Happy readingSecretary’s authority as investor to encourage the servicers of the underlying mortgages, using net present value analysis, to take advantage of the Hope for Homeowners Program under section 257 of the National Housing Act or other available programs to minimize foreclosures.

Greg, Tom, and JoshThanks for your responses and encouragement.

Stated yet another way, I'm simply pointing out the double-standard; I'm not trying to discourage/encourage anyone from checking out the EWI materials.We all have our imperfections, and we all have taken some advice from someone with past failures.

Guys - lets try not to encourage others to violate the TOS of CL or any other site.

No one will encourage you to run to the back of the room for 50% off their overpriced CD’s, courses, or sure bet deals.

Rather than to be encouraged to think creatively , we are often told that there is only one correct answer to the problem.

I say screw 'em.Plus I hate that their call center is outsourced to India and you cannot understand a dang word they say even thought it is "english".I encourage people to look at the American Express products.

It is certainly encouraging and makes me feel much better about not knowing all the stuff that I don't know.

Thanks for all your kind encouragement.

Thanks for filling me in.This thread is encouraging me to look at more single family opportunities in the area in lower income neighborhoods with limited amounts of violent crime.