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The Mortgage MeltdownStanley J. Kazwell, Jr. is the author of a new book, The Mortgage Meltdown:  The Mindsets That Got Us Here and What You Can Do About It. In it he offers a unique perspective on how our current economic situation evolved.  Then he offers solutions to help the reader to “take control.  Your individual life is yours to create.” 

 

 Stan says that politicians are the problem, not the solution because they are promising “veiled versions of more of the same.”  In The Mortgage Meltdown, Stan traces decades of governmental action preceding  the meltdown. He explores market - cycles,  mass psychologies and conventional wisdoms. He then offers practical advice  on upside down mortgages, avoiding foreclosure, and the epidemic of credit driven lifestyles.

 Prior to publishing, the book was put through a peer review process with several authorities contributing their expertise.  Authors, professors, bankers, mental health professionals, and other skilled practitioners gave their input.  “It was important to me to get perspectives and guidance from people I respected.” Kazwell explains.  “Hearing from these people was a great learning experience and confidence builder.” 

The Mortgage Meltdown explores the mindsets that created our modern financing system.  The author’s constructs a framework in which an understanding can be reached to enable the reader to free himself from the psychologies that drive the masses.  Kazwell says “Most people perceive nothing but opportunity when real estate prices, and thus risk, are high and getting higher.  On the other hand, when prices and risks are low, most people can only see the problems.  In either case, risk and opportunity always co-exist and they need to be properly assessed.” 

The book explores how these mindsets affect our personal saving and spending habits, as well.  “We have become accustomed to living on fiStan in studionanced lifestyles.” Kazwell says.  “We have been warned for a year that living on credit was a ticking time bomb, now it is exploding!”  He points to Washington as well as state and local governments saying, “Politicians of both parties have set the example and we have followed.  We want everything now; we are willing to borrow to have it, then, we are still paying for it long after we have thrown it away.”

The Mortgage Meltdown: The Mindsets That Got Us Here and What You Can Do About It  by Stanley J. Kazwell, Jr.  www.Amazon.com ; www.MortgageMeltdownBook.com : www.CrystalConnectionOnline.com  Published by Business Management Institute, Inc. 

Stanley J. Kazwell, Jr is the president of Kazwell Fanancial Services, Inc,; host of the Southwest Florida radio show, "Real Estate Charlotte" heard on NewsRadio 1580, AM, WCCF; publisher of the Kazwell Newsletter ; public speaker:  He can be reached at (941) 625-0015 or by clicking the "contact us" button.  

CONTRIBUTORS THE MORTGAGE MELTDOWN

Kent Thune, CFP®, QPFC, blog author, “The Financial Philosopher” Kent offers insightful wisdom on money and life. www.thefinancialphilosopher.com
Pres. Atlantic Capital Investments, LLC, Mount Pleasant, NC,  www.atlanticcapitalinvestments.com
Amy Hillier, Ph.D., M.W.S., BA Assistant Professor, PennDesign Department of City and Regional Planning, University of Pennsylvania.    http://www.design.upenn.edu/new/cplan/facultybio.php?fid=315
Redlining/HOLC Dissertation at: http://repository.upenn.edu/dissertations/AAI3003637/  Also see: http://cml.upenn.edu/redlining/ and www.mappingdubois.org
Michael Pento, a Senior Market Strategist - macro economic - global industry:  A respected economic thinker from the Austrian school, appears regularly CNBC/other national media outlets.  Hear Michael’s,
Mid-Week Reality Check Podcast at: www.greenfaucet.com/audio/user/38
Delta Global Advisor, Inc., Holmdel, NJ, www.deltaga.com        
Clyde R. Goulet, author of The Survival Guide to Foreclosure & The Short Sale Manifesto, Expert on foreclosure, and on investing profitably in short sales, Longwood, FL
Publisher of free e-letter http://www.nobsshortsales.com
Blair Kenney, Ph.D., M.S.W., respected & experienced editor, published author - former college professor, psychotherapist, and real estate agent – amazing breadth of knowledge & meticulous editor, Sarasota, FL www.bkeditor.com
Dena Tribbett, Negotiating short-sales, loan modifications, and forbearance agreements, since 2002, Venice, FL
Success Coach with Robert Kiyosaki, 2006-2007
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Ted Penland, 
Vice-President/Branch Manager, First Community Bank of America, 1950 Tamiami Trail,
Port Charlotte, FL, 33948  (941) 764-4210
Jennifer Kazwell,
Loan professional & borrower’s advocate - EXTRAORDINAIRE!   “Do you need a mortgage?
Call (Jennifer) Kazwell!”  
(941)625-0015, Port Charlotte, FL
Kazwell Financial Services, Inc. www.kazwell.com                                                                         . Stan Kazwell III, Tallahassee, Loan professional & borrowers advocate - Kazwell Financial, www.kazwell.com
Realtor® – Keller Williams, www.callkazwell.com
Business owner – The Crystal Connection, www.crystalconnectiononline.com
Stuart A. Stuthers, M.S., L.M.H.C., N.C.C., Personal Consultant, Success Motivational Coach
Port Charlotte, FL
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Dr. Larry Lackey, publisher, small business consultant, seminars, public speaking  
Business Management Institute,
Sarasota, FL, www.BizManInstitue.com
David McDougall, cover designer of The Mortgage Meltdown,
McDougall Graphics & Design, Port Charlotte, FL
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Joe Adamaitis, author   The First Time Homebuyers Book & Loan Origination, The Basics, and others, numerous articles on the meltdown  www.wfhm.com/wfhm/joe-adamaitis
Consultant, 28+ years mortgage banking/brokering – Wells Fargo,   Sarasota, FL, Tel: 941-363-5009
This e-mail address is being protected from spambots. You need JavaScript enabled to view it

OTHER VITAL CONTRIBUTIONS WERE MADE BY EACH OF THE FOLLOWING. . .  Mary Kazwell, her painstaking manuscript evaluations were crucial to the book’s development, she brings incredible focus to the task at hand. - - Michael Kazwell, proofed and is our technical wizard/rescue squad, he keeps it all going. - - Kelly Kazwell, research - - Jean Marie Delacruz, proofreading - - Kevin Kazwell, final proofreading and editing with great dedication to get it right - - Janis E. Kazwell cheered and endured my passion.  Her critiques irritated, and inspired me.  She is the epitome of love, I am so blessed. - - Stanley Kazwell, Sr. is my mentor and role model.  His lifetime influence is the essence of this book.  He is a lifelong (and still active at 82) real estate investor, entrepreneur, generous human being, and loving father.  Dad, I love you.

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Kazwell's Book "The Mortgage Meltdown" Published
Stanley J. Kazwell, Jr. is the author of a new book, The Mortgage Meltdown:  The Mindsets That Got Us Here and What You Can Do About It. In it he...

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