Monthly Archives: March 2020

FORECLOSURES ARE THE LEAST OF OUR WORRIES …

(BREAKING NEWS — OP-ED) — April 1, 2020 … this is NOT an April Fool’s joke!

This is a short post.  If you want to hear the full story, tune into City Spotlight-Special Edition (with this poster) on Friday at 6 p.m. EDT on kdwradio.com! I will talk about securitization and how it relates to how the government and the banks are going to cope with the spate of foreclosures that are being held off temporarily but will soon come gushing out of the economy like a spigot under pressure! 

The State of Florida has been bypassing every other state in the U.S. in reported coronavirus cases except for California and New York.  Imagine the number of U.S. citizens dead at 240,000+? THAT figure was just released by the White House as to an estimate of how many this virus is going to kill. 

Florida is dealing with 6,955 cases (6,694 testing positive) of which 890 are in the hospital and 87 people have died as of the latest reporting period. In the U.S., there are 163,539 reported cases and 2,860 deaths (not updated, but as of the latest CDC counting period). We do not know if these figures are totally accurate, but they are close. 

The State of Florida has still not decided as to whether to “lock down” the state with “stay-at-home” orders.  As I previously stated, the death toll in Florida will be into the hundreds before this pandemic ends here. The author of this post believes the “lockdown” will not be done statewide because all of the counties in the state (of which there are 67) are NOT reporting any outbreaks or COVID-19 cases, so why penalize the entire state yet?) are not affected.

Plan on staying in isolation until at least the end of May if not later. The curve is not going to flatten out anytime soon because the majority don’t want to behave and act responsibly.  Soon, it will not be safe to even go grocery shopping, as store employees are reportedly now starting to be infected and it’s unknown where the vectors are coming from that contaminated them.

The most important thing to remember, in any State of the Union, is that the more you are out in the public, the more at risk you are.  You are less likely to get COVID-19 if you simply limit your exposure to the following:

  1. Grocery shopping with surgical (or something closely resembling) gloves on and a mask;
  2. Using drive-through services at banks and restaurants that are doing such services;
  3. Dropping mail off at mailboxes instead of going inside of the post office (you should NOT necessarily have to be mailing off packages right now); 
  4. Communicating with people by phone BEFORE you stop by to see HOW LONG they have been in isolation BEFORE you knock on their door.  They may be a vector and you wouldn’t know it until much later; and
  5. Parks and other public places that contain lots of surfaces that you could inadvertently come in contact with.  

There are medical personnel traveling to New York at the urgent pleas of Governor Andrew Cuomo whose brother Chris just contracted coronavirus.  

God be with those workers and keep them safe. 

I am working on a post now that contains two new legal cases from the appellate courts that may be of interest to those who are fighting foreclosures.

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FORECLOSURES HAVE BEEN DELAYED BY GOVERNMENT ORDER! BUT …

(BREAKING NEWS – OP-ED) — This post is in response to those who don’t think I’m preaching enough about foreclosures when they can go elsewhere to get news about the coronavirus.  I get it.  We’re all in a state of panic about something, right?  Do you really think the government wants you out on the street right now? 

WE HAVE TO BITCH ABOUT SOMETHING

No one wants to contract COVID-19 because of being evicted and forced out onto the street where you might come in contact with a “vector”.  You might then become a “vector”, despite showing symptoms.  The government has put forward a “new system” now because its medical system doesn’t have enough ventilators.  If you have an elderly disease like dementia, or autism, or some other paralytic condition, you are moved to the bottom of the list. If this pandemic is to teach us anything, is that America’s medical system was and still is not prepared for anything of this magnitude.  If you’ve got Netflix, watch “The Day After Tomorrow” and you’ll see what happens when people “ignore the signs”.  

Like I said previously, people can react before the government does. They saw the virus coming.  They ignored it. The spring break kids ignored it and they too knew it was there.  They put themselves at risk.

Foreclosures are no different.  We see the signs.  We see when it’s coming. Most of the time we are in denial that this could ever happen to us.  Well, it does … everyday.  This is why I did a strategic default and wrote a book about it back in 2003. I could care less if you buy that book or not, so I’m not even going to mention the title of it here. It’s irrelevant. 

DO YOU REALLY WANT TO SEE MARTIAL LAW IN AMERICA?

A lot of people are using this crisis to do a lot of finger pointing, blaming Trump or someone for this mess.  None of this will do you any good.  Further, there are those out there that think Trump has a duty to “lock down America”.  I think most of your don’t understand what martial law is and what could potentially happen to you as part of the grander scheme.  Imagine being locked up in a FEMA camp with all of the illegal immigrants, only to find out that half of them have coronavirus and they’re all dropping dead like flies. This is why they have mass crematoriums in America on standby.  So, go ahead, push the envelope. 

Martial law means the military takes over and the Constitution as we know it is suspended.  The shadow government kicks in.  Curfews are put into place.  The shadow government takes over the airwaves and the networks and tells the American public what it’s citizens are expected to do and what happens if they don’t obey orders.  Shoot on sight orders will be implemented.  Dissidents who are considered “sovereigns” and “troublemakers” and “religious zealots” could be “rounded up” and disposed of.  Perhaps you’re not aware of Operation Garden Plot.  When insurrections happened as the result of Hurricane Katrina, Blackwater was sent in to “control” the situation and people were shot to death in New Orleans (with no consequence).  You should understand the reason Blackwater was sent in because the government can’t be held responsible for the actions of “independent contractors”.  People were looting and stealing TV’s out of store windows when there was no electricity to begin with.  Peace was restored, but at a cost. 

MORATORIUM ON FORECLOSURES

In what appears to be a knee-jerk reaction to the coronavirus issue, HUD did in fact issue a moratorium on foreclosures and evictions for the next two months for single-family homeowners who are unable to pay their FHA-backed mortgages.  This includes those who have their mortgages parked with Fannie Mae or Freddie Mac.  You can go to their individual websites and do a “loan look-up” to see if either GSE claims to “own your loan” and you’ll know whether you fit into this “moratorium”. 

Remember, I previously told you that the government is in bed with the banks vis a vis 12 U.S.C. … so, what would you expect in light of an economic shutdown?  Despite the fact HUD Secretary Ben Carson stated that this will “provide homeowners with some peace of mind during these trying times”, this does not discount the fact that when this is over, if you haven’t thought up a Plan B, they’re still going to come after your home. 

As to other lenders, we are aware here that Bank of America also said it would work with homeowners to grant forbearances on their loans for the time being.  Any other conventional or HELOC loans should be considered to still be volatile unless you can reach your mortgage loan servicer and work something out for the short term.  

You should also check with the State you live in as many of the governors (like Tennessee and Wisconsin) have ordered moratoriums on foreclosures and evictions due to the coronavirus outbreak.  We sure wouldn’t want any pissed off homeowners to go and contract coronavirus and go around walking into police departments, government buildings, showing up in politicians’ offices and other public places where politicians hang out and seek revenge by invading their social spaces and coughing all over them with the intention of spreading the virus now, would we?  That’s exactly what the manufacturer of the coronavirus wants you to do!  You can check on this, but we believe there may be a patent on this virus! 

The U.S. government wants this pandemic contained, even though there are many out there that feel this was “manufactured” for the purposes of population control or to deliberately wreck our economy so the government could step in and control us all.  All of the conspiracy theorists have something to say about it. Despite what some of you may think, the government does not want all of its citizens annihilated because it would create an all-out Civil War on American soil.  This pandemic, if not carefully controlled, could end up creating a scenario that could cause enough of an insurrection to bring this country to the brink of such a thing. 

GET A GRIP!

To many of you out there facing foreclosure, the fact that 63 people in Florida (where I’m at right now) have died of the virus as officials there deal with 5,276 cases and 652 hospitalizations under a strained health care system, doesn’t matter.  The scenario looks bleak in light of the fact most municipalities have told you to stay at home.  Of course you’re bored.  If you’re sheltering at home, right now, it’s the only thing you’ve got, keeping a roof over your head. Keep in mind that a lot of people out there are also very disgruntled and think this whole coronavirus “thing” is overblown and that it just gave people an excuse to be selfish and horde toilet paper and disinfectants.  I keep wondering when Ireland Tate is going to die of coronavirus after she went to spring break because she’s “entitled” to do whatever the f**k she wants to and screw everyone else.  She wasn’t worried about getting it and now she’s got it. God knows how many people she gave the virus to.  Colorado’s Governor made a statement (he got it from somewhere) that it’s logical to believe that a “vector” could give the virus to at least 4 individuals before being identified.  I think that figure is much larger.  Don’t fool yourselves.  This thing is bigger than the foreclosure crisis because you’re potentially dead within a month and that’s more time than it takes to steal the average American’s home through a foreclosure action.  In other words, if you have to be put on a ventilator, chances are, you’re f**ked!  If the entire family is infected, the foreclosure won’t matter.

I’M A REALIST, NOT A DOOMSAYER!

I’m not trying to preach doom and gloom here and I’m certainly not trying to be insolent or insensitive, but you should be cognizant of the fact that I have changed direction on the way I view foreclosures. The banks are just as worried about foreclosures as well, depending on how you approach them.  If it was me, I’d be using this crisis to your advantage and attempt to negotiate new payment terms after this virus pandemic ends because the banks do not want to face massive foreclosure cases again like they did in 2009 because it brought government scrutiny.  Congress didn’t pass a stimulus package to see the banks f**k things up.  The banks are in bed with the government. They bankroll politicians’ election campaigns and by God, these banks will answer to someone if they do to homeowners what they did after the 2008 financial collapse.  However, if YOU attempt to contact your politician seeking help … guess what?  They’re indebted to the banks for bankrolling their campaigns.  If it’s not the banks funding the politicians, it’s the foreclosure mill law firms who want business as usual.   Foreclosure mill law firms take the very judges to lunch that later allow your homes to be taken.  How much more corrupt does the American judicial system have to get before people wake up and this country suffers a meltdown?  This too, the Government does not want and will go to certain lengths to stop it from happening. 

THOSE F**CKING PHONY ASSIGNMENTS

I have had it up to “here” with people walking into court screaming about how their assignments are fraudulent with no proof or proper procedure in vetting WHY they are fraudulent.  It’s even worse when they send me an email about it, yet can’t tell me exactly WHY they have a case. The judges aren’t listening because they have MERS mortgages too and they’re not about to unravel their own life for the sake of saving your asses! Welcome to America folks … land of the fee and home of the slave.  With things as bad as we seem to think they are, it’s a wonder why so many are escaping Mexico to come here.  If all of the Mexicans knew they were going to end up in a concentration camp and die of coronavirus, they might think twice about sneaking into America.  The same goes for New York, New Jersey, Connecticut and Louisiana, whose residents were banned from coming to Florida to escape their pandemic hells.  They call it “shelter in place” or “stay in place” for a reason.  What does this have to do with assignments, you’re thinking?

THE INTERNET IS A DANGEROUS PLACE

People use the internet to create panic, whether it’s because they’re upset with themselves as to how they got into this foreclosure mess in the first place or because they’ve been convinced that the bank screwed them somehow and they deserve a free house because of it.  This is why I previously posted stuff on this blog about cancellation and expungement actions.  Yet … people still choose to ignore what the chain of title says and would rather just stop making mortgage payments and wait for the sheriff to toss them to the curb. They have no Plan B.  There are investors out there that could buy your house and give you enough “moving money” to effectuate Plan B. No one thinks about that.  No one thinks about how they could institute change BEFORE the problem happens.  They just think the government should do something to help them.  It’s like you’re in the ocean and a riptide pulls you under but the lifeguard isn’t coming because the water is infested with sharks. The signs were there that there are probable riptides, but like spring breakers, the signs were ignored.  This coronavirus operates in tandem with foreclosures, because of what it has done economically to the state of the economy and to those already in peril. 

WE ARE NOT A “NANNY STATE”

I’m here to tell you that’s not going to happen as the government is NOT in the business of saving or rescuing homeowners in that fashion. They’ll cut you some slack (like they have here), but it’s not going to last forever, which I why I pontificate Plan B … come up with one and do it soon.  If it means you should relocate to find new work (and maybe even better work) … then do it:

  1. Research LinkedIn and other such services to see what kinds of jobs are out there.
  2. You may be limited to certain jobs, especially if they pull your credit and see you’re in trouble with your mortgage.  This issue runs full circle  which is why the government told the banks not to “stain” consumer credit reports during the crisis; however, it doesn’t mean the damage was on your credit report beforehand because you have/had a history of not making your mortgage payments.
  3. There are no handouts in foreclosure.  Foreclosures cost money, especially when attorneys get involved and many of them aren’t smart enough to do anything but delay (buy you time) so you can figure out what your “end game” is.  Most attorneys want to know that before they take your hard-earned money.
  4. Look at what it will cost you to defend your foreclosure.  One couple in California spent over $100,000 over 10 years fighting to stay in their home and the battle has ended for them. They were able to delay the foreclosure for 10 years, but look what it cost them in attorney’s fees to play the “delay game”.  This is not worth the time and trouble when it’s so much easier to plan a different strategy and focus your resources on it while you have this “grace period”.  I could have bought at least 2 houses with that $100,000 and rented one out to pay the mortgage on the other one.  

People are just stressed out so much, not just about the foreclosure, but survival from this virus as well. 

That’s my bottom line here.  Those who are in foreclosure now should be glad this pandemic came along. They are most certainly interrelated if not coincidental.  I know you probably wish the people directly involved in the foreclosure of your home would get coronavirus and die.  Maybe they will … the way America is acting right now.  Being cooped up is no fun, is it?  Again, use the time to your advantage and think PLAN B.

If you don’t, you could become the next victim, so … I can’t just ignore the coronavirus for the sake of foreclosure issues. This pandemic is affecting those who aren’t in foreclosure, but could be if their breadwinner dies of coronavirus. This virus has the effect of a rattlesnake bite, except there’s no antivenin.

Stay safe and healthy. Stay home.  We can survive this thing.

For those of you who want to build up your body’s immune system, visit allimax.us

 

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THIS MAY BE CREEPY … BUT …

(BREAKING NEWS — OP-ED) — March 27, 2020 @ 8:05 p.m. EDT (by Dave Krieger, poster)

This just in off of CITampa.com … this is a map of one Fort Lauderdale beach in Florida during spring break:

Using a tracking software, one company was able to discern where all of the partiers who may have been exposed to coronavirus traveled after they left Florida.  If this doesn’t scare the shit out of you, nothing will.

To watch the video, click on the link HERE!  Scroll down to the Twitter feed and activate the video with your sound on.  Yeah, it’s creepy how they can track your smartphone.  It’s also freaky because of the number of spring break students that don’t give a shit about anyone but themselves … and they knew the coronavirus was out there when they went to Florida!  In fact, one girl, 21-year-old Ireland Tate from Nashville ignored the distance rule and even bragged about it.  Now she has the coronavirus! SEE HERE!

The arrogance of it all.

In the meantime, the two cruise ships with sick coronavirus-infested crew on them just landed in Miami with 4 dead on board and another 168 afflicted with the virus.  

 

The area of Florida I’m in just got its first 2 cases of confirmed coronavirus and one Sarasota County Firefighter has just been confirmed as well.  Three other firefighters are in quarantine as a precaution. 

FLORIDA CASE REPORT

As of the time of this update, the number of Florida cases rose to 3,763, with 54 deaths and 526 people hospitalized.  Statistically, this represents about .014% of those infected, which is a fractional percentage uptick; however, it does not tell us how many people are infected and don’t know it yet, which is why states are putting their citizens on lockdown and only allowing essential services to operate. Florida is not one of them yet.  Rather than implement a statewide lockdown, Governor Ron DeSantis is allowing the counties to decide whether the pandemic in their own region is worthy of containment to the point of telling residents to stay home. 

Meanwhile, those business in Florida who are in need of assistance due to business losses can contact R. J. Malloy at WKDW-FM Radio (an agent for the SBA for the small business loans) at (941) 564-8739 and he can help you apply for low-cost emergency funds.   Since all 67 counties have been declared a disaster area, emergency assistance from the SBA can now be applied for. 

Broward County, in the center of South Florida, has recorded 10 deaths so far (of the 46 statewide totals). Keep in mind (again) that any population center is likely to be a breeding ground for this virus, especially in larger populations where travel restrictions are publicly ignored (potentially by the “entitled” who think that curfews and “stay in place” orders don’t matter).  While not trying to point a finger here, I see this current suggested order extending through at least the end of May.  At least.  As I noted previously, I see the death toll in Florida into the hundreds before this is declared “over”. 

ANOTHER REPORTED DOWNSIDE … 

Chicago, Detroit and New Orleans are now all reporting upticks in their confirmed cases of coronavirus.  Florida is now including New Orleans residents being banned from entering Florida. 

FLORIDA’S GOVERNOR HAS ISSUED AN EXECUTIVE ORDER: DO NOT COME TO FLORIDA! 

Excessive travel is not recommended, especially people planning on coming to Florida.  The Governor has issued an Executive Order for residents outside of the State of Florida NOT TO ENTER the State at all, especially from areas like New York, Connecticut and New Jersey, where the virus has been tabulated in record numbers. The Executive Order appears to have been issued due to residents fleeing the New York Tri-State area (NY, NJ, CT). The Order requires incoming “escapees” to undergo mandatory 14-day isolation and has made it a misdemeanor crime punishable by 60 days in jail and a $500 fine if not adhered to, with the costs of the isolation paid for by the airline passenger trying to “escape”. The Order says nothing about those from that area sneaking in by way of a vehicle. 

Many counties in the State have taken up the idea and several have implemented restrictive curfews and lockdowns.  South Florida (Palm Beach, Broward and Miami-Dade Counties) and Hillsborough County (Tampa) are the current “hot spots” in the State for the coronavirus.

I’m going to be belabor my previous points again here because most of you have already read much of what was contained on previous posts.  

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UPTICK IN REPORTED U.S. COVID-19 CASES!

(BREAKING NEWS, OP-ED) — 2:50 p.m. EDT, March 27, 2020

3.3 Million new unemployment claims have been filed across America as the loss of jobs on a grand scale has forced Americans to go on assistance, despite the $2-trillion stimulus (pork) package.

The United States has now surpassed China in the number of reported coronavirus cases. The death toll in the U.S. is now over 1,000 people. 

New York has now become the epicenter of the coronavirus as the spread is accelerating. 

The Empire State is reporting (a new revised figure at the time of this post) 23,112 cases in New York City alone, accounting for 365 deaths there. The State of New York’s reported cases is greater than the sum of all 49 states’ reported cases! 

Worldwide, the number of coronavirus cases has exceeded a half million people. 

Tomorrow evening (March 27th), City Spotlight – Special Edition’s Dave Krieger (along with co-host R. J. Malloy) will be updating you on the latest statistics of what has happened in America and how communities are reacting.   The program airs shortly after 6:00 p.m. Eastern Daylight Time on WKDW-FM, North Port, Florida. Tune in for more information … as well as our “take” on things. 

FLORIDA CASE REPORT

As of the time of this update, the number of Florida cases rose to 2,900, with 34 deaths and 456 people hospitalized.  Statistically, this represents about .012% of those infected; however, it does not tell us how many people are infected and don’t know it yet, which is why states are putting their citizens on lockdown and only allowing essential services to operate. Florida is not one of them yet.  Rather than implement a statewide lockdown, Governor Ron DeSantis is allowing the counties to decide whether the pandemic in their own region is worthy of containment to the point of telling residents to stay home. 

Meanwhile, those business in Florida who are in need of assistance due to business losses can contact R. J. Malloy at WKDW-FM Radio (an agent for the SBA for the small business loans) at (941) 564-8739 and he can help you apply for low-cost emergency funds.   Since all 67 counties have been declared a disaster area, emergency assistance from the SBA can now be applied for. 

FLORIDA’S GOVERNOR HAS ISSUED AN EXECUTIVE ORDER: DO NOT COME TO FLORIDA! 

Excessive travel is not recommended, especially people planning on coming to Florida.  The Governor has issued an Executive Order for residents outside of the State of Florida NOT TO ENTER the State at all, especially from areas like New York, Connecticut and New Jersey, where the virus has been tabulated in record numbers. The Executive Order appears to have been issued due to residents fleeing the New York Tri-State area (NY, NJ, CT). The Order requires incoming “escapees” to undergo mandatory 14-day isolation and has made it a misdemeanor crime punishable by 60 days in jail and a $500 fine if not adhered to, with the costs of the isolation paid for by the airline passenger trying to “escape”. The Order says nothing about those from that area sneaking in by way of a vehicle. 

Many counties in the State have taken up the idea and several have implemented restrictive curfews and lockdowns.  South Florida (Palm Beach, Broward and Miami-Dade Counties) and Hillsborough County (Tampa) are the current “hot spots” in the State for the coronavirus.

I’m going to be belabor my previous points again here because most of you have already read much of what was contained on previous posts.  

UPDATED NEWS ON THE C&E —  There appears to be a glimmer of hope on the horizon: 

  1. An attorney threatened a servicer with a C&E action in Florida.  The servicer immediately lowered the sale price of a probate (reverse mortgage) property by $20,000 rather than risk a trial.
  2. Another attorney in Lee County, Florida pushed for discovery in another C&E action.  The law firm for the servicer called, wanting to settle the matter before trial. 
  3. Another investor filed two (2) criminal complaints on 2 separate properties in Las Vegas, Nevada with the Metro Police Department.  The Police Department forwarded both complaints to the Clark County District Attorney and the Nevada Attorney General’s office for further criminal investigation.  When the opposing side’s lawyer found out about the criminal complaints, she told the investor’s attorney, “We are taking these criminal complaints very seriously.”  Duh?  

These are just 3 examples of how powerful a C&E is!  You can get the entire DVD/book training kit online at CloudedTitles.com/Shop

I mean seriously … what are you doing for the next two weeks confined at home?  Why not get an education?  Knowledge is power! 

And for those of you in despair, there is some lightheartedness out there: Coronavirus Rhapsody

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UPDATE ON CORONAVIRUS … MAY THE ODDS BE EVER IN YOUR FAVOR!

( OP-ED, Some BREAKING NEWS) — The death toll in Italy has (at the point of this post) hit the 7,503 mark, with 683 deaths reported in the last 24 hours.  Those who break quarantine are still subject to arrest.   Johns Hopkins University’s data tracking systems are reporting a total of 392,780 confirmed cases worldwide in 169 countries with roughly 20,500 reported and confirmed deaths from coronavirus (as of this post). Germany has 114 deaths on the books since the pandemic began, with the highest number of infections in the 15-59 age group.  In Spain, an ice rink has been turned into a temporary morgue, with that country reporting a total of 74,386 infected people and 3,697 dying of coronavirus, the second worst “hit” in Europe. Ireland seems to have been spared the same attack rate as Spain, with only 1,564 infected cases and only 9 deaths which makes the percentage rate at .006, which is barely negligible.  A lot of countries are dealing with this crisis much differently that Italy and Spain.  Italy especially is more susceptible because of the number of elderly who live there; thus, its numbers are higher. 

Then there’s America.  Land of the fee and home of the slave.  New York is reporting (within the last 24 hours) 25,665 cases (15,597 of those in New York City alone and 218 deaths).  New York officials estimate that the “attack rate” of the virus 28% of all test results as opposed to 8% throughout the rest of the country. This logically would appear to mean that the bigger the area you live in, the more reason there is to shelter in place right now.  New Jersey has 2,844 cases reported and 27 deaths. Connecticut’s numbers are lower, with 415 cases reported and 10 deaths (less than Florida’s current mortality rate).  I know … it almost appears as if we’re keeping score here … but the statistics tell us something.

The virus has killed at least 704 persons across the country with 53,000+ cases reported as active.  So far, 333 have reportedly “recovered”, but there is no telling whether they could contract it again.  That is getting close to what I would consider a “pandemic”; however, even with the possibility that most of those infected could recover, until they have been tested and know they’re positive, they are still considered “vectors”, who are still out contaminating the countryside.  There is also the possibility that we’re not being told ALL of the numbers, for fear it would exacerbate the already-induced nationwide panic. 

This coming Friday (March 27th), City Spotlight – Special Edition’s Dave Krieger (along with co-host R. J. Malloy) will be updating you on the latest statistics of what has happened in America and how communities are reacting.   The program airs shortly after 6:00 p.m. Eastern Daylight Time on WKDW-FM, North Port, Florida. Tune in for more information … as well as our “take” on things. 

Because of the panic created by the governments , both federal and state and the media, we’re going to bring you fallout commentary on what we think is really going on, albeit we’re going to try to stick to facts and avoid conspiracy theories (on the show’s website; click on the website, then click LISTEN NOW to join the program).  

FLORIDA CASE REPORT

As of the time of this post, the number of Florida cases rose by 378 overnight to 2,355, with 28 deaths.  Statistically, this represents about .012% of those infected; however, it does not tell us how many people are infected and don’t know it yet, which is why states are putting their citizens on lockdown and only allowing essential services to operate. Florida is not one of them yet.  To totally lock down Florida would literally kill its economy within 30 days and force businesses who were shut down to have to borrow to cover their losses, which, when restored, will likely be passed onto the consuming public. Currently, the Florida Department of Health is monitoring 1,655 more suspected cases, waiting for test results.  

Meanwhile, those business in Florida who are in need of assistance due to business losses can contact R. J. Malloy at WKDW-FM Radio (an agent for the SBA for the small business loans) at (941) 564-8739 and he can help you apply for low-cost emergency funds.

DO NOT COME TO FLORIDA! 

Excessive travel is not recommended, especially people planning on coming to Florida.  The Governor has issued an Executive Order for residents outside of the State of Florida NOT TO ENTER the State at all, especially from areas like New York, Connecticut and New Jersey, where the virus has been tabulated in record numbers. The Executive Order appears to have been issued due to residents fleeing the New York Tri-State area (NY, NJ, CT). The Order requires incoming “escapees” to undergo mandatory 14-day isolation and has made it a misdemeanor crime punishable by 60 days in jail and a $500 fine if not adhered to, with the costs of the isolation paid for by the airline passenger trying to “escape”. The Order says nothing about those from that area sneaking in by way of a vehicle. 

 The U.S. Government does NOT have the authority to declare a national lockdown, despite what you may have heard.  This is media sensationalized bullshit and you’re going to hear a lot of  “fake news” and “garbage sensationalism” on social media, mainly generated by fear mongers with absolutely no fact-based information whatsoever, spreading rumors over social media and making it look as if the government generated their “opinion”.   As Americans, we must forget about our “party lines” and start “reading between the lines”.  We should fact check every bit of information and treat it as “Disinformation” until we are able to verify it.   The late president Ronald Reagan even made the statement, “Trust, but verify”.   Until you know for sure what has and has not been done, do not trust the information until you’ve fact checked it.

As for Florida, which you can apply to your own given circumstance, as this poster, I do not believe that the “State” will order an absolute lockdown unless it believes its entire population is in jeopardy of contracting the virus.  The “shelter in place” suggestion has been recommended by all governments. The counties within the State of Florida however may commit to “locking down” citizens to reduce travel and occupation of “tight spaces”, reserving travel to only essential services. Some Florida counties already have put their residents in lock down. The Governor has also told those over 65 to stay at home and isolate for at least the next 14 days. 

Here are some “suggestions”, “observations” and “maxims” I have observed over time in researching this so-called “pandemic”:

  1. Despite the fact that the number of folks who are infected make up the reported “numbers”, we do not know how many are asymptomatic (don’t know they have the virus) and could be out and about spreading it;
  2. The number of test kits to confirm infection is still limited, even though authorities have said they are procuring more of them;
  3. The number of medical supplies needed to treat the pandemic that has already manifested itself are virtually non-existent and are being manufactured at this time, with delivery date to all locations uncertain. Knowing this, this information should be enough to give you at least a modicum of sense to avoid contact with people outside your home, especially those who still continue to travel and “hang out” in public places despite being told not to; 
  4. In many instances, you may feel the need to “go somewhere” for personal essential needs. You should have already stocked up for 14 days worth of food supplies and most utilities are holding off demanding payment in an effort to “keep the lights on” and “the water flowing”;
  5. Many people still do not have internet.  They have either land line or cell phones though. There is nothing wrong with you doing the responsible thing and to call them and inform them of what is going on, and to help them with getting them information you become aware of that is “fact checked” for the purposes of survival, including but not limited to, phone numbers of people they can call for updated information;
  6. The sooner we all smarten up and stop all unnecessary travel … and weather this thing out … the sooner things can get back to normal;
  7. If we shelter in place for even just 2 weeks, those who are infected will either (a.) know they’re infected and do something appropriate about it; or (2) have gotten over it enough to be able to return to work. 
  8. You are “safe” as long as you are in your home.  Now is the time to deep clean your house. Clean out your closets of things you can donate. Do necessary yard work you’ve been putting off.  Hang out with your family, if you have a family.  Rest often.  There’s nothing like a decent nap to recharge your batteries.  Stress can wreak havoc on a body’s immune system, which is why I advocate resting whenever possible if you feel tired.  Continue to ingest things to help your body’s immune system;
  9. DO NOT TAKE IBUPROFEN (Advil).  This actually screws with fighting the virus and may actually do more harm than good.  Alleve has naproxen sodium and Tylenol has acetaminophen, both of which have not shown to have an adverse effect on the human system; and
  10. Understand that every door handle you touch should be treated as if it has coronavirus on it.  If you do not have wipes or hand sanitizer available to carry with you on your person, to disinfect yourself every time you touch a surface, you should not be going anywhere. 

State and local governments are demanding that residents “stay home” (shelter in place).  This does not mean that you cannot go to the grocery store or to make a quick run for necessities.  It does mean however, that you can’t live life the way you’re used to, galavanting around the countryside,  hanging out in bars, doing whatever.  Those days are temporarily over until this thing gets kicked.  Keep the 14-day “suggestion” in your head. This is NOT the end of the world, despite what you may read on social media.  Understand that social media it what it is, a marketplace of peoples’ opinions, many of them confounded in panic. (Remember the Biblical saying, “And the more part of them knew not why they were come together” … taken out of context from the Book of Acts for a little side humor.)

There are some people who think that the Florida Governor has not done enough.  Let me put it another way … maybe it is the residents of this state that didn’t do enough, when first warned. They continued to go out and hang out in public places, especially at the beaches (spring breakers) and now they’ve contaminated others with their saliva droplets (maybe that should be a felony assault charge, whadda think?) and maybe they should  all be jailed and held without bond for a minimum of 90 days and then charged with manslaughter.  Do you really want that?  Your tax dollars would be paying for that, remember?  Seems like I’m not the only one out there who thinks punishment should be meted out to the violators. All I have to do is go on Facebook and I can see the comments levied at Governor DeSantis, knowing that he has the power to issue Executive Orders in the extreme and get away with it because it is authorized by law, including shoot on sight orders!  Two words: Hurricane Katrina. One word: Blackwater. 

Maybe if Governor DeSantis really wanted to send a message, he’d impose martial law, mandatory curfews 24/7 with shoot on sight orders to anyone caught out of their homes during curfew.  Is that what you want?  You want a “nanny state”?  Because I sure don’t. 

In the past, you’ve been warned you that if you didn’t act responsibly, that the government was going to “do your thinking for you” and make you stay home.  Since then, curfews in many areas of the country have been imposed and more are to come because people aren’t listening and behaving appropriately. The only thing absent from those orders is “shoot on sight”. Maybe a few death by cops would scare you into staying in your homes, huh?  (I know that’s effing extremist but how much whining does it take to make people wake the f**k up?) 

If we’re going to contain this virus, the vectors carrying it have to be identified and isolated, forcibly if necessary.  I say, if it’s found they’re the cause of cases of coronavirus resulting in death, we put them in prison for life!  

We do not need martial law to be declared if we act responsibly and stay put for the short term required to beat this virus.  Why should us law-abiding citizens have to put up with these “free radicals” spreading disease all over the place because they think they’re entitled to go where they want, do what they want and act the fool any time they want?

The government has put the hammer down on unnecessary travel for a reason.  The government is paranoid.  I would be too if I were working in high positions in government, seeing that the entire country could revolt against the “capitol” (Hunger Games); civil unrest (rioting in the streets by the tens of thousands) could occur, resulting in an all-out Civil War II in America (think “Red Dawn”).  Obviously, we all want peace and the ability to get “back to normal”, so the quicker we start fact checking and making sense of things, the quicker we will recover.  Even if we had to self-isolate for 2 weeks, would that really be a bad thing?  

TAKE A BREATH … 

If you need further information , go online to your local health department and see what they’re recommendations are.  It is too late to get a flu shot, despite the fact local health departments are telling everyone out there to go get one if they haven’t yet.  Traveling to public places to get a flu shot only risks exposure to those who may be infected, which is why (IMHO) I think this is bad advice.  No one is around to treat you to that flu shot (typically) because most of the medical facilities seeing patients only want to see the ones that are mission critical and not the ones who “think” they have the coronavirus. If you were to even manage to find someone to give you a flu shot, don’t you think that person giving you the shot has risked exposure to someone who was infected?  Think about that before you let someone stick a needle in your arm.

My trusted friend, who has appeared twice on my radio show, who has a Master’s Degree in Holistic Nutrition, highly recommends a powerful antioxidant called Allimax.  It contains allicin.  You can get a 50% discount on all Allimax products by going to their website at allimax.us

If you order, type in the word FIFTY under the Promo Code space to get your discount.  I ordered this stuff myself and I don’t make any money by recommending it.  It’s an option … check it out.

The City of Tampa (Florida) has ordered residents in the city to stay home and not to leave unless it’s absolutely necessary.   This would appear to be common in most major “mission critical” areas, areas where there is a large population center (South Florida … Miami-Dade, Broward, Palm Beach Counties), Fort Myers, Orlando, Jacksonville.  If you live in or near a large city, chances are there are more vectors within that population.  The more you travel out and about in these areas, the more likely you are to contract the virus. The City of San Antonio has already implemented lockdown orders to try to limit the spread of the coronavirus, at least through April 9th.  

If you want the latest information on your State, you can visit cdc.gov for more information. 

The construction business in Florida is plagued with laborers, many of who are unreliable.  They run when hurricanes (and anything like this) happen and most never return, so it is imperative we keep them busy because Florida has a housing shortage, especially for affordable homes.  I am doing my part to correct that as a consultant and developer, even though I have my hands in the foreclosure mess from time to time … and it’s not over. 

As to foreclosures … 

Despite the fact the court systems are closed, the media is still operating.  That means that non-judicial foreclosures can still be conducted on the courthouse steps by a lone substitute trustee, even if no one shows up.  The original “claimant” may buy your property through a credit bid, whether they’re entitled to or not. Filing lawsuits in non-judicial settings will fall on deaf ears now because the courts are closed.  Direct negotiating with the lender to “hold off” in the wake of quarantine may be the only resolution (if a mandatory quarantine has been imposed). 

In judicial states however, the courts are operating on a limited basis or most likely not at all, which means that foreclosures in those areas, which has to be done through a formal court filing, can be done electronically. However, it is highly unlikely that any judge will review any of the motions until the courts have reconvened.  Use your time wisely during this period and look for ways to implement a Plan B.  This lockdown may have bought you an extra 2 weeks where you are, but it doesn’t necessarily mean you’re going to have a “more positive outcome” by ignoring your financial predicament and wait to see what happens once this lockdown has been lifted.  All good things happen to you if you use your head, reason out the issues and come to a conclusion wherein you can draw up a Plan B that you can actually and logically implement.

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