Doing so under those circumstances carried criminal penalties.Another aspect of filing a bogus mortgage is imputed interest rates for the holder if they are too low or interest income and if not recognized becomes a tax evaision issue.Lastly, if you use a deed of trust, with a grantor, grantee and trustee where the provisions of the trust and obligation are made between related parties or the same entity, it may be easily established that the filing was done for some other purpose other than that recited in those instruments and found to be a sham transaction.

Don't be afraid to ask questions because you will get an answer....and the best thing is you will get more than one...I love BP it has been instrumental in my last deal and those that have followed and I found a mentor on here as well.

I am assuming we can still form tranches, CDOs, and the like with this system and set policy to ensure that the structure of these financial instruments is regulated.

Like it's suddenly my problem that he rented a property that is unsuitable to his needs.

With all the back-lash against higher education and "elitism" (I've even seen it here on this forum), those that have the opportunity to get the type of education that is required to develop the technology to win this "war" are being discouraged from doing so.Improve our educational system, once again encourage our citizens to become the most technically advanced in the world (instead of discouraging it), and then we'll be able to fight this "war" in more effective ways than putting ten thousand troops into a random village.In addition, take the $100B this country is going to spend in the next 5 years on advanced aircraft that won't do us any good in this particular war, and use that money to build communications technology that WILL allow us to disrupt our enemies, as well as build technology like that which Bryan is working on, which can accomplish much more for much less cost, risk, and collateral damage.Ask any military historian what the most instrumental part of winning WWII was, and he won't say the atom bomb or our superior aircraft -- he'll say it was our ability to break into our enemy's communications channels and then ultimately break their codes -- allowing us access to their strategies and locations.

Do you offer these same depositors the chance to convert their large deposits to other debt instruments of the bank?

OK, I'll confess I didn't make it through all of the discussion, but I get the show stopper to be forward expectations of rising rates built into the instruments.Someone back earlier in the thread mentioned interest rate swaps (or possibly a forward starting interest rate swap in the case of a 3/1 or 5/1 ARM) as the perfect instrument to accomplish this, but they're only available in the institutional space.

If there has been some course, book, seminar, etc. that has been instrumental in your RE education, please share it with us?

Do broad research of your options early in the process and you’ll minimize the risk of wasting money on unnecessary or unsuitable educational products.

Dialogue and negotiations are preferred as instruments for resolving even the most difficult international conflicts.