Hey gang,

It is not my job to accuse or indict and I don't know anyone's situation other than my own.

So to anyone here who wants to contact me personally or continue to fight the good fight, I invite you to do just that. If anyone wants to learn from these mistakes I've made or compare them to your own or lack thereof, I invite you to do just that. I'm not yes-ing anyone along nor am I disrespectful of your choices, I just want to teach with and learn from my own mistakes. And if you get anything extra, I invite you to do just that.

I've made several more comments below because of what people have posted back and hope I've addressed the additional questions about me and the problems of these companies. Please look for your mentions, ralph, va appraiser and 2trusting and Sage.

I have taken responsibility for my choices and know that there is a lot of collateral damage that I am trying to clean up by these posts. And yes, va appraiser, I would be here even if they paid what owed. The reason that I talk about the industries affected so much is because other work I have tried to obtain in the same fields in this "local" marketplace has been affected by MDH and the stuff that I have continued to do "for" them without getting paid is simply debt collection.
I mean, if you blew town without paying your phone bill, the phone company would close your account but continue to request payment and report you to credit bureau and pass you to debt collection company and all that plus probably prefer to block you from other phone service by their talking badly about you or posting on credit bureau. That is my example.

So the example of phone is my position, not one of continued employment and everything would be fine if I were paid. And because it was a creative evolving thing and not a finite transaction, it is not done and over because things were set in motion and continued over time and are still continuing badly and with the intent to hurt not help people.
Compared to perhaps one of va appraiser positions, each transaction, like going to appraise one house, takes about a week and you either get paid or you don't and you dunn them.

Mine was business development. And when you see a company take your ideas and pervert them to the masses and sell them in a negative way,... yes I will pursue these companies regardless of whether they pay for services ultimately. The damage is done and restitution (or payment of the invoice) is not a defense because you can't give back time or trust and my reputation in the field I want to work in (business development) is damaged. So yes I would be here.

I am "asking questions" instead of explaining ralphmalph not because I am "marketing hat" but because it is your obligation to yourself to see if anything I question is also true for you or if it can help you ask the right questions about your situation.

Please check wwwDotjurisdictionaryDotcom for some definitions of civil and criminal things ralphmalph.

I am not a lawyer, I am not an accountant, I am not a journalist and I am not an investigator and am certainly not the best writer blogger out there. I am just a very concerned citizen doing my own research because I think it helps me learn from this and other mistakes. And if investors in this program have been reading here, they may make better decisions next time around or in the current moment about what to do next. The point is education, not punishment of the wicked.

People need to keep fiduciary control of their own money in order to make money in investing. This group of MDH figured out a way to sway more than 1500 families to part with their money. Is that my problem?? no way. But I hate to see it and I'm trying to do something about it.
And since my business philosophy is more about creating personal financial independence instead of MDH creating personal financial dependence which MDH they have in fact created, it is devastating to my business since my "competition" MDH, is winning.

I kept fiduciary control of my money in this, but I lost control of some intellectual property and personal living space AND need to do debt collection from criminals to stop the bleeding. I also live in a house and neighborhood affected by this crap. So, I need to be a good example for my daughter and sometimes (just like va appraiser said) you gotta choose between doing what's right and what's easy.

What I am doing here by writing and pursuing the debt collection is what's right. What I am doing by reporting to authorities and wwaiting and whatever else is what I feel is right even though not popular or lucrative.

The definition of success is recovering quickly and learning from one's "errors in judgment."

I am not "distraught" ralphmalph, because you say so, I have mentioned in every post that I have been depressed and not a robot and inarticulate and LOOKING FOR HELP AND ANSWERS just like other people. I may have a longer history with extra collateral damage from these company dealings, but I am posting because I just found this area and was running out of places to go for help. I've been posting first-hand accounts & info to see if anyone else notices or cares about the same and wants to actively change it, not passively criticize it.

I am sorry that you have to comment on me personally in order to gain more info from my posts but I am not offended because I have been self-deprecating anyway.

Perhaps my comment about the "Fed just printing money" is something that many cannot relate to but it does affect you. You are affected by the devaluing dollar if you ever spend one or save one. And if you don't think that more money is being printed because the actual global value of our dollar is going down and national debt is going up, then I can't help you with that in this post.

This post is about investors losing fiduciary control of their personal credit, mortgage/money, or losing big money and it is about people caring about crime and civil offenses going on in their neighborhoods and trying to get someone or some agency to do something about it. The value of the dollar is the heart of the problem as well as education as well as passive blogging.

Loaned money is not the same as saved money or saved assets. This is exactly WHY MDH can dupe people and this is exactly why the SEC can't help people with more than a slap on the wrist to offenders.

There is no entitlement in investing and no entitlement for the government to protect people. MDH created a culture of entitlement and indentured people within their industry and companies and with investors. That is the crime and the mistake and the thing that concerned citizens can do something about.

The responsibility belongs to each of us to protect ourselves.
That is why I write here posting seemingly useless "big picture" info... Because I respect people enough to give information so people can make informed decisions. And you know what? to all those that actually did invest money and houses with MDH, Andy has had all this info on how to do it right without alerting or concerning SEC or anyone because I gave it to him and explained it and he did his own thing anyway. HE WANTS TO WASTE CAPITAL ON EXPENSES AND HE WANTS TO LOOK BUSY AND IMPORTANT. Period.

He's had good plans given to him for creating the revenue and has chosen to ignore them. He specifically hires the wrong people for the wrong jobs to destroy while he looks like he's busy and working hard.
The investors paying their own mortgages this month and last need to know this.

There would be no lawyers bills and no SEC involvement and less scandal with more manageable fires to put out if people were "working" the MDH plan just a little differently. You can't "over promise and under deliver" more than once and live to tell about it.
And you investors need to know that there is a plan B if you want one, just Andy won't show it to you and won't let you know that it has been there all along.
And I'm a mom in real life, not just playing one here on blogTV, so sometimes I get to say things like "just because I said so" and be frustrated for a minute.

I'm not "marketing the same crap that MDH has" (ralph's comment) I'm saying that you should take what attracted you to the Dream Home program in the first place and find out how to do it somewhere else because it is being done somewhere else. It is not wrong to want the best life, It is wrong to get your dreams stolen by people who sell you the best life and don't deliver.

Investing and paying off mortgages quickly and the like are valid tools to live your life. And the ways to do-it-yourself are cheaper and faster if you find them instead of finding MDH. Period.

When I thought that I had left "working with POSCafe" and cut my losses, the other company that hired me knew about POSCafe but swore they weren't affiliated. More liars, same industry?? same pool of money? same retailers sold to? yes to all that and that is why I go to great lengths to explain the far reaching consequence of bad business. I mean should I stop looking for investments or buying real estate because I averted one bad deal? No, I will still do what I know how to do and obviously get burned a second or third time by the same people.

Va appraiser is right, we have choices about who we do business with and who we give our money to to watch over for us and who we invest in whether it is money or equity or sweat & tears. And the research about who to do business with is relentless if couple of bad eggs corner and cover their market quickly.

But all should know that I am not posting here "being secretive" or not forthcoming; it is just that I ask questions because your personal experience will be different than mine.

To 2trusting, dateline and primetime wouldn't take this on because it is too small and not close enough to a resolution. It is only "big" to us.
CNBC american greed show might, but I have contacted them and waiting. Someone else here reading could contact them. ???

All the gurus out there like Kiyosake and Michael Masterson and Barbara Corcoran and Donald Trump even say 'yes most people are fair and decent business people and you should go forth and "partner" with investors." But they all say, there are those who aren't so nice and fair and working with them will burn you bad and we've all done it once or twice and recovered." Being successful boils down to trust and fear. Managing both simultaneously. Period.

So far this "problem" doesn't amount to big enough deal and I am waiting for return calls from every investigative reporter and other steps I've taken to get out there.

The SEC's job in this is to protect the unsophisticated investor, the "widows and orphans" from unscrupulous ruthless predators. It is not the SEC's job to protect idiots with their investment decisions.

And NO OFFENSE INTENDED HERE PEOPLE. I am not calling anyone an idiot.

The reason I post about the other agencies like FTC and IRS and HUD etc., is because the more we involve agencies because it IS their job (FTC has "consumer protection" available and investors are consumers and certainly the IRS wants to know where they are missing money). the more chance we have of getting rid of INTENTIONAL LOUSY BUSINESS.

I wasn't the one to start these posts and threads on "mortgage scam" sites, I just found you guys here and joined in around post number 483 or something. I have other stories about these knuckleheads and "investing geniuses" that you or someone like you needs to know. And I've asked for help here.

Please start reporting wrong doings to the Department of Labor Licensing and Regulation (DLLR) of your state when some of these unlicensed MDH people start doing business or sending their RE Agents to your homes for sale. Maryland has a decent complaint area right on the internet.

And go look at the FBI website about how and what crimes they want the public to contact them about. or go to speakingofethicsDotcom or read Robert Kiyosake's book Prophecy. Or watch a free movie on google by going to wwwDotfreedomtofascismDotcom. It is by the same guy that did Trading Places, dan ackroyd and eddie murphy flick. Or look at Elizabeth Razzi's book Fearless Homebuying. She is the journalist that first wrote article in Aug in Washington Post. Or read Mobs Messiahs and Markets by Bonner or check out last month's Black Enterprise Magazine article "Emotions Controlling Your Money."

I'm not posting here to do any work for anyone else. I am posting because I respect people and believe that having information to make informed choices and decisions is the way to better health and wholeness. I have no way of knowing how each of you ralphmalph will use my posts or what benefit they can be to you. you have to decide and i am happy to discuss anything you find controversy in and I'll even debate it if you think I'm wrong. But I'm not accusing or indicting anyone, nor am I saying anything untrue to my knowledge. (notice I haven't been banged for slander or libel or "shut down" for rudeness, so there's just truth and spirited opinion). The law enforcers with have to decide and prosecute the crimes.

I believe I have to talk about what's wrong in order to change it. And I've been recently choked by this company yet while I am trying to get the noose off, I am struggling. Doesn't mean that I don't notice or want to help the others struggling too. And it doesn't mean I didn't take responsibility for my choices. Believe me, my pending divorce of 13 year marriage because of "money problems" (like 75% of other divorcing couples) is just a statistic not something I "blame" MDH for, even though getting paid would have completely made "divorce" in my family a non-issue, never would have come up. My "choices" were like anyone else's who tries to make a living as an entrepreneur. And I enjoy my responsibility and challenge of choosing better next time and making a better living everyday.

When I learned from the expensive attorneys who found/came to me first for this MDH crap, that they just wanted me to have a cut & dry, easy case for them, I decided I would continue to get information out there regardless of "easy case." since the truth is never easy or un-convoluted.

There are people with legitimate easy cases and they just don't know it or care enough yet because they haven't been thoroughly screwed yet to do something about it This is true everywhere in life including dateline and primetime and american greed. When it is bigger and hurts more people, they might decide to cash in.

So to anyone here who wants to contact me personally or continue to fight the good fight, I invite you to do just that. If anyone wants to learn from these mistakes I've made or compare them to your own or lack thereof, I invite you to do just that. I'm not yes-ing anyone along nor am I disrespectful of your choices, I just want to teach with and learn from my own mistakes. And if you get anything extra, I invite you to do just that.

But if you "can't figure out where I'm coming from" or "what the heck I am saying," I invite you to NOT blame me for wasting your time.

thanks. R-FM.