Sunday, January 17, 2010

Creditors-in-commerce daily digest for 01/17/2010


  • 1099 OID discussion Tues Jan. 19 W/ Kevin Dashner [1 Update]
  • stop email [1 Update]
  • stop incoming email [1 Update]
  • URGENT - $5000 Penalty from IRS [1 Update]
  • Mortgage Fraud Site [1 Update]
  • Reversing a judgment? [2 Updates]
  • keys to freedom the Trust [1 Update]
  • Are mortgages fraud? [2 Updates]
  • Redeeming A4V'd invoices [2 Updates]
  • OID Dangers versus Gains [2 Updates]
  • Notary Aceptor [2 Updates]
  • Invitation to connect on LinkedIn [2 Updates]
  • Fw: Re: Foreclosure Solutions [1 Update]
  • Myown personal IRS agent : ) [1 Update]
  • Contact info for Canadian David Butterfield? [2 Updates]
  • STOPPED AUCTION COLD [1 Update]
  • Contact info: Commerce Through Capitalism Letter [1 Update]
  • Free Money! [1 Update]
Topic: 1099 OID discussion Tues Jan. 19 W/ Kevin Dashner
    Lucia Chen Jan 16 06:16PM -0800 ^

    Need help here. Last week I received a $5000 penalty from IRS
    forfrivolous filing of 2005 1040x with 1099OID's. Somebody
    suggestedthat I A4V the $5000 and do an amended return by deleting
    Schedule A,which is the deductions. Any inputs on this? Can I simply
    do anamended return without the A4V? It looks like A4V's have not
    beenvery successful... Here is how it came about:Received FF letter
    3176C in July 2009, responded in 30 days withconditional acceptance
    with proof of claim....... Received noresponse and called the IRS Jan
    4th 2010 asking for status. IRSstated that they sent another letter
    numbered 3175C (which is anotherFF letter) end of Oct 2009, which I
    never received. Few days after mycall to them on Jan 4th, I received
    the Notice of Penalty of $5000.

Topic: URGENT - $5000 Penalty from IRS
    Lucia Chen Jan 16 06:08PM -0800 ^

    Need help here. Last week I received a $5000 penalty from IRS for
    frivolous filing of 2005 1040x with 1099OID's. Somebody suggested
    that I A4V the $5000 and do an amended return by deleting Schedule A,
    which is the deductions. Any inputs on this? Can I simply do an
    amended return without the A4V? It looks like A4V's have not been
    very successful...

    Here is how it came about:
    Received FF letter 3176C in July 2009, responded in 30 days with
    conditional acceptance with proof of claim....... Received no
    response and called the IRS Jan 4th 2010 asking for status. IRS
    stated that they sent another letter numbered 3175C (which is another
    FF letter) end of Oct 2009, which I never received. Few days after my
    call to them on Jan 4th, I received the Notice of Penalty of $5000.

    Lucia

Topic: Mortgage Fraud Site
Topic: Reversing a judgment?
    Bruce Jackson Jan 16 03:08PM -0800 ^

    Hi again,
    Is their an administrative proceedure to deal with a collection agency that has already got a judgement through the county circuit court? They tried to garnish our checking account, but there was nothing in it. Still we got dinged with a bank charge and decided to close the account. I am currently working on trying to get a bank account with no ss#. If the bank refuses to open one, what is the most civil way to get my remedy? Do I need to apply as a resident alien? Can I have fun while doing this kind of stuff? Will I ever stop asking questions?
    Peace,
    Bruce

    james darby Jan 16 05:38PM -0800 ^

    i opened up an account a no interest barring account with wachovia i took in my w8ben that u can get off the irs.gov site push up forms and my (IDP) international driving permit as ID and opened the account it has no ss# attached with it

    --- On Sat, 1/16/10, Bruce Jackson wrote:


    From: Bruce Jackson
    Subject: [creditors-in-commerce] Reversing a judgment?
    Date: Saturday, January 16, 2010, 6:08 PM

    Hi again,
    Is their an administrative proceedure to deal with a collection agency that has already got a judgement through the county circuit court? They tried to garnish our checking account, but there was nothing in it. Still we got dinged with a bank charge and decided to close the account. I am currently working on trying to get a bank account with no ss#. If the bank refuses to open one, what is the most civil way to get my remedy? Do I need to apply as a resident alien? Can I have fun while doing this kind of stuff? Will I ever stop asking questions?
    Peace,
    Bruce
    --
Topic: keys to freedom the Trust
    onijunbei Jan 16 05:21PM -0800 ^

    This is my understanding( so far) and a bunch of questioning.

    The trustee(s) over your SS# bank and trust is the federal government
    (and/or Dept of Treasury). You are not the trustee over this trust.
    You are the grantor and beneficiary of the trust. Now having said
    that...

    Are you attempting to use 1041 for the above trust?

    Have you created a different trust? (Possibly using the drafts above)

    Who is responsible for filing a 1041 trust/estate return? Grantor,
    Trustee, or Beneficiary? the fiduciary?

    Indenture: Black's Law 9th(the jolly green giant edition) A formal
    written instrument made by two or more parties with different
    interests.

    Do you need an indenture? Really? Who are the two different parties?
    What are the different interests?

    Fiduciary: A person who is required to act for the benefit of another
    person on all matters within the scope of their relationship.
    Can you name the 2 people? Is the fiduciary the same as the trustee?

    Can a fiduciary and a beneficiary be the same person?

    When you go to sign a 1041 it states ...EIN of fiduciary if a
    financial institution.
    Is the fiduciary a financial institution?

    and right away in Box C it asks for a EIN. The EIN of the trust.

    just my 2 cents

Topic: Are mortgages fraud?
    Bruce Jackson Jan 16 02:51PM -0800 ^

    Hi everyone,
    I heard on one of the conference audios with Jack Smith that mortgages were not really fraudulent. That as trustees they are not obligated to tell us beneficiaries all the details about how they funded our application for a loan. But I hear that claiming fraud works because the banks can't prove its not fraud that they induced us to agree to pay for 30 years just out of appreciation for them handling our banking needs.
    But if asking them to prove they did not commit fraud works, then would they not be liable for all the payments that they have received under this agreement plus interest? And if they owed us all this money back, might there not be some leverage for convincing them just to let it go rather than owing us perhaps 10 times this amount in penalties for not helping us to get rid of the fraud once it was discovered?
    Or is there more success in using a private instrument to simply pay off the mortgage and then administrative processes to get them to acknowledge the payment and re-convey their alleged interest back to us?
    And who is the trustee that gets fired at what point in this process? I always here it mentioned without enough details.
    And assuming we get the best process figured out, am I still going to end up in court to show them that I merit a reward by calmly sticking to my claim while they try to provoke me to argument and trick me into their jurisdiction?
    I have some time to learn, but one never knows how much.
    Thanks always for all support.
    Bruce

    Donna Lee Jan 16 08:06PM -0500 ^

    Doesn't matter what Jack Smith says or what anybody else says. What do you believe to be true?

    I'll tell you and everybody else this:

    Yes, we agreed that they could sell the Note/Mortgage. But we never agreed that they could ALTER our Note in order to sell it. An agreement, once signed, that gets altered after the fact, is void. Altering after the fact, is Fraud.

    The Banks can't prove they didn't commit Fraud. Why? Because they will never open up their books and admit/answer your RESPA or CADV questions point-by-point which would outright prove the Fraud. If they had nothing to hide, why I ask you, wouldn't they simply answer simple banking questions? Why won't they answer under their full commercial liability? Why won't they answer under penalty of perjury? Why won't they prove and show evidence of your wet ink signature Promissory Note? Because they don't have it. And I guarantee you, they have very good 'Art Departments.' Yet more Fraud.

    I stopped listening to people a long time ago who place the blame squarely on us, and seem to praise/protect these Entities that have been sucking us dry for so long. You want evidence of the Fraud? Look at your PN where when you're sitting at the closing table, it says 'In exchange for a loan that I have received'. Did you receive a loan before you signed your closing papers? I know I didn't. Look at your Truth in Lending RESPA paper. It states the Dollar amount your Credit will cost you. There is so much Fraud in there it's ridiculous.

    Never let anyone sway you either way, all the evidence is within your reach. One terminology of getting your monies/credit back is called Administrative Overpays. If you're overpaying, isn't that Fraud too?


    Date: Sat, 16 Jan 2010 14:51:45 -0800
    From: bruce.jeanette@yahoo.com
    Subject: [creditors-in-commerce] Are mortgages fraud?
    To: creditors-in-commerce@googlegroups.com

    Hi everyone,
    I heard on one of the conference audios with Jack Smith that mortgages were not really fraudulent. That as trustees they are not obligated to tell us beneficiaries all the details about how they funded our application for a loan. But I hear that claiming fraud works because the banks can't prove its not fraud that they induced us to agree to pay for 30 years just out of appreciation for them handling our banking needs.
    But if asking them to prove they did not commit fraud works, then would they not be liable for all the payments that they have received under this agreement plus interest? And if they owed us all this money back, might there not be some leverage for convincing them just to let it go rather than owing us perhaps 10 times this amount in penalties for not helping us to get rid of the fraud once it was discovered?
    Or is there more success in using a private instrument to simply pay off the mortgage and then administrative processes to get them to acknowledge the payment and re-convey their alleged interest back to us?
    And who is the trustee that gets fired at what point in this process? I always here it mentioned without enough details.
    And assuming we get the best process figured out, am I still going to end up in court to show them that I merit a reward by calmly sticking to my claim while they try to provoke me to argument and trick me into their jurisdiction?
    I have some time to learn, but one never knows how much.
    Thanks always for all support.
    Bruce

Topic: Redeeming A4V'd invoices
    Cap1sucks Jan 16 03:55PM -0800 ^

    Yes, you can have a friend sue you but you need to be very careful to
    have your friend provide you with an undated but signed before notary
    release of judgment. He may be your friend and the most trustworthy
    person on the face of the earth but all of that does not negate the
    possibily that he may be called upon to help push up daisies and of
    course he would have no choice but to start pushing from 6 feet under.
    That call might come from the horn of a speeding 18 wheeler or a
    freight train or some other un-foreseeable accident or other causes
    and if something should happen to your friend you would be stuck with
    a judgment that you could not get rid of until the statute of
    limitations ran out and it was no longer a valid judgment. That could
    take a very long time depending on what state you live in, maybe as
    much as 20 years in some states.

    Then if your debt is to the IRS and they don't accept your A4V they
    can still come after you and no judgment is going to withstand an
    attack by the IRS. If you owe the IRS a good bit of money the court
    costs of getting a large judgment are not cheap and can run into
    several hundred dollars. There will also be the expense of getting you
    served.

    To make the venture even more risky you or your friend will have to
    know how to properly prepare and present the paperwork to the court or
    the court might reject the claim. We do that kind of thing in courts
    all across the country. We use lawyers to get the job done and it
    isn't cheap. We think we got a pretty good deal if we can get a lawyer
    to do the job for under $1500. Many want considerably more than that
    and even demand the right to bleed off up to 25% of the resultant
    garnishments on top of the high up front money they charge.

    We always have to provide proof of the claim as well and it must be
    carefully documented. Therefore we use two corporations. One the money
    is ostensibly owed to and the other to act as a debt collector. When
    it is done that way it looks to all and sundry like the real deal.

    Having a friend do it may work out and then it might not. If it didn't
    you would have spent at least $500 for nothing and maybe considerably
    more than that if you use an attorney to do it for you. An attorney
    would be cheap if s/he looked over your proofs of indebtedness before
    accepting the case and found them insufficient. Your friend won't be
    able to get the judgment unless he can prove the debt he claims you
    owe him.

    We had to set up our corporations, get the artwork done for the
    letterheads and envelopes, set up the accounting records, monthly
    billing statements, have our affidavits notarized by our in house
    notary public. We have to pay for access to data bases of attorneys
    nationwide, pay to have our (302) area code phones set up and working,
    we must have fax machines and other office equipment as well. It isn't
    cheap and if it isn't done right you will never get a judgment in the
    first place.


    http://www.mysexydevices.com
    http://docs.google.com/?pli=1#all
    http://tinyurl.com/ybevmte ------>Creditors-in-commerce links page
    http://sites.google.com/site/cap1sucks/
    Another great google group
    Synopsis of last 50 topics for this group

    (302) 360-8448
    Donna Lee Jan 16 07:49PM -0500 ^

    Hey Cap,


    Question for you:

    Since the Bank is a FICTION yet can be a Beneficiary, I'd like to hear your take on one of us using a FICTION as well, as a Beneficiary. I was thinking along the lines of my washing machine or my dishwasher, because they don't talk and won't reveal my secrets. What say you on this pops? Do you know if it's stated anywhere what FORM or SUBSTANCE a Beneficiary must take, that you are aware of?


    P.S. Don't mind me, I'm in a silly playful, thinking outside the box mood tonight :)

    > > against you for the amount of the debt. Take that judgement and A4V
    > > it via the IRS.
    > > Dan

Topic: OID Dangers versus Gains
    Christian Jan 16 03:00PM -0800 ^

    Hello All,
    I have spent over five hours a day studying and learning all of this
    data, pouring over references, etc. It's amazing what happens when a
    little bit of truth starts to show itself amongst the plethora of
    traps and dead end roads. In any case.
    I have been reading an incredible amount of warnings regarding filing
    one's 1099-OIDs for the last few weeks on this site. It was even
    posted been back in Feb of 09 on Winston Shrout's website that he no
    longer offers the 1099-OID seminar on DVD. I can obviously see how
    many people would be rushing to get their returns on their accounts.
    It's like doubling your income for the year. Many would like to file
    these but no-one is recommending it for anyone other than seasoned
    Creditor, but where can one really get all the data on it? Is there
    not anyone that has worked their way through this entangled maze that
    has a very successful system and that coaches people through the
    pitfalls of Frivolous Filings and threatening phone calls, etc?
    I am simply in a situation where my wife and I can no-longer file
    extensions on our 2007 taxes, will owe a good sum of money on them
    which we do not have. (Business has not been good to us since the
    midpoint of 2008.) Like many, we had a very profitable year that year
    so our bank accounts had a great deal of money go through them. So...
    Is it not worth a very solid crash course and an incredible amount of
    due diligence done now to preserve the finances now before they are
    lost? I have time... or should I say, I cannot afford not to make the
    time. Is there a 1099-OID Professional out there willing to do the
    education beyond what can be had here with Brandon's sessions?
    Thank you in advance for your replies,
    Christian

    Donna Lee Jan 16 07:37PM -0500 ^

    Christian,

    My heart goes out to you and your wife, brother. And everyone else in dire straits.

    If you'd like to give me a call, I'd be more than happy to tell you what I'd do in your situation.

    Donna Lee
    (727) 449-9419
    > education beyond what can be had here with Brandon's sessions?
    > Thank you in advance for your replies,
    > Christian

Topic: Notary Aceptor
    mcsilver Jan 16 02:04PM -0800 ^

    Hello
    I am also in Van Nuys. We used a guy named Sno down in Marina Del Rey.
    I believe you can get his number from the Freedom Notary referral on
    this board.
    Hope this helps,
    Christian

    Donna Lee Jan 16 07:33PM -0500 ^

    Here's Southern Ca Notary Presenter info. They are both GREAT!

    (SOUTHERN CAL)

    MARINA DEL RAY

    SNOHOMISH BROWN Member since 12/17/2009

    (310) 305-1324 (310) 902-7222

    rajakundalini@yahoo.com

    REDONDO BEACH

    CLAUDETTE RUNYAN Member since 1/15/2010 (310) 200-0966 cgrunyan@adelphia.net

    > > I'm looking for a Notary Aceptor in California, Van Nuys, San Fernando
    > > Valley

    > > Thanks for any sugestion

Topic: Invitation to connect on LinkedIn
Topic: Fw: Re: Foreclosure Solutions
    Harold Jan 16 04:19PM -0800 ^

    MORTGAGE RECONVEYANCE PROCESS - FACING FORECLOSURE !!!
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    * Customize Your Mortgage Solution Processes for Off-Set
    * Learn to Appoint Lender/Mortgage Company/Lawyer etc. as Trustee(s)
    * Learn to Invoice for the Original Promissory Amount
    * Learn the Mortgage Reconveyance Steps
    * Use Bank Fraud to your Advantage
    * Create Your Custom Strategy

    USE THE POWER OF THE NOTARY TO FOR-CLOSE UPON YOUR DEBTORS

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    From: Harold
    To: live.debtfree@ymail.com
    Sent: Fri, January 15, 2010 2:16:09 PM
    Subject: Re: Foreclosure Solutions

    Please send me the info. Thank you.

    Harold-Ellis: Beale

    Subject: Foreclosure Solutions
    Date: Friday, January 15, 2010, 12:08 PM

    Please respond by email to live.debtfree@ ymail.com if you are interested in receiving an invitation to attend.
    Hello, everyone. Happy New Year! Now that the holidays are behind us, The Debt Matrix is starting off the new year with:

    MORTGAGE RECONVEYANCE PROCESS ONLINE WEBINAR

    Sunday, January 17th, 2010, from 12:00 NOON - 5:00 PM Central Time

    FACING FORECLOSURE !!! This workshop will focus on addressing your present mortgage and/or foreclosure that you may be experiencing. Learn how to move title and invert the mortgage debt. Stop the foreclosure process using proven processes. Take responsibility and reclaim your asset.
    * Customize Your Mortgage Solution Processes for Off-Set
    * Learn to Appoint Lender/Mortgage Company/Lawyer etc. as Trustee(s)
    * Learn to Invoice for the Original Promissory Amount
    * Learn the Mortgage Reconveyance Steps
    * Use Bank Fraud to your Advantage
    * Create Your Custom Strategy
    USE THE POWER OF THE NOTARY TO FOR-CLOSE UPON YOUR DEBTORS

    Regards and God Bless,
    Wilson

    CONFIDENTIALITY NOTICE

    Disclaimer: Upon receipt of these documents you, as the Recipient, hereby acknowledge this Warning. These Confidential communications are protected under Gramm-Leach-Bliley Act 15 USC, Subchapter 1, sections 6801-6809 and other laws addressing the disclosure of Non-Public Personal Information. All information is subject to change without notice. Also, we do not give legal or tax advice. The preceding information is offered only as a point of view. You are encouraged to evaluate this information and act according to your own reasoning and conclusions.

Topic: Myown personal IRS agent : )
    Bruce Jackson Jan 16 02:15PM -0800 ^

    Suggestions Welcome,
    An IRS agent left his card on my door in early December, so I called him up to see what's up. He was looking into our situation because we had paid thousands of dollars of mortgage interest which was reported by the lending institutions, while never filing or claiming any income since 1997. I now have 51% ownership of a corporation for the past year and a half, and lived on and built my home and biz on credit, never making enought to pay all the payment that were incurred along the way.
    So his very friendly offer is to help me catch up with filing from 2005-09. He just wanted me to provide all the info, both personal and biz for that period. He also told me that if I decided to go with bankrupsy to let him know and he would wait til it was over.
    Now if it wasn't for CIC and otherd info, I may have thought bankrupsy was a natural choice. But with the knowledge of private intruments, conditional acceptances, administrative processes, and discovering that the United States and the IRS are private corporations, I feel like dealing with everything as it comes. I admit I have done a sloppy incomplete job of it so far, but I'm learning fast.
    So, I was asked to provide a bunch of stuff to my friendly neighborhood IRS agent by Dec. 18, 2009. I didn't even open his packet til last week (been busy). Now I know that I need to make some kind of conditional acceptance, either to buy time or get him to leave me alone entirely. My feeling is to sweetly suggest that I would love to devulge all of the details of my personal finances and business finances to them, all I need is verification of the law or laws that give them the authority to force me to report any personal information with them, (What else should I ask for?) verification being in the form of sworn affidavit under the full commercial liabiltiy and so on.
    Or, should I say, "Here it all is. When you figure out how much I owe if any, please verify that with sworn affidavit, blah blah... And then pay them with an AFV?
    I was deposed pretty well by him in our first phone conversation which lasted about a half hour where I very candidly told him all how we had done so much without actually making a profit in our biz.
    So, total disclosure and cooporation or start asking questions and get them to leave me alone? What do you think?
    Many thanks, Bruce

Topic: Contact info for Canadian David Butterfield?
    Frank M Jan 16 01:24PM -0800 ^

    I've just discovered David Butterfield's stuff. I've heard his name
    floating around, but can't find anything on the web, until I recently
    ran into a video.

    This guy has done what it is that I intend to do, that is to research,
    provide evidence and a solid logical process for his process. He is
    Canadian, and his research is Canadian. Based on what I've seen in the
    video, he sells all of his research in a ring binder and I'd live to
    get my hands on it. That, and I'd like to talk to this guy too.

    If anyone has any information on how to contact David Butterfield, or
    an individual or organisation that works with him, can you please
    email me with the details?

    PS: My email is fully accessible for anyone who is a member of, and is
    logged on to this group. Google Groups only truncates the email for
    non-members.

    Thanks

Topic: STOPPED AUCTION COLD
    sharir2007@yahoo.com Jan 16 09:33PM ^

    I didn't mean to sound offended Donna. I guess I just wanted to assure the readers that I am standing my ground. One part I messed up on was not forcing the clerk to place my indemnity bond in the case files as insurance for the case.

    But believe me I am furious at what they are doing to me and others like me and I am determined to get my car back or new cars with no liens on them at their expense. Either way I am not giving up.

    I will research the Writ stuff and see how to apply it to my case.

    Thanks Donna.
    Sent via BlackBerry by AT&T

    -----Original Message-----
    From: Donna Lee
    Date: Sat, 16 Jan 2010 15:47:15
    To:
    Subject: RE: [creditors-in-commerce] STOPPED AUCTION COLD

    Shari,

    My message was/is not to you and you alone. I speak to everyone as I try to get as much info out to as many as possible and if you look, you'll see my response went out to all, not just to you. I was not making an assumption about you or anyone else, I don't know you same as I don't know most here. I always try to help, nonetheless.

    Good luck
    Subject: Re: [creditors-in-commerce] STOPPED AUCTION COLD
    From: sharir2007@yahoo.com
    Date: Sat, 16 Jan 2010 19:14:17 +0000

    And that's exactly how I feel. When they took the car I said to myself there is no way I'm going to let them keep the car when they gave NOTHING for it. I was not taking it lying down and settling, however unlike them I went through the proper legal channels to move towards my remedy.

    I don't believe that being disgruntle is helpful at all. I show respect because I was raised that way and showing respect does not at all mean you will allow anyone to treat you any way they want or take whatever they want from you.

    You don't know what my attitude was in that court to make an assumption. But its obvious that I stood my ground enough to get a judge to recognize my position as the OWNER of the cars and set a date on the calendar to hear voice and let me tell my story and MAKE them (the credit union) DEFEND themselves against me now.Sent via BlackBerry by AT&T
    From: Donna Lee
    Date: Sat, 16 Jan 2010 13:24:20 -0500To: ; Subject: RE: [creditors-in-commerce] STOPPED AUCTION COLD

    Most are in the same boat Shari. The Writ of Replevin is specifically designed to recoup your property. Do the Writs work? I can tell you I used a Writ of Corum Nobis and I've had complete Estoppel in a case where the Asst City Attorney was out for my blood.

    I can tell you that most everything is 99% attitude. But if you don't have the essential attitude ie. Knowing who you are, knowing you were/ARE the Creator of Government whose SOLE PURPOSE IS TO PROTECT AND MAINTAIN YOUR INDIVIDUAL RIGHTS, (Are they?) can you guarantee that you'll make it work? How can we know that you won't throw everything at the wall hoping something sticks which may lead to the Court believing you are of mixed mind?

    I make things work in Court because I won't accept any other outcome. Nothing else will do. I won't walk into a Court that we paid for, pay for all their salaries, the bench, the clerks, the recording equipment, the gallery seats, and defer to them. I don't rise for any of my employees ie. the judge/hearing officer/magistrate same as I wouldn't rise for my maid (no offense to maids!) You must see through the ridiculous mirage, cut straight to the chase. I call judges by their first name. If anyone is to be honourable, it is us, not them.

    > > not be used nor does it give arbitration instructions, which means any
    > > issues of payment between either party under contract should have been
    > > resolved in a court of law before any actions were taken.

Topic: Contact info: Commerce Through Capitalism Letter
    Jan 16 04:15PM -0500 ^

    For those who have asked my contact info, it is below.

    NOTE: I never check my gmail account, and only use it for CIC.

    Dan

    _____

    This program can allow you to Buy A Home, or Fund A Project,
    for pennies on the dollar. Pay off your existing home or
    buy a bigger and better home all for "work" instead of cash
    payments! You can also do a combination of both work and
    funding as you will see.

    How can this be possible? Through what we like to think of as a
    new "Economic Model" but which is really the same model that
    made this country great and served it well until things changed in
    the early 1970's, "Commerce Through Capitalism".
    Let me ask you this, do you really know the difference between the
    concepts Commerce and Finance? Maybe now is the time to learn!

    At this point you should consider yourself a passenger on a
    sight-seeing bus beginning a tour on an Educational Journey.
    I am Dr. Dan Ecklund, and as your referrer I will be one
    of your Tour Guides. One good way to start your Educational
    Journey is to attend one of our Introductory Webinars that take
    place on Monday's there are morning and evening secession to
    best fit your schedule. Just click on this link:
    <http://financialhope.info/Webinars.html>
    http://financialhope.info/Webinars.html
    and scroll down the page to the appropriate
    date and time on which you click to register.

    Although there is no cost to learn as much as you like about
    this program, access to and the ability to use a computer on
    the internet is a must. And because it is organized as a
    "Private Club", once you have decided to proceed you will
    need to complete and submit a "Non-Disclosure Agreement" (NDA).
    Again, this is not because we are doing anything illegal or
    mysterious, but simply because there is a difference between
    the concepts of "Private" and what we have become so familiar
    with, "Public".


    If you would like to Jump-Start your journey you may click
    on this link:
    http://www.financialhope.info/affiliates/jrox.php?id=2267

    and submit this document electronically. Fill in the form
    completely, anything that does not apply please put "N/A"
    in the box! In the Referrer section please put my name and phone number
    (Dan Ecklund 1-305-515-8137) That's all there is to it! After
    you have received your welcome email please forward it to your
    "Referring Member" (Dan Ecklund - ProgressEc@
    gmail.com )
    so I know you have joined and can provide you support!
    Once we have your Non-Disclosure Agreement you will receive several more
    websites and special private invitations to training webinars
    to assist your understanding of how to start receiving the
    blessings of Financial Hope!

    Or you may want to start your educational journey by reading
    the information at the: <http://www.financialhope.info>
    www.financialhope.info website, make
    a list of questions then over the next few days get them answered.

    But however you get started, you owe it to yourself and your
    family to step up to the plate and learn how this program can
    provide not only funding for a Home or Project but also the
    means by which you can realize whatever your imagination
    and drive can conceive. And we will be there to match your
    industry with the guidance to do so!

    To Your Health and Prosperity,

    Dan Ecklund, MD
    ProgressEc@gmail.com
Topic: Free Money!
    Jan 16 04:12PM -0500 ^

    Sure, check it out. But only a fool dismisses a possibility without
    checking it out.

    I believe that you have the possibility of creating your own reality. If
    you live in fear, and do not choose the possibility of having abundance,
    then you will see only scams in everything, and not experience abundance.
    If you choose to experience abundance, then possibilities to create
    abundance will come to you, and you will be able to experience the abundance
    that you create.

    Ask me a question and I will answer it. Label something as false, and I
    will let you sit in your belief.

    Dan
    ____

    From: Bill Hubbard [mailto:billrhubbard@gmail.com]
    Sent: Saturday, January 16, 2010 3:29 PM
    To: dan@stemtechlab.com

    Subject: Re: [creditors-in-commerce] Free Money!

    Be careful with this one. It looks like a scam. Go to google and search "
    as an aval". You will have a hit on the first page describing a new scam
    approach using the terminology. There just is no free lunch. Beware!