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10-06-2007, 11:09 PM
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Well, I can start... this one last long post, I promise
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Who's their advertising maven on staff or what clio award winning company do they work with? Where is MDH advertising agency? There's been R&D for 2 years on that. And no company. And anybody in advertising knows there are market cycles that follow in advertising. Like for example selling stuff during Christmas end of season is thought out usually paid for and ready to roll out during Aug Sept. If MDH companies know this and miss deadlines plus don't actually do what the business ad wanted, where is the fault for lost Christmas business and who suffers that loss? MDH or the company that was not really advertising their Christmas widget? Where's the FCC who monitors broadcast material which includes narrowcasting types in local retail or over the internet? Narrowcasting and even the Walmart "in house ads on plasma screens" outsources their production and delivery, they don't produce all of it themselves or alone. And they have rules guidelines for publication and distribution. Where does MDH get any material and who's the creative and where are the ads they sell? And where is the oversight? If you run a hairsalon and three different venues have approached you for a sales call this week about your business, and one of them happens to be an MDH company that isn't really advertising are they really damaging your business by the time lost and dollars lost if you chose them? What about the client that the other two sales callers lost? Where's the Federal Trade Commission about merchantability of a product or service being marketed by these companies? Consumer Protection Hotline anyone? Where is the Truth In Advertising oversight? Where's HUD and fair housing and discrimination when all the invalid or unenforceable leases on these investment properties get to rent court? Most of the MDH employees either live in a MDH home with mortgages getting paid or if they didn't invest do they have a lease for rental and with what income verification? Did the rent cover the mortgage or was it free and part of salary? Or was it half and half? Where's equal opportunity employment laws (out the window?) when you don't have a human resources department or any conflict resolution arena? How do people apply for a sales job to sell products that may not necessarily exist? Or if revenue for a company that they work for is really borrowed not earned and will never be earned? How do the "secretaries" honestly earn a living if their paycheck comes from a pool of investment money instead of revenue generation? What is the justification of the secretarial position? Most start-ups get going over a kitchen table or in the garage before they get secretaries, just for example. Most companies test their market and make some sales before hiring a bunch of people. Most companies do a business plan before they start a business and have a vision or mission statement. Does anybody know what MDH's mission statement is? and do we know it on paper with an executive summary or some other About Us FAQ? and I'm talking about a mission statement not a tag line that says "Together we all achieve miracles." I hope every one has seen this one from Metro Grapevine for the laugh. AHW has created 6, 8, 12, or more other companies and corporate liability shields and they are all funded with real estate investor money yet he says he is not a broker dealer or in real estate. This "Money" by the way that was not theirs to invest, but borrowed money from a bank, just signed for with excellent credit. And since it is all electronic, we know that no one ever really put 100k of savings in some one else's account, it just showed up there electronically to be withdrawn more slowly after going to a RE settlement. No one ever actually touched those dollars changing hands. I'll get to the "money borrowed" issues. There is no business plan for any of these businesses until after they are funded to the family and friends of those controlling the cash and even then, where's the real business plan? Where's the marketing plan? If you look at MDH roster of investors and employees, guess what? Whole families including more than one or two separate households of families are buying houses as investors in the programs getting mortgages paid and collecting salaries for working for a conceptually made up new company that doesn't really do the business they say they do. For one of the new businesses, I was asked a question a couple of months ago about how to buy commercial real estate so that equity could be moneytized and just stripped from the purchase. On commercial property. By one of the employees who had just started a new LLC funded and partnered by the employer MDH to buy commercial property. It was also obvious that this person thought buying commercial property was the same as buying residential. Didn't know what "cap rate" meant and had never really looked at any resources or even late night infomercial on the subject. But the LLC basis was funded by MDH dollars. Ask any MDH employee who's title is customer service or account executive or whatever to write a job description for themselves. what do people in the lower positions than CEO think they are doing? Look at any MDH website (well no longer up but true when they were) and read About US. Google any industry term like "Digital Signage Washington DC" or look in a magazine like "Kiosk Marketplace" and see where any of the companies come up in SEO (search engine optimization) or trade area search. Can you find an MDH company in the first 4 or 5 pages or even more under that search? When you want to start a donut business because you like donuts, you gotta start making the donuts at some point and you gotta make your first sale to people that like and want donuts, then you can hire other people who want to make more donuts and hopefully they like to make donuts and want to find others who want donuts. What do you think the problem would be if you SAY you want a donut Business, yet you don't do any (or very little) donut business and you don't have enough sales to justify hiring other donut-liking people but you do it anyway? And the people you hire actually also want and like donuts AND they know people who want to buy real good donuts? and they want that business or want to sell donuts and can find people who like donuts and then their reputation is compromised because there aren't any donuts for these people that they went out and found? and then the employee finds out that the company that they work with is not what it said it was and was never making money from donuts even though they said they were? What does that employee do on the next job interview at a different donut making shop? How about the fresh outta school college students that MDH has solicited from several local universities that think they want to work in Digital Advertising? How about the ownership of work product and intellectual property and job fairs and service people like lawyers and title companies and retail establishments and competitors really in business to sell any product that MDH says they have? And is the landlord of the donut shop hurt when the business goes bad? What if they intended to open 16 donut shops without selling donuts but just set them up to "clear money" and "pay expenses" and look busy but weren't? Does the location go up in value or down? And what about vacancy rates? and what if the 10 of the 16 were from the same landlord? Google define:racketeering and see if anything here fits. It is the planned obsolescence that injures, not a legitimate business attempt that just doesn't make it. Where do the stats come from about small businesses anyway? And does the employee get to apply for unemployment compensation while unemployed after this job goes bad? The only other thing I will include now is about general economics 101. Everyone reads in the paper about the declining value of dollar and sending business overseas and the sub-prime mortgage problems (that banks really brought on themselves) and government bail out of some of these. but here's the kicker the dollar is going down in value because it is a debt instrument to begin with. When we have a job we trade our hours for dollars which are really "notes;" read a one dollar bill some day. When we invest with our dollars to make more dollars just for dollars sake it just really creates more debt. (Example, the Federal Reserve can just print more and flood the system. Take a barrel of oil -- in 1995 it cost $55 in 2007 it cost $70. Did the oil change/get better or does it just take more dollars to buy the same quantity of the same product? One step further in this example is these MDH houses, over-paid for with bank's dollars, not investor savings accounts in order to rip off the bank's cash not create value and it is cash for cash sake not cash for creating valuable goods, products, services or education). If the dollars are invested for products, services or education there is an actual trade or value in the transaction. The dollar that was "re-designed" if you will, (during the 70's when Nixon took us off the gold standard), has approximately a 40 year decline built in. We are coming to the end of the 40 years and borrowing plus consumer debt is at all time high because of easy access to dollars (debt instruments) not assets (houses, silver, oil, whatever). When a company comes along just preaching and setting the example of cash for cash sake, it becomes really scary. MDH is getting people to trade their earned assets like credit score or equity in real estate or their sweat equity or time in a job for cash... instead of the other way around. I agree people need cash to live and I'm one of them. But to constantly strip out cash from an asset exploits the resource and creates a conflict over that resource. The resource in this case is the people not the banks. "unrestricted demand for a finite resource ultimately dooms the resource through over exploitation. the cost of that exploitation is distributed to all whom the resource would be made available and is wider than those actually exploiting it" You all might think that this is over the top or too much for this post or even that I am off my rocker. But the Pinnacle RE scam in Atlanta took 9-10 years to get through, people just caught and imprisoned this year and late 2006 and and affected lots of people plus their real estate market. And they weren't selling anything but real estate ponzi. MDH says they are a Point of Sale Businesses, and Digital Technology and Property Management, and Rehabbers, Developers and Prepaid Credit Card and other card products and they have partners who sell ads, work with minority communities and unbanked individuals and they stand on laurels that they haven't earned affecting THOUSANDS of people and their livings. And they call "civil rights foul" when questioned by government authority in one area. And the ways that could really save investors and really make them some money in an earned fashion instead of a stolen fashion are easier and less costly and productive instead of destructive and simply expense driven draining companies. That is what I don't get. When it is so easy to do it the correct way, why does one choose to do it the wrong way? Andy Williams is an excellent fund raiser as so many of our model citizens are (consider politicians, Enron's and Tyco's top dogs, Big Pharm etc. ) and it is obvious that no areas are immune to scandal and scams. But small businesses especially affect the middle class and the majority of the citizens. That is why I feel this problem is much more than investors just being conned into giving borrowed money into a get rich scheme for cash for cash sake. This country is in serious trouble with debt and war and employment and all the rest. And the middle is getting hurt the worst. When an authority figure told me the other day that "$100 million seems like a lot to me and probably to you too, but in the scheme of business it is still considered small potatoes" that is when I realized that all it takes is a couple of these "little small potatoes" problems in a concentrated area to bust some people and some communities possibly yours and mine straight to oblivion. I hope there is some helpful stuff here and not just drivel. I feel strongly about this and maybe I have picked the wrong area to exercise that. I know I am not a journalist style writer and I appreciate the friendly nature of this posting board and I really want the "big picture" to develop some traction in getting resolved. I realize that there are some who are just reading for fun but I hope like minded people will get involved in shutting down the Market Destroyers. Easy Money is always followed by Hard Money. Trying to learn and do something good for your family shouldn't necessarily include this scam of the unsuspecting or unsophisticated consumer and the empirical control that companies like MDH try to establish. I'm a smart enough person who didn't invest money with them, but yet MDH has usurped my small business to destructive ends because I tried to teach and build and be the partner that I was looking for. (to use Robert Kiyosake's quote) "Don't try to teach pigs to sing, it frustrates the pig and wastes your time." With the economics of declining dollar and the ongoing war, we can little afford these seemingly small internal battles with meanies where individuals and whole communities or systems or businesses are destroyed from the inside out. 
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10-07-2007, 02:11 AM
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Wow!
Please don't take this the wrong way, Re-f.......nothing in your post about MDH business practices is the least bit surprising. I'm pretty sure most of us had strong intuitions about these practices and much more, though you do offer first hand perspective, which I appreciate. It's not a crime to be a lousy business manager except when you use OPM and deceive your investors while doing it. I stand by the comments in my last post. Your macro-economic comments are way, way beyond the MDH concern, IMO. Just one question........I am not familiar with the term "unbanked individual"...could you explain?
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10-07-2007, 12:48 PM
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Unbanked Individuals are perhaps one of the lowest common denominator of many local economies and are a group of people that the Federal Reserve and banking industries are very concerned about tapping. Unbanked people are usually minority groups, immigrants, welfare recipients and other minimum wage earners and perhaps college students and even people who travel outside their local neighborhood for work. Google "unbanked" and see the government concern. When a company preys upon and seduces LCD's of society, that is where I disagree with Sage comments about "being lousy business manager not a crime" because I believe the intent to create the bad business(es) makes it actionable by concerned citizens. I believe the things that make this whole investor problem a scam in the first place is the intent to defraud. And devising plans to create illegitimate companies. If I go to a job fair or some event like for example, Washington Real Estate Investors association (Washington REIA meets 2nd and 4th Monday in Rockville) or special interest event like "Stone Soul Picnic" and people from a company like an MDH are coming to meetings, setting up tables, advertising for employees or to attract investors or advertise motivated sellers, or if I answer a pre-foreclosure consulting sign because I am down on my luck and in financial hardship, the intent of these "lousy managers" (with CEO titles etc.) should be actionable. I'm not looking for a perfect world. I know there is no such thing as a fair flat market place. But human nature of people in general, says, "with limited time and resources, people will gravitate toward and ultimately choose the one or the company on top." I believe, like you Sage, that the AG's and the government will not aggressively prosecute and that they just want the "business" to cease. But Andy Williams is a repeat offender. If what was reported in post about Dr. Bland testimony is true, He's a repeat offender. And if they are only slapped on wrist, they'll show up again and again. And there is really no one available to champion the "unbanked" or other unsophisticated consumer, if the "Lousy Managers" are not accountable for their intent. And there are people starting and running businesses that legitimately need or want their competition and their benchmarking to not include the "Lousy Intent." True that macro-economics has no place here, but when it's micro-economics it does. My "oil example" in last post affects everyone who drives or uses heat in this country. This country is about administrating the Rule of Law and interpreting the Spirit of Law INSTEAD of the everchanging desire of private interest. When lousy managers are allowed free run of our industries, it is no wonder that the companies who want to do it right or better are sending their tech support or manufacturing to other countries. American's have a lot of issues as well as being the greatest country to live in. The reason it is that is because we are allowed to make things better when we see problems. The ERISA system is failing, and the Banking system that changes credit card interest rates on one card because you make a late payment somewhere else and they are "Big Brother watching" ...and all these people are affected when MDH sells an POSCafe package ATM with fees for use -- to get the highest return from the lowest common denominator user for the profit margin of the investor shareholder and host location vendor. all that affects everyone every day in crappy mortgages, and therefore interest rates, sub-prime unchecked lenders, higher prices everywhere and insurance and going to the convenience store to cash your check while being blasted and distracted with ads for other crappy products from a big plasma screen. We live in an "Attention Getting Age" right now -- people spend their money and their time according to who gets their attention and holds onto it. Information Age is still valid descriptor but people are spending money where attention is, not getting information. I'm in sales and marketing and I consult business development. People spend money and time according to where their attention is and with the pursuit of internet business and compartmentalized marketing and shopping (look at Ebay or People Magazine or American Idol) and again I will say that without time and resources or education, people choose businesses, for better or worse, according to who has their attention. If MDH is getting attention from investors and even whole cultural groups (like being a minority owned business and having mostly minority clients and end users and rallying "civil rights support" etc.), and they are excellent fund raisers and charismatic repeat offenders, it affects everyone who tries to use the same or different exploited resources in these industries and cultures. and people are driven to distraction on a very personal micro-economic level by what we are watching and listening to and participating in everyday. I believe that the "lousy, bad business" is criminal when you can find intent. So that is why I closed last comment with the "teaching pigs to sing" thing. Sure it sounds like macro and bigger than we are and just a minor irritation and I agree that gov probably won't do much here. But you can't say that it doesn't affect other areas and that poor planning or lousy management may just be a necessary evil to contend with if conducting real business. Why should a person like me have to put up with threats and harassment and unpaid collection invoices because I spent several months thinking I could and should educate these pigs to sing when I hadn't surmized "lousy manager" from the get go? 18 months ago, MDH didn't have the pig suit on again yet, they were not prosecuted last time around and I checked out Real Estate businesses for info about them, not Bankcard Group that was shut down. That still makes it my fault and my responsibility and I need to learn lesson here. I am not being disrespectful of my choices and denying my vulnerability or suggesting that I have to know all things about everyone to do business. Anybody read or see The Firm by John Grisham? I'm no Tom Cruise and I am not bright enough or resourced enough to get MDH on more hidden offenses like perhaps mail fraud or IRS evasion or whatever like main character did in his "scam investigation." I can just mention trips to Caymen Islands and convertible corvettes and many LLC's created with no business plan in the same sentence that I discuss recent articles in USA today by Ken McVoy about "Inc.-ing" and moving $$ overseas easily with all the loopholes in American Business Practices. Not accusing of course but please follow the money, People. But I think that bad business and lousy managers and companies with intent to do harm stretching across several industries that I work in and in neighborhoods I live in deserve to be audited and held accountable for the lousiness. And I believe that when the pursuit of life, liberty, and happiness is compromised in a person's small business and home by threats, harassment, tortuous interference and stolen property and when unenforceable verbal and paper contracts are not held accountable, I THINK WE SHOULD DO SOMETHING ABOUT IT BESIDES BLOG, but I don't know what that should be. Intent should count. And I think the AG's should look for that, and follow the money and perhaps sic the IRS and FTC on them as well as SEC. The BBB doesn't cut it when a company is setting up new names every five minutes and what other resource does a regular person have to call up and check before they buy a home with a Real Estate Agent and good credit? But since I can almost certainly predict, like most people here reading, the Gov may not DO MUCH ELSE HERE and the private businesses obviously won't because I can't do this alone and investors won't cry foul until they are actually screwed and even then, they will get told by attorneys that they have unenforceable "contracts" so don't bother and just cut your losses, lesson hopefully learned. BS I think it is our civic responsibility to pursue tortuous interference and breaches of trust and theft and other insidious forms of daily attention torture from people that start and maintain lousy businesses in our micro-neighborhoods. I think it is messy when dealing with con-artists and never cut and dry or quick. This is why I chose "re-founding" in my name. The wisdom of crowds and the 1500 or more direct families involved with this MDH mess could actually make a difference and the government AG's could make a difference and yet they probably won't because I'm just one jaded victim sprawling out on the comfortable, grassy, sunny blogosphere because I can't personally do much else right now. Or at least I have no advice or suggestion about what to do or where to go while the AG takes their time to slap a wrist that will re-animate in a couple of years anyway, still in my neighborhood. But maybe, just maybe, the court of public opinion will get loud enough to do some serious good. I forgot in last post to mention the IRS. Who gets credit for the mortgage interest paid on buyers house that they are having mortgage paid by someone else? And if you loan money to company, then receive paycheck out of that pile of money because you are actually employed and investing and maybe your FICA is being paid for a while, you ultimately pay your own income tax on the money you loaned?? What?? Ask about the 1099's that are being sent out. Ask about the lease option agreements that are signed. Ask where the rental incomes go when one family owns two or three houses in the program because they just have good credit, not because they are earning the money made. follow the money on this bad business. That "good credit score" that the bank actually loaned out on, was in-part actually manufactured and improved individually by the poor loans that the banks are crying foul on. Any Mortgage Broker Association oversight available here? I agree "this scam" is not about the mortgages totally even though that is the first place people are blogging and addressing journalists in the papers, but following the electronic money everchanging hands is a good place to start. Anyway, happy sunday.
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10-07-2007, 01:54 PM
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Good Morning. I still enjoy the long posts. You raise a lot of good points. A couple of us mentioned the tax implications and I am surprised if they even send out 1099's. The only explanation that makes sense to me is NOBODY CARES, except a few of us here and I don't think we matter. Being a two-time loser, maybe AHW gets slapped on BOTH wrists? I think his behavior (lack of attrition, remorse) is not gonna help him in the long run. Eventually, the victims will say one of two things:
1. We were robbed and the gov't did not protect us! 2. If it wasn't for that AG hatin us, Andy woulda made us rich! On second thought, some have already said, " I took a chance and it didn't work......I'm moving on......" Last edited by Sage Griot : 10-07-2007 at 07:46 PM.
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10-07-2007, 01:57 PM
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Ok, I asked for more info on the "bigger crimes" and the "other business areas". You respond by asking a bazillion questions. I got nothing from that. Quote:
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I don't know how much of your posts I can actually read. I pretty much read this one that I am replying to, but I looked at your next one and could not make myself read through it. Please don't take this as an insult, but the way your posts dance around the topic and bring in nearly irrelevant material looks a lot like the sort of stuff that MDH puts out. My suggestion is for you to pick one small point you want make and distill the thought down to the simplest, smallest kernel of that issue. Then write one paragraph on it and see if we can understand that more clearly.
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10-07-2007, 02:27 PM
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10-07-2007, 11:50 PM
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How to guard against involvement in a scam
I think the problem with long posts is that digesting all of it and making a response to more than one or two thoughts is difficult.
Overall, the problem I see is personal responsibility for our own actions and than having the ability to make a judgement call about others based on their actions. I know that in both my personal life and my business life I always try to consider my actions in light of answering to God. Not to someone else or to the government. My personal story in a nut shell is that when I got into Real Estate, I was ecstatic that I was going into an industry that drilled into your head "The Golden Rule". We had class after class on this and than with pomp and circumstance we stood up and took a pledge of "Doing unto others as we would have them do unto us." Yes! I was going to be able to make money honestly with others working honestly! Still in each class of our continuing ed we learn some new perspective on being honest, fair, ethical and just. Than, the glasses came off. I came very close to handing in my license as a Realtor. Everyone who wants to bash Realtors, I understand. I consider it lower than a used car salesman. I have met some very honest and ethical agents, but they are few and far between. It seems that when it comes to money, the rules that are to be followed change based on the amount of money that the deal will make. After I recognized this, I changed... I changed both where I was working and how much I dealt with real estate agents. You see the responsibility was up to me. My choices were to either 1. Play ball like they do 2. Quit the team or 3. change my team. I changed my team and lowered the amount of time I would spend dealing with it. (I also will mention that during the time while my glasses were losing their rose colored tint, I did report people to the board. No one on the board found any issues with what I reported.) That is when I learned that we cannot be expecting the government to protect us from unethical people, fraud and scams like this. Though it would be nice, the government is made of flawed people also. They make mistakes, have only 24 hours in a day, are doing a job for a paycheck and have alot of ethical issues, scams and frauds to chose from to stop. We live in a very amoral society. If things are going to change, it will have to be done from the ground up. If people begin by taking personal responsibility for their choices, these frauds and scams would die on the vine. No one would work for them and on one would invest with them. In view of all of this, very humbly I would like to submit to re-founding mother, that your choices were the same as mine and everyone elses. It seems that you, of all people, should have had an inkling a long time ago that Metro Dream Homes was not investing as they said they were. I suspect that at that point, they were still paying you so it wasn't that big of an issue. Perhaps they led you to believe that they would be investing in the near future...but whatever the reason was, you justified it in your mind and continuted to do work for them. Ask yourself, if they sent you all the money they owed you in a check on July 2007, would you be posting here? Would you be trying to raise cane now? What if they came to you tomorrow, paid you and asked you for more advice, what would you say? I do not want to give the impression that the government should not be doing something. They should. Many laws were broken. Many people should go to jail and make restitution. I will still turn in to DPOR anyone that I run across who has broken the law. But we are all grown ups here and know that full justice won't happen. Here is what I wonder? How many of us are more upset that some of them (or all of them) are going to walk with maybe a slap on the wrist but still have all the money, cars, trips and memories? We are really jealous that they got the good stuff. I think that makes us just as guilty as them. The only difference is that they have more balls. Things will only change when we take personal responsibility. When we say, no matter what the cost, I will not participate in this.
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10-08-2007, 12:00 AM
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Correction
I need to correct an older post about Metro Dream Home paying the September mortgage on the 26th. I was making an assumption that when one of the investors says they are happy because "they just recieved a check for their $6,000 mortgage payment in the mail and it is in my back pocket" that Metro Dream Home sent the check. Now who else would send you a check like that except maybe your rich Grandma? Apparently, things have become more complicated (as re-founding mother noted) recently and there is another company sending out some of these payments. I only have educated guesses about this new wrinkle and will not post them. But to set the record straight, MDH did NOT pay this persons mortgage in September.
Anyone want to post about their September or October payments being made or what they have heard?
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10-08-2007, 06:22 PM
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Sorry about the long posts, but you ask the questions.
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.
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10-08-2007, 07:29 PM
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One more quick invitation...
To any of the people who invested money or houses or time working for MDH
If you want to ask Andy why hasn't he paid the legitimate bill for work he commissioned to continue the legitimate businesses that he "sold you" on to invest with him and that the SEC has said he is allowed to continue to do, when the simple act of paying that bill puts the business product profit into your hands to pay those bills that you so desperately want paid this month... with your own money. If you go to your Thursday Night meeting at the Plaza and ask for this business to be done as he said it would to pay these mortgages and meet other obligations, then you can have the help that you've already paid for but that you have been denied. My other posts, if you can get thru them, are all about helping people and exposing fraud. Please go to bat for yourselves instead of cutting your losses and being scared out of the market of making a valid living with your investment dollars. Ask to get what you paid for. Thanks. r-fm
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