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Learn What's Really Happening - Read My Video Newspaper

You and I have finally figured things out. The newspapers aren't telling you what's really happening, and this is understandable. They basically are in support of the controlling group that has devastated the United States economy. If you want any proof that you are not getting the truth from the main media, take a look at any of my videos listed below. Each of them is what the major daily newspapers should have been telling you, but were not. Accordingly, I now think of my series of videos as My Video Newspaper. If you like what you see/hear, please subscribe to my YouTube channel and tell others by giving the video a good rating (5 stars hopefully), which should encourage others to "read" my video newspaper and also learn what's going on. Also, I respond personally to all communications. Here are my videos, starting with the most recent:

35. Foreclosures: Landmark National Bank v. Kesler 9:55 [Added 9/28/09] Foreclosures: Landmark National Bank v. Kesler

Description: Discusses the implications of a landmark decision -- Landmark National Bank v. Kesler - on 8/28/09 by the Supreme Court of Kansas holding that Mortgage Electronic Registration Systems, Inc. (otherwise known as "MERS") has no standing to commence a foreclosure action as to a home mortgage registered with it, and that when MERS transfers title to the mortgage the assignee may not get good title to the mortgage, which means that the assignee also may not have standing to foreclose. This is truly a landmark case that is going to be featured in more than half of the defended foreclosures in the U.S. and is a basis for obtaining remedies for wrongful foreclosure by homeowners who have already lost their homes to unopposed judicial or non-judicial foreclosures. This decision is so important that it overwhelms anything the Obama administration or Congress may try to do for mortgage-oppressed homeowners. CEPersVid-35

34. Foreclosures: Gang-Banging the Banks 9:58 [Added 9/19/09] Foreclosures: Gang-Banging the Banks

Description: Here is a proposed solution for homeowners facing foreclosure in the non-judicial foreclosure states, such as California, Nevada, New Mexico, Massachusetts, New Hampshire, where the bank does not go into court to foreclose. My group lawsuit, to have aggrieved homeowners gang up on the errant banks (and provide an extra bang for the homeowner's buck), gives aggrieved homeowners access to the courts to fight foreclosure by reducing the costs of access (including the dollar costs and attorney time charges per homeowner); it creates a greater probability that some of the banks would rather give a modification agreement than remain in the huge lawsuit; it gives a vehicle for aggrieved homeowners to get massive publicity about their plight; and it may bring to the attention of state legislators that the state should adopt foreclosure statutes similar to New York State as a way of reducing the impact of the banks predatory activities and preventing the banks (in many cases) from obtaining the full amount of their usurious interest and fees.

33. Regulatory Reform 9:58 [Added 6/21/09] Regulatory Reform

Description: Regulatory Reform really means the reforms needed to slow down the concentration of our U.S. economy into the hands of fewer and fewer multinational corporations and their controlling individuals. Regulatory reform is needed in many areas, (a) to provide greater opportunity for individuals and small businesses; and (b) to reduce the unfair allocation of the nation's wealth to various favored groups. Although the leaders of the nation and their controlled media talk about Regulatory Reform, you can bet your last dollar nothing meaningful is going to happen at the federal and state levels. Instead, meaningful reform of our economy is going to come, if at all, from the smallest towns and villages in the U.S., where reform is still possible, and such reform (if achieved) will spread like grass roots to other towns and villages, and to counties and cities. This video tells you the regulatory reforms that are needed but will not be achieved, at the federal or state level. Many of the possible reforms for towns and villages are described in election-issues-us.com and lawmall.com. To see other videos by Carl Person, search in YouTube for Carl Person's trademark "CEPersVid".

32. Hiring an Out-of-State Lawyer 9:51 [Added 6/21/09] Hiring an Out-of-State Lawyer

Description: Lawyers are permitted to represent clients in lawsuits outside of the state in which a lawyer is licensed to practice law. This is accomplished through a "pro hac vice" motion or application [pronounced pro hock veechee], and requires the assistance of a lawyer (called "local counsel") licensed in the outside state. This video gives a short history and a brief explanation of how lawyers are being hired to represent clients in lawsuits brought in states other than the lawyer's state of licensure. I have represented clients in litigation in various states through this pro hac vice process.

31. Foreclosure Exit Strategies – Part 2 of 2 Parts 9:59 [Added 6/21/09] Foreclosure Exit Strategies - Part 2 of 2 Parts

Description: Part 2 of 2-part video. Distressed homeowners, the ones facing foreclosure, need to consider the various exit options available to them when in or facing a foreclosure action. These options depend to some extent on whether there is equity in your home or whether you want to save your home in spite of the lack of equity. The exit options (instead of letting your home go by failing to defend the foreclosure action) include (in no particular order) the timely defense of the foreclosure action together and then finding an exit from the action through a modification agreement, forbearance agreement, short sale, walk-away or abandonment, recapturing the hidden equity or other use of your home during foreclosure, paying off your credit card debt, purchasing a lower-valued home with your hidden equity, defending the action until you can sell the home to capture its present (or later) value, or until you can find the money to bring the mortgage up to date. Part 1 is my video-30. Part I provides some preliminary information a homeowner facing foreclosure needs to be able to analyze exit strategies, then lists the main exit strategies. This Part 2 provides more detail about each of the foreclosure exit strategies. You can search for my foreclosure related videos by searching for "CEPersVid" and "foreclosure".

30. Foreclosure Exit Strategies – Part 1 of 2 Parts 7:02 [Added 6/21/09] Foreclosure Exit Strategies - Part 1 of 2 Parts

Description: Distressed homeowners, the ones facing foreclosure, need to consider the various foreclosure exit options available to them when in or facing a foreclosure action. These options depend to some extent on whether there is equity in your home or whether you want to save your home in spite of the lack of equity. The exit options (instead of letting your home go by failing to defend the foreclosure action) include (in no particular order) the timely defense of the foreclosure action together and then finding an exit from the action through a modification agreement, forbearance agreement, short sale, walk-away or abandonment, recapturing the hidden equity or other use of your home during foreclosure, paying off your credit card debt, purchasing a lower-valued home with your hidden equity, defending the action until you can sell the home to capture its present (or later) value, or until you can find the money to bring the mortgage up to date. This video is Part I of a 2-part series and provides some preliminary information a homeowner facing foreclosure needs to be able to analyze exit strategies, then lists the main exit strategies. Part 2 provides more detail about each of the foreclosure exit strategies. You can search for my related videos by searching for "CEPersVid" and "foreclosure".

29. Media Censors Self-Help Prosperity Plan 9:00 [added 5/23/09] Media Censors Self-Help Prosperity Plan

Description: The major media is preventing the public from learning how to end the recession/depression. Any town or village can, through its own activities, provide a stimulus to its own local economy that will create prosperity for the residents of the town, even while residents on the other side of the town line remain in financial distress. The major media should, but does not, sift through and then publicize workable solutions to the nation’s economic problems. Instead, the major media publishes handouts by the politicians, who work for those who are not interested in curing the country’s economic evils, because they created and are prospering from such evils. Here is an opportunity for you to see how you can create prosperity for all of the residents in your town or village having a population between 5,000 and 25,000. If you agree with the plan, send a link to this video to your elected leaders (and to others who might do the same), and see if we can’t overcome political and other corruption by a program of self help, starting in small villages and towns in the United States. I am Carl E. Person, an attorney and concerned citizen, and you can see my 4-point plan at www.election-issues-us.com. Also, you should know that I am not seeking compensation for my services in bringing prosperity to your community.

28. State Bailout for Homeowners 7:53 [added 5/5/09] State Bailout for Homeowners

Description: Bailout help for the nation's homeowners is not coming from Washington. The banks have made sure of that. But, there is a way that some bailout help can be provided by State legislators. The States no longer are allowed to regulate interest rates for mortgages and credit cards. The federal government has pre-empted the States as to regulation of usury. But the States do have the power to regulate foreclosures, and the States having no laws requiring judicial foreclosure should adopt judicial-foreclosure laws right away, and require all residential homeowner foreclosures to take place in court, where the homeowner can continue to use his/her house for perhaps two years without having to make any mortgage payments, and use the money to pay off credit cards and student loans. If this were to take place, the banks would probably make reasonable modification agreements available to homeowners in distress, which the federal government was not able to enact into law because of opposition by the banks and their lobbyists (who give U.S. Senators a significant part of their campaign funds). Also, legislatures in states such as NY and FL (judicial foreclosure states) should enact more requirements to ensure that homeowners do in fact get their day in court against the banks. Finally, all states should enact amendments to the state insolvency laws to permit the Courts to adjust mortgages and use some of the equity in the home to pay off other creditors of the homeowner.

27. Take Your Hidden Equity Thru Foreclosure 6:33 [added 4/23/09] Take Your Hidden Equity Thru Foreclosure

Description: Homeowners who are in danger of losing their homes through judicial foreclosure should not forget about the equity that always exists in a mortgaged property represented by the sum of the mortgage payments that the mortgagor no longer makes while the property is in foreclosure (and for several months before and after). This is so even if the property is worth less than the amount owed to the bank. The total amount of these monthly payments to be saved can be considerable, depending on (i) the number of total number of months of non-payment of mortgage; (ii) the regular amount of the monthly mortgage payment not being paid; and (iii) the legal costs to defend the foreclosure action. Attorney Carl Person explains how homeowners can extract this remaining, hidden equity while ultimately losing their home in foreclosure, and use this hidden equity to reduce or pay off their outstanding credit card balances and stop payment of 30% credit-card interest. CEPersVid-27

26. Major Retailers Killed Themselves 9:13 [added 3/27/09] Major Retailers Killed Themselves

Description: Even the lowest-paying jobs in the U.S. are being lost, but not for reasons that you think, such as the decline in the economy. Many of these jobs are being lost because of the government’s failure to enforce federal and state laws prohibiting price discrimination. The Robinson-Patman Act prohibits price discrimination, but it is not enforced by the government, and it is too costly for impoverished companies to enforce. As a result, the largest retailer - Wal-Mart – gets larger and larger, but this does not happen for Wal-Mart’s largest competitors, who are being threatened with extinction. I explain why in this video, and show you how Wal-Mart is losing $78 billion per year at the same time!

25. Usury Killed Economy 8:50 [added 3/27/09] How Usury Killed Our Economy

Description: This edition of Video Newspaper explains how government policy of permitting pervasive usury has destroyed the U.S. economy. The usury discussed relates to credit cards and home loan mortgages, but expands the concept of usury into the excessive profitability caused by governmental non-enforcement of the nations antitrust, securities and anti-gambling laws. With such many profitable industries based on usury, the nations and world's investment capital left manufacturing and went into these usurious industries (banks, investment banking, consumer financing, home loans, credit cards, and companies with excessive profitability caused by violations of the nations antitrust, securities and anti-gambling laws), causing destruction of American manufacturing, jobs, opportunity, retirement savings and the U.S. economy.

24. Top Down Failure 6:54 Failure of Top Down Government

Description: This edition of Video Newspaper explains how "top down" government is responsible for the nation’s economic mess, with top down examples. The cure for top down evils is a bottom up or grass roots approach. The editor, attorney Carl Person, explains how his grass-roots reform program can bring prosperity to any town or village in the US. Residents of the town have the power to bring prosperity to the town, but so far no town or village in America has elected for prosperity.

23. Toxic Investors Will Foreclose 5:48 Toxic Investors Will Foreclose

Description: The U.S. Government plans to sell toxic mortgages to banks, hedge funds and others waiting to see if they are going to be held criminally liable for what they’ve done to the economy, and to guarantee them against loss. What this means for a homeowner who can’t pay his mortgage (whose mortgage therefore is a “toxic mortgage” probably being offered for sale to these toxic vultures) is that they don’t make any money unless they get it from you and/or your property. This means to me that there is going to be a wave of mortgage foreclosure proceedings that will devaste American homeowners but at the same time bring untold additional riches to the toxic investor-vultures. This video gives you some specific dollar amounts for an assumed homeowner with an outstanding principal amount of $100,000 and arrears in payment of two years.

22. Homeowner Foreclosure Action vs Bank 9:36 Homeowner Foreclosure Action vs Bank

Description: A homeowner threatened with a mortgage foreclosure can start his/her own foreclosure action against the bank. Such action if successful would foreclose the bank from foreclosing on the mortgage. A borrower's foreclosure action is more suitable in California, Nevada, Arizona, Michigan, Washington DC and other states which permit mortgage foreclosures without a court action (called "non-judicial foreclosures"). 29 states permit non-judicial foreclosures. In the other 21 states, including NY (called "judicial foreclosure states"), homeowner-borrowers usually wait for the bank to start a mortgage foreclosure action before asserting their defenses, offsets and counterclaims. This video is by attorney Carl Person who advises homeowners in various states how to oppose mortgage foreclosures.

21. Video Newspaper Offers Real News 9:01 Video Newspaper Offers Real News

Description: The major media has failed, and will continue to fail, to provide citizens with the information they need to know to be able to make informed political choices. This is part of how the rich continue to get richer, and the U.S. and its people get poorer and poorer. Antitrust and civil rights attorney Carl E. Person explains in a series of videos the real story underlying the nation’s economic problems. Now, Mr. Person realizes, these videos are in effect a Video Newspaper, providing the information needed by citizens and others to make better political decisions. Each of the videos provides a better understanding of the economic problem being discussed than you will find in any major daily newspaper, and what you will learn will surprise most viewers.

20. AIG Bonus Recovery 6:43 AIG Bonus Recovery

Description: Excessive compensation of $1.2 billion to officers and employees of AIG has injured shareholders, customers, competitors and shareholders of competitors. An involuntary filing of a bankruptcy petition by 3 creditors would be an easy way to recover the excessive compensation, as illegal preferences and/or fraudulent conveyances or as compensation based on illegal gambling contracts (i.e., derivatives and credit default swaps). A statute should be enacted as a cure for the problem of excessive compensation, permitting 3 shareholders of a corporation to file an involuntary “partial” Chapter 11 bankruptcy petition to give the Bankruptcy Court jurisdiction to determine whether illegal excess compensation was paid, and to supervise the recovery of any such illegal excess compensation.

19. Want $ Million Salary? 7:02 Want $ Million Salary?

Description: Regulation or elimination of excessive executive and salesperson compensation fails to address the real problem, which is that there is underlying illegal conduct taking place which permits if not requires the excessive compensation. Use excessive compensation as a regulatory telltale sign to direct enforcement activities by regulators and private lawsuits. This will help to end the illegal conduct by the corporation and its excessively paid law violators.

18. Jury Nullification Is a Right 7:03 Jury Nullification Is a Right

Description: Jury nullification is the one rule of law that no judge ever tells a jury about, but it enables a jury to decide a case according to what is right. Jury nullification is a Constitutional right of jurors and they cannot be punished for exercising this right. The right is an important part of the Constitutions checks and balances and needs to be known and exercised by jurors to overcome some of the major advantages the rich and powerful have created for themselves in our civil judicial system.

17. Cure for Failing Newspapers 8:15 Cure for Failing Newspapers

Description: How the nation's daily newspapers, most of which monopolize the newspaper market in their geographic area, can prevent themselves from going out of business, by providing a service which they have forgotten, or were motivated not, to provide. If a daily newspaper starts providing this forgotten service to its readers, the newspaper should be able to survive and even prosper. The problem is not Craigslist. The problem is the newspaper's relevance to its readers.

16. Public Financing of Election Campaigns 6:15 Public Financing of Election Campaigns

Description: Antitrust and civil rights attorney Carl E. Person tells you the SINGLE REFORM (public financing of federal and state election campaigns) needed in the U.S. to cure or substantially cure most of the curable problems faced by the United States, including the failing economy, increasing unemployment rate, poor schools and over-priced colleges, inadequate healthcare system, excessive mortgage foreclosure rate, trillions of dollars in wasteful pork, bailout and stimulus moneys; excessive taxes, declining opportunity for individuals and small businesses, the eroding middle class, and loss of Constitutional rights.

15A. Stimulus - Enforce Antitrust Laws - Part A 9:49 Stimulus - Enforce Antitrust Laws - Part A

15B. Stimulus - Enforce Antitrust Laws - Part B 9:12 Stimulus - Enforce Antitrust Laws - Part B

15C. Stimulus - Enforce Antitrust Laws - Part C 8:20 Stimulus - Enforce Antitrust Laws - Part C

Description:Parts A-C [3-part] video. Private antitrust attorney Carl E. Person summarizes the nation’s 4 main antitrust laws (Sherman Act, Robinson-Patman Act, Clayton Act and Federal Trade Commission Act), reads the most important operative text from each of the 4 statutes (with a link for viewers to read the text themselves), explains relevant product and service markets and relevant geographic markets, explains the injurious effects you can predict will take place when a monopoly exists, and what 6 reforms are needed as the # 1 economic Stimulus in this country, to have a return of antitrust law enforcement, to lower prices, create jobs, and prevent further destruction of the U.S. economy by monopolistic and oligopolistic forces, and loss of the Constitutional rights of citizens and others.

14. Unemployment - a Curable Economic Disease 9:15 Unemployment - a Curable Economic Disease

Description: Growing unemployment is an economic disease and is curable, when you identify and treat the causes of the disease. The public doesnt understand the causes and is led to believe that toxic investments are the main culprit. This is just a symptom, and is not the disease itself. Carl Person, an antitrust attorney, lists various symptoms of the economic disease, and then prescribes 10 treatments needed to get rid of the disease. If these treatments for the nation's unemployment problem do not take place, it can be assumed that the disease will not go away, but get worse. You are invited to analyze the 10 cures and let the author know about any treatments to add to the list.

Three-Part Video on Antitrust Law

13. Top 10 List of Needed Reforms 9:12 Top 10 List of Needed Reforms to Make Our Economy Work for the Voters and Small Businesses

Description: A list of the Top 10 Needed Reforms in the United States to prevent further loss of the rights and freedoms of individuals and small businesses, and to prevent the United States from becoming a third-world country. These reforms include (1) taxpayer campaign financing; (2) giving ballot access to independent and third-party candidates; (3) stopping $100 million mergers and breaking up companies too large to fail; (4) breaking up the main media monopoly; (5) decentralizing civil law enforcement through appointment of a new type of sheriff, who goes into court; (6) setting up $2,000/year tuition equivalency colleges for all residents of the US; (7) requiring imports to pay their fair share of the costs of maintaining the U.S. market; (8) set up a single-payer healthcare system together with fostering of an optional free-market for medical services; (9) reform of banking, credit card and securities laws (to stop gouging and to make it easier for small businesses to raise capital); and (10) court reform e.g. a paperless U.S. Supreme Court, and elimination of the federal arbitration act which deprives individuals of their Constitutional right to a jury trial.

12. Defend Foreclosure Actions! 5:16 Why You Should Defend the Foreclosure Action Brought Against You

Description: If you have failed to answer, or are considering not to answer, a mortgage foreclosure complaint and plan to let your property go by default, you should look at this video. It may help you decide what to do. There are major benefits to be obtained in defending a mortgage foreclosure action, especially when the defense is timely. The longer you wait to try to defend, the harder and more costly it is to obtain the available benefits. The benefits include continuing to live in your home or rent your property for perhaps 12 to 24 months without paying the mortgage; having enough money as a result to hire a lawyer to defend and to have money with which to settle the action with a modification agreement, if possible, and a delay enabling you to sell the property other than by distress if you can’t settle the foreclosure action. A timely defense is usually inexpensive. The lender, by reason of your defense, may incur unexpected costs of litigation equal to 40%-50% of the outstanding principal amount, lose interest during the delay, and be held back in achieving a strengthened balance sheet.

11. Business Litigation Checklist 6:13 Business Litigation Checklist

Description: Attorney Carl E. Person provides a checklist of claims or causes of action to consider when deciding to commence a lawsuit, or when preparing a complaint or counterclaim. They relate mainly to business litigation but many non-business claims are also in the list. Don’t take notes because the list is available for you to see and download at My Checklist of Claims to Review

10. Municipal Pensions - Partial Involuntary Bankruptcy 9:34 Municipal Pensions - Partial Involuntary Bankruptcy

Description: The way to solve the financial problems of the nation’s state and local governments is to enact a law permitting residents to file an involuntary petition in “partial” bankruptcy, to give the Bankruptcy Judge the authority to change payroll and pension agreements, rights and obligations as to all officials, employees and consultants of the Municipality, both past, present and future, and to make such arrangements just and equitable, so that the other residents are not taxed inequitably to pay for Municipal excesses, and so that residents do not lose needed Municipal services. The Municipality would also have the right to file, a voluntary petition.

9. Arbitration Is a Fraud! 8:10 Arbitration Is a Fraud!

Description: Arbitration is a fraud, according to attorney Carl E. Person. He explains how consumer arbitration agreements require consumers to arbitrate any disputes which deprives them of their constitutional right to be heard in a court, by a jury. The commercial or non-commercial arbitration agreements are worse because they usually require each side to pay 50% of the arbitrator's fee, which often amounts to $300 to $750/hour or $75,000 for 100 hours (@ $750) of reported effort by the arbitrator. Most individuals and small business cannot afford to pay an arbitrator $37,500 to resolve a dispute, which means that commercial arbitration agreements not only deprive small business and individuals of a jury trial but they deprive them of the right to obtain any remedy at all. Attorney Person discusses possible ways to get around some of these problems if you are stuck with arbitration.

8. Stimulus to Create Prosperity for Towns 6:57 Stimulus to Create Prosperity for Towns>

Description: How any town, village or small city in the U.S. can create prosperity for its residents through implementing a FREE, 4-part prosperity program including (1) setting up a 4-year equivalency college ($2,000/year tuition) for residents to provide them with the technical and small-business skills now needed to compete; (2) encouraging residents in need of work and income to register in my task marketplace and list hundreds of keyword tasks each resident can provide (e.g., tutor quantum mechanics, mow lawns, repair 1959 Pontiac carburetor, MS Word mail-merge instruction, replace dashboard bulbs), with the town then marketing the website to the 25-mile radius surrounding the town to encourage others to buy the offered services (expected income of $100-$200/day per participant); (3) appointing and training a town attorney general to enforce the rights of residents at government expense and no longer suffer from the failure of federal and state governments to enforce your rights; and (4) setting up an area-wide payroll administrator (similar to an office temp agency) to be the employer of record for area small businesses and households hiring domestic help, to create substantial savings of time and money for the small businesses and encourage them to do more hiring.

7. A Task Market Can Create Jobs at $100/Each 9:42, 6:50

Part A Part A – A Task Market Can Create Jobs at $100/Each

Part B Part B – A Task Market Can Create Jobs at $100/Each

Description: A 2-Part video on how a town, village or small city can create work for its residents at a cost of about $100 per "job", through signing up residents to a free task marketplace website, going door to door to solicit participants, and then advertising the availability of such task performers to the 25-mile radius around the town (using low-cost local advertising), with participants expected to earn about $100 to $200 per day or $25,000 to $50,000 per year as newly-created small businesspersons and independent contractors - all this without federal stimulus subsidies, which is truly a shame. The task marketplace is the obvious successor to the diminishing jobs marketplace, according to the video's author, an antitrust lawyer.

6. Stimulus Needs Area-Wide Payroll Administrator [9:48] Stimulus Needs Area-Wide Payroll Administrator

Description: A local government can create prosperity for its residents and small businesses by making several important, but low-cost changes. One of these changes is to create an area-wide payroll administrator to administer the payrolls for the area's small businesses and also any households hiring domestics (such as babysitters and gardeners). Because of the savings of time and money for the area's small businesses, the area can expect an increase of about 10% in employment as a result. Also, the owners of the businesses will be better able to build up Social Security benefits for themselves which many small business owners forfeit by not having any payroll, because of the burdens on small business of starting up and then stopping payroll when financial conditions of the business require.

5. Employee PR Taxes: 1st 3 Are Free! 8:32 Employee PR Taxes: 1st 3 Are Free!

Description: A federal legislative proposal I call "The First 3 Are Free" to eliminate all federal and state regulation (including payroll taxes, OSHA, insurance, reports) as to the first three employees of any business (other than its owners or relatives) even as to large corporations, which would create 10,000,000 new jobs in the U.S. by eliminating regulatory burdens on the smallest businesses and encourage them to hire 1 to 3 employees; with the government having an option to require the exempt employees to file paperwork and pay taxes at the local Post Office at federal expense, thus transferring the burden of excessive federal regulation upon the federal government

4. Stimulus Needs Town Attorneys General 5:57 Stimulus Needs Town Attorneys General

Description: The national economic crisis was caused by failure of the federal and state governments to enforce various federal and state laws. Crisis could have been averted if 40,000 local governments had appointed and used their own attorneys general (for which they already have the legal authority). The "town attorney general" is needed today to enforce these laws, such as securities, banking, insurance , antitrust and employment, taking over the responsibility from the FTC, Justice Department, federal and state attorneys general, EEOC, banking and market regulators and other state and federal agencies. The proceeds from town attorney general lawsuits, as the recovery of moneys stolen from residents and businesses in the town, could be used to provide healthcare and employment for the residents of the town.

3. Defending a Frivolous Trademark Infringement Action 7:42 Defending a Frivolous Trademark Infringement Action

Description: A wave of trademark infringement bounty-type actions has started because of the $1,000,000 in statutory damages without any need to show actual damages; this has encouraged lawyers to create infringement lawsuits by hiring investigators and paralegals to find possible infringers for the attorney to first demand money (such as $5,000, $10,000 or $15,000), and if not paid, then to sue for $1,000,000 or more. Defendants believe the demands and lawsuits are illegal, unethical and frivolous, the courts have not agreed to this characterization so far.

2. Stop Paying Your Mortgage! 9:13 Stop Paying Your Mortgage!

Description: Why a homeowner or other mortgagor in NY and other judicial-foreclosure states should stop paying the mortgage if financial difficulty is expected in 6 months, invite a foreclosure action, defend the action timely and vigorously (at low cost), and use the extended time to obtain a reasonable modification agreement or find a buyer to get any of your equity out of the property (by not having to sell at a distress sale).

1. Low-Tuition Equivalency College 7:22 Low-Tuition Equivalency College

Description: How any town, village or small city can start up (in 2 months and at no cost) a 4-year equivalency college for its area residents, with tuition ranging from zero to $2,000 per year per student.

rev. 3/28/09 11:54 am