causing chaos on Wall Street.
- Learn the ability to see the future when it comes to resetting mortgage payments.
The Converging Trends
- Understand why interest rates hit a bottom back in 2003 and guidelines were easier than ever.
- Find out why the Federal Funds Rate was at historic lows at the exact same time.
- Learn why, unlike the stock market, soaring house prices defined their own downfall.
- Find out why the FED raised rates 17 times when the bond markets were also trending up.
- Learn why lower appreciation rates are contributing to soaring foreclosure rates.
- Find out why the reaction in the financial markets increased risk rather than the opposite.
The Investor Perspective
- Why the lender on your mortgage papers probably is not carrying the actual loan.
- Learn how the re-pricing of debt was delivering huge losses to the retail lenders.
- Find out why the lenders were forced to continue lending even though re-pricing continued.
- Learn why the re-pricing of debt forced the investors to take huge write-downs as well.
What the FED Did and Why.
- Find out exactly what the FED did and why their first move was a brilliant play.
- Learn what the FED invited back into the economy by lowering interest rates.
- Learn why the US dollar has lost over 40% of its value versus the EURO since 2001.
- Why other countries will jump in if necessary to stop the US dollar from dropping too quickly.
The Opportunities Left Behind
- Find out all the different loan programs that were hit by the re-pricing of mortgage debt.
- Understand why the leverage available in real estate will continue to make it a good investment.
- Find out the one category of loan programs that didn’t get hit and even has lower rates today.
- Learn about the opportunity in private lending or “hard money” loan programs.
- Understand short sales and foreclosures and who will be able to capitalize on those deals.
The Future of House Values
- Learn who the 3 different players are who are all selling homes on the market.
- Find out why each group has a strong incentive to accept discounts for the homes they sell.
- Understand how the appraisal process converts “fire sales” into lower overall valuations.
- Why actual homeowners are the last ones to accept the new lower values.
- Understand why the division between rich neighborhoods and poor ones is getting wider.
- Learn the 4 states that are being affected by foreclosures more than any of the others.

