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Eric Brown
Works at Mortgage Relief Solutions Inc. - We provide a viable option for the homeowner and investor alike who have exhausted all other options. We take over houses and mortgage payments. http://www.MortgageReliefSolutions.com
Attends Mortgage Relief Solutions - www.MortgageReliefSolutions.com
Lives in Tempe, Arizona
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Over the last year the music industry has been in flux as artists, labels, and streaming services jockey over the best way to build the future of their business. Taylor Swift pulled her catalog...
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Good Afternoon,

My name is Theren Albritton and I'm an Entrepreneur of 30+ years.  I'm writing you from Virginia Beach, Virginia.  I need your advice and contacts in several areas.  Specifically I need to speak with the following professional(s) as soon as possible.  I'm seeking an Entertainment attorney, Law Firm, or Agent that represents musical service brokers,  musicians, music publishers, songwriters, record producers, independent distributors, independent record labels, executives, sound engineers, television producers, etc.
Our team of music brokers would like to form a independent  short or long-term contractual agreement with a global marketing and distribution company (ex.), Apple Music, Warner Music Group, Sony BMG, or Sony Music Entertainment.  We presently administer our musical services division from our Southeast VA & NC Based home office location.  This market, as you know, is a vital market and has produced the likes of Pharrell Williams, Timbaland, Missy Elliott, Magoo, Teddy Riley, and a host of other "World Class", internationally recognized performing artists and producers.

As musicians and as a music production and songwriting team of 30+ years experience, we have our finger on the pulse of the "Next Generation".  We won't stop until the infrastructure for aspiring musicians and performers is successfully built to support our diverse and highly talented pool of talent throughout the Southeastern Market and the Mid-Atlantic Region.

We present to you "A Regeneration of the Arts and Humanities" Trade Marked and originated by Theren Albritton. (All rights reserved.)  This multi genre movement starts right here with Albritton & Associates Musical Services.  Feel free to call or text Theren Albritton at 757-288-2997 or at 1-866-229=7048 or email theren.albritton74@gmail.com. Thank you in advance.  Let's Get It Done Together!

Respectfully,
Theren R. Albritton, T. Ray Albritton  (Ray)
c: 757-288-2997
theren.albritton74@gmail.com

For confidential business or personal inquiries feel free to call, leave a voice mail, text at 757-288-2997, or email me at my personal email: theren.albritton74@gmail.com.
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Eric Brown

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Gold M9
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مساء الخير كل عام وانتم بخير لحلول عيد القيامة المجيد وندعوا الله ان يكون عيد سعيد لكل الناس وشكرا
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Good opinion piece on strategic default, asset backed loans and signature loans.

Lender’s fear of strategic default will prevent future housing bubbles

Borrowers have moral responsibility to default on loans where the payment on an amortizing mortgage exceeds the cost of a comparable rental.

The fear of strategic default is a necessary deterrent to foolish lending. Without it, lenders are emboldened to make all manner of bad loans because they believe they will get paid back. Have you noticed the explosion of dodgy subprime auto loans that proliferated when automatic shutoff systems were installed? Lenders will make nearly any loan if they believe they will get their money back with interest. It’s only when they feel they won’t get repaid are they prompted to loan responsibly.

Signatory versus asset-backed debt
Some have questioned how I can be so against debt, yet I leveraged up to the max to buy cashflow properties in Las Vegas. Isn’t that being hypocritical?

No. Not all debt is created equal. The debt I took on is backed by a cashflow-producing asset. The income stream is being used to repay the debt with interest, and if for some reason I am unwilling to pay back the loan, the lender can take back the property and obtain a cashflow equal to or greater than the payment on the debt. That is asset-backed debt.

I had the good fortune to meet a gentlemen who provides asset-backed debt from a major lender. His company provides debt for property, plant, and equipment to other major corporations. When he analyzes the collateral for a loan, he considers it’s useful life, the recovery and resale value, and the cashflow the asset may generate (if any). He assumes the debtor’s word means nothing and any recovery of capital will come solely from the collateral pledged to cover the loan. In his world, there is no signatory assurance of repayment. There is only collateral repossession, cashflow, and resale.

Asset-backed debt is essential to the functioning of our economic system. Many businesses could not raise the equity to obtain the property or equipment necessary to it’s operations. Lenders can loan against working capital at very low rates with little risk. If businesses have their money freed up to grow the business, our economy grows and prospers. In short, asset-backed debt is useful and freeing.

On the other hand, signatory debt is slavery. Signatory debt is money given to a borrower simply based on the borrower’s promise to repay. It has nothing to do with an asset, and if the borrower chooses not to repay, recovering signatory debt can be very difficult because it is not backed by tangible collateral.

Signatory debt provides no useful purpose. It provides a short-term economic boost as demand is pulled forward, but once it is consumed, money that would ordinarily have been spent by the borrower on consumer goods is instead diverted to the lender for debt service. It’s only when signatory debt is expanding that the economy is stimulated, and the expansion of signatory debt is a Ponzi scheme.

Signatory debt creates Ponzis
The problem with signatory debt is simple: people don’t want to keep their promise to repay when it is inconvenient. Ponzis live to consume. They will take money under any terms offered, and when it comes time to pay the bills, they will seek more borrowed money to keep the system going. Borrowing money to repay debt is the essence of Ponzi living.

Ponzis will inevitably spring from signatory debt. Not everyone who borrows with no collateral is a Ponzi, but Ponzis could not exist without signatory debt. The losses created by Ponzis are the only deterrent from lenders giving out free money. In our current home mortgage lending system backed by the government, without strict controls, Ponzi borrowing with home loans is inevitable.

Conflating asset-backed debt and signatory debt
Lenders are keen to conflate the distinction between asset-backed debt and signatory debt by over-loaning on assets. The housing bubble is a classic example, but lenders do this with car loans, commercial loans, and personal property loans.

A home loan has a component of asset-backed debt. The portion of the cost of ownership (payment, interest, taxes, insurance, HOA) equal to rental is asset-backed. If the loan balance is limited the size supportable at rental parity, the property could be rented for an income stream capable of sustaining the debt service.

However, once the cost of ownership exceeds the cost of a comparable rental, the only assurance the lender has of getting repaid is based on the signatory promise of the borrower. Therefore, the loan is part asset-backed and part signatory. When lenders cross the line from asset-backed to signatory debt, they turn good debt into evil debt and inflate asset bubbles. Lenders did this in both the residential and the commercial real estate markets during the 00s.

Once lenders cross the line from asset-backed debt to signatory debt, they are inflating an unsustainable Ponzi scheme. Inevitably, prices will crash back to asset-backed levels determined by rental parity. it’s not a matter of if, only when. We saw this play out across America with the deflation of the housing bubble.

Strategic default is moral imperative
Lenders attempted to enslave an entire generation. They issued copious amounts of signatory debt to borrowers who only intended to repay that debt if house prices went up. Lenders created the Ponzis I profiled on a daily basis for several years

Strategic default has been portrayed as immoral by lenders. This is wrong. Lenders were immoral when they abdicated their responsibility to sound lending practices that ensured their borrowers could remain solvent. It is outrageous after such irresponsible lender behavior that lenders have the nerve to chastise borrowers for being immoral when borrowers fail to repay their debts.

Borrowers have moral responsibility to default on loans where the payment on an amortizing mortgage exceeds the cost of a comparable rental.

If borrowers don’t default, if lenders are given a free pass to make another generation insolvent, then we have failed our children. We are sentencing them to live in a world where lenders enslave them through excessive mortgage payments to afford properties comparable to rentals.

Without the fear of strategic default, lenders will conflate asset-backed debt and signatory debt again. Lenders will inflate future housing bubbles, and our children will be faced with the decision to own something far less desirable than what they can rent or sentence themselves to a lifetime of debt servitude.

The next time you read or hear that borrowers who default are being immoral, ask yourself who is really being immoral, the lender or the borrower. In my opinion, it is the lenders who were immoral when they inflated the housing bubble and over-burdened borrowers. The borrower who strategically defaults is behaving morally by doing what’s best for their family.

Source: http://ochousingnews.com/blog/lenders-fear-strategic-default-will-prevent-future-housing-bubbles/#ixzz3MHadFjbs

Mortgage Relief Solutions...We take over upside down or underwater mortgages and homes...You move on. http://www.MortgageReliefSolutions.com

#strategicdefault   #underwatermortgage  #upsidedownmortgage
#Mortgagereliefsolutions
Borrowers have moral responsibility to default on loans where the payment on an amortizing mortgage exceeds the cost of a comparable rental.
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American homeowners still drowning in mortgage debt

http://flip.it/l780M
Half of Americans with ‘underwater’ mortgages are under by more than 20%.
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صباح الخير فرات الترجمة وهو نفس الوضع فى مصر وشكرا
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There is a lot of outdated information of the web about SEO so Wildshark have put together 100 SEO tips for the modern marketer. Read them now.
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Is there an Upside to an upside down mortgage? Yes. Mortgage Relief Solutions. We talk to countless people who contact us each week. Each one has a situation. Some are unique and some are not so unique. However there is a common problem that they all have. ...
Is there an Upside to an upside down mortgage? Yes. Mortgage Relief Solutions. We talk to countless people who contact us each week. Each one has a situation. Some are unique and some are not so unique. However there is a com...
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Do not panic
But you should be aware. There was an official announcement about this, although it was presented as an opportunity for people to view your photos. Unfortunately it's opt-out rather than opt-in. And I really dislike opt-out.
To opt out go to plus.google.com/settings under photos and videos section.
Before you start getting agitated read this
https://support.google.com/plus/answer/6129464
you will find out that most of your photos don't qualify.
#backgroundpictures   #googleplusphotos  
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Local SEO is becoming more important for every business -- even national chains! Here's why, and how to optimize. http://ow.ly/F1P7X
Local SEO is a highly targeted, niche strategy that every entrepreneur can -- and should -- be thinking about.
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Work
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Serial Entrepreneur, Zagat Business Reviewer, Yelp Business Reviewer, Promoter, "Subject To" Real Estate Investor (www.TheRealEstateInvestorsAcademy.com) & Social Media Marketer & Phoenix SEO Specialist, Phoenix SEO Consultant, (www.DigitalSEOStrategy.com) - Operations Manager, Rent With a Plan (www.RentWithaPlan.com)
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"Subject To" Real Estate Investing, Internet Marketing
Employment
  • Mortgage Relief Solutions Inc. - We provide a viable option for the homeowner and investor alike who have exhausted all other options. We take over houses and mortgage payments. http://www.MortgageReliefSolutions.com
    Marketing Director & Acquisitions, present
  • Rent With A Plan Inc.
    Operations Manager, present
  • The Real Estate Investors Academy - We show how to acquire properties via "Subject To".Real Estate Investing http://www.TheRealEstateInvestorsAcademy.com
    Private Real Estate Investor - Subject To The Existing Mortgage, present
  • Digital SEO Strategy - http://www.DigitalSEOStrategy.com
    Social Media Marketer & SEO Specialist, present
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Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Tempe, Arizona
Previously
Phoenix, AZ - Brooklyn, NY - Queens, NY - Harlem, NY - Boston, MA - Tempe, AZ
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480-525-2948
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Serial Entrepreneur, "Subject To" Real Estate Investor, Zagat Business Reviewer, Yelp Business Reviewer, Inbound Marketer & Social Media Marketer & SEO Specialist, Phoenix Real Estate SEO Consultant, Father. "Don't let things happen to you...Make them Happen for you!'
Introduction
*Private Real Estate Investors - Mortgage Relief Solutions Inc, We assist homeowners who are seeking to "walk away" from their property (strategic defaults) and other circumstances (economic defaults) such as imminent foreclosure, unemployment, loss of income, unaffordable mortgage payments, "underwater" or "upside down" situations or for whatever reason, the right way.   The Alternative To Strategic Default or Economic Default today.

Click here to read more ---->Make it a Strategic Default...not disastrous - If your'e gonna walk away...walk away right! See Mortgage Relief Solutions Inc. We take over mortgage payments & you move on. www.MortgageReliefSolutions.co​​​​​​m  (602) 753-7828

Looking for an Upside Down Mortgage Solution? <-click here







Operating Manager - Rent With A Plan - "Dont just rent...Rent With A Plan! Rent To Own A Home. We help Renters become Homeowners. (602) 368-5704

Private Real Estate Investor
*I also instruct/teach how to acquire properties "subject to" the existing mortgage or financing....the right way, since 2001.  
(602) 753-8775


ZAGAT Business Reviewer

YELP Business Reviewer


**I'm also a Social Media Marketer & Phoenix SEO Specialist with Digital SEO Strategy offering simple Inbound Marketing solutions for top ranking in local search for businesses. 
Bragging rights
Born and raised in Brooklyn, NY AND survived! Currently living in Arizona. I'm still alive!... I don't die... I multiply.... ;- ) And there's only 1 Me on the planet, so I guess I'm an endangered Species!
Education
  • Mortgage Relief Solutions - www.MortgageReliefSolutions.com
    Real Estate Investing via "Subject To", 2001 - present
  • Digital SEO Strategy - www.DigitalSEOStrategy.com
    Phoenix SEO Specialist & Social Media Marketer, 2005 - present
  • The Real Estate Investors Academy - www.TheRealEstateInvestorsAcademy.com
    "Subject To" Real Estate Investing, 2001 - 2014
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Social Media Marketer, Phoenix SEO Specialist, Phoenix SEO Consultant, Subject To Real Estate Investor, Don Dadda, Real Estate SEO
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Mortgage Relief Solutions
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We take over upside down or underwater mortgage payments and houses. We take over...You move on. Mortgage Relief Solutions has a mortgage re

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Is Strategic Default really strategic?
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There's an alternative to strategic default. Mortgage Relief Solutions' Mortgage Relief Program. An alternative to strategic default.

Upside Down or Underwater - How to walk away from your mortgage and survive
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Upside Down or Underwater Mortgage/Home- How to "walk away" from a mortgage and survive... NOT walk away and foreclose... Here we are in the

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If you are keen to use social media for marketing then Google+ will connect you to the right people with whom you want to build relationship

MORTGAGE RELIEF SOLUTIONS (add us!)
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Mortgage Relief - We Take Over Mortgage Payments &amp; Houses via The Mortgage Relief Program - The Alternative To Strategic Default, Short Sale of your home or Walking Away From Your Mortgage. We Take Over Upside Down Mortgage Payments &amp; Houses, We Take Over Non Assumable Mortgages and Loans Too! We Take Over Underwater Homes, We Take Over...You Move On... See our Mortgage Relief Program at http://www.MortgageReliefSolutions.com

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Overall food was very good. Generous portions and tasty. Rather quick service too. Very busy for a midweek (Wednesday). I'd come again for special occasions only though...pricey
Food: Very GoodDecor: Very GoodService: Good
Public - 2 years ago
reviewed 2 years ago
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