Monday, December 14, 2009


As I recall, I had moved to South Carolina in the Fall of 1999 and lived near Spartanburg, SC. However, Spartanburg seemed like the land that time forgot; so whenever I had a date or needed to buy something, I'd head over to Greenville, SC and shop at the Haywood Mall or CompUSA, but I never made it downtown to Main Street.

One day while doing an errand, I started exploring downtown Greenville. I came in on I-385, went in front of the Bi-Lo Center, then made a left on to Main St. at the Hyatt, then my mouth dropped open. I thought I was in Europe.

Main Street Greenville, South Carolina had some of the widest sidewalks I had ever seen on a city street. In places, they seemed 20 to 30 feet leaving ample room for mature trees to line the sidewalks and large flower boxes filled with beautiful plants and blooms. Restaurants and boutiques were side by side for as far as the eye could see. Each shoppe had it's own unique front. Most of the restaurants had indoor/outdoor seating. Colorful umbrellas over the the cafe tables lined the streets. I felt like I was in Paris. During the warmer months, the City blocks off Main Street for pedestrian traffic only and has open air bands where the people can mix and mingle with a glass of wine in the hand. As the sun goes down, the tiny twinkling lights in the trees lining Main Street turn on creating a magical atmosphere as people gaze upward to the sky while standing in the middle of the street with music in their ears.

I shook my head in disbelief thinking I'd lived 35 minutes away from this jewel of a city and I had never even known about how charming the downtown was. I just pictured downtown Greenville would be like any medium sized city in the United States struggling to stay alive, run down and brimming with the homeless. It was quite the opposite. In fact, it was thriving with bustling businesses, each showcasing unique character.

As I met store and restauant owners, they said there was actually a revival taking place and that just 10 years before, many of the businesses I was seeing were boarded up including the Poinsett Hotel which has had such a hot acceptance after the renovations that Hollywood has has taken notice by filming "Leatherheads" there. This movie stars George Clooney and Renee Zellwger in the 1920s style hotel. How would one know the 1920s style? Why the very building was made in 1925 by W.L. Stoddard, of course.

When I had a special date, I'd wisk her over to a quaint restarant in Greenville, but I was still completely unaware that if I had explored just few more blocks towards the West Main area, I would have seen one of the most prized possessions of Greenville...the Reedy River Falls Park.

The Reedy River goes right under Main Street next to their performing arts center known as the Peace Center. One can take a leisurely stroll down the steps to walk into a Garden of Eden like area filled with dramatic waterfalls, trees, manicured lawn with nature and people living in harmony. Just watch the video at the top of this post and you'll see that these words hold true. They even have an open air amphitheatre that features 'Shakespeare in the Park' May through August. For more information, call (864) 787-4016.

For me, Glen Woodfin, Greenville, SC is one of the best cities in America. A few of my others are: Flagstaff, AZ, Santa Barbara, CA, Carmel by the Sea, CA, Savannah, GA and Charleston, SC.

Feel free to share your favorite cities in the comment section!

Tuesday, February 24, 2009

3 Words That Can Stop a Foreclosure

This was taken right off the cached page on the The exact page is: I'm only putting this here as a service to the public as this is not my original writing, so they get the credit, but it appears their site was down due to too much traffic.

Here's a video about this technique:;_ylt=AqeetmNQYpZOw1iPuCnkuA8azJV4

Produce The Note “How-To”
June 19, 2008
Fight Foreclosure: Make ‘Em Produce The Note!
Using the “produce the note” strategy is something all homeowners facing foreclosure can do. If you believe you’ve been treated unfairly, fight back. We have created templates for a legal request, a letter to your lender and a motion to compel to help you through the process. Read the step by step “how to” under the videos.
Special note: In some states, a lender can foreclose on your home without going to court. These are called non-judicial foreclosure states. You can still use the “Produce the Note” strategy in these states, but it takes a few more steps on your part.
Produce the Note - Steps To Follow:
Your goal is to make certain the institution suing you is, in fact, the owner of the note (see steps to follow below). There is only one original note for your mortgage that has your signature on it. This is the document that proves you owe the debt.
During the lending boom, most mortgages were flipped and sold to another lender or servicer or sliced up and sold to investors as securitized packages on Wall Street. In the rush to turn these over as fast as possible to make the most money, many of the new lenders did not get the proper paperwork to show they own the note and mortgage. This is the key to the produce the note strategy. Now, many lenders are moving to foreclose on homeowners, resulting in part from problems they created, and don’t have the proper paperwork to prove they have a right to foreclose.
If you don’t challenge your lender, the court will simply allow the foreclosure to proceed. It’s important to hold lenders accountable for their carelessness. This is the biggest asset in your life. It’s just a piece of paper to them, and one they likely either lost or destroyed.
When you get a copy of the foreclosure suit, many lenders now automatically include a count to re-establish the note. It often reads like this: “…the Mortgage note has either been lost or destroyed and the Plaintiff is unable to state the manner in which this occurred.” In other words, they are admitting they don’t have the note that proves they have a right to foreclose.
If the lender is allowed to proceed without that proof, there is a possibility another institution, which may have bought your note along the way, will also try to collect the same debt from you again.
A Tennessee borrower recently had precisely that happen to her. Her lender, Ameriquest, foreclosed on her in July of 2007. About three months later, another bank sent her a default notice for the mortgage on the house she just lost. She called to find out what was going on. After being transferred from place to place and left on hold for lengthy periods of time, no one could explain what happened. They said they would get back to her, but never did. Now, she faces the risk of having her credit continually damaged for a debt she no longer owes.
This process is not intended to help you get your house for free. The primary goal is to delay the foreclosure and put pressure on the lender to negotiate. Despite all the hype about lenders wanting to help homeowners avoid foreclosure, most borrowers know that’s not the reality.
Too many homeowners have experienced lender resistance to their efforts to work out a payment structure to keep them in their homes. Many lenders bear responsibility for these defaults, because they put borrowers into unfair loans using deceptive, hard-sell practices and then made the problem worse with predatory servicing.
Most homeowners just want these lenders to give them reasonable terms on their mortgages, many of which were predatory to begin with. With the help of judges who see through these predatory practices, lenders will feel the pressure to work with borrowers to keep them in their homes. Don’t forget lenders made incredible amounts of money by using irresponsible practices to issue and service these loans. That greed led to the foreclosure crisis we’re in today. Allowing lenders to continue foreclosing on home after home, destroying our neighborhoods and our economy hurts us all. So, make it hard for your lender to take your home. Make ‘em produce the note!
A. If your lender has already filed suit to foreclose on your home:
Use the first form. It’s a fill-in-the-blank legal request to your lender asking that the original note be produced, before it can proceed with the foreclosure. In some jurisdictions, the courts require the original request to be filed with the clerk of court and a copy of the request to be sent to the attorney representing the lender. To find out the rules where you live, call the Clerk of Court in your jurisdiction.
If the lender’s attorney does not respond within 30 days, file a motion to compel with the court and request that the court set a hearing on your motion. That, in effect, asks the judge to order the lender to produce the documents.
The judge will issue a ruling at your hearing. Many judges around the country are becoming more sympathetic to homeowners, because of the prevalence of predatory lending and servicing. In the past, many lenders have relied upon using lost note affidavits, but in many cases, that’s no longer enough to satisfy the judge. They are holding the lender to the letter of the law, requiring them to produce evidence that they are the true owners of the note. For example:
In October 2007, Ohio Federal Court Judge Christopher Boyko dismissed 14 foreclosure cases brought by investors, ruling they failed to prove they owned the properties they were trying to seize.
B. If you are in default, but your lender has not yet filed suit against you:
Use the second form. It’s a fill-in-the-blank letter to your lender which also requests they produce the original note, before taking foreclosure action against you.
If the lender does not respond and files suit against you to foreclose, follow the steps above.
UPDATE: CNN features The Consumer Warning Network and the “Produce The Note” strategy. Borrowers are putting this plan into action and getting results!
Consumer Warning Network Featured on CNN
THE LATEST: Borrower wins more time to fight foreclosure! At a court hearing Tuesday, a Pinellas County, Florida Judge denied Wachovia the right to proceed with its foreclosure against borrower Jacqueline O’Brien (profiled in the CNN story). Instead, O’Brien was granted a continuance, as she pursues the produce the note strategy. Wachovia expressed interest in renegotiating the terms of the loan, rather than continuing the court battle. We’ll keep you posted!

Tuesday, January 27, 2009

Massage Therapy in Greenville, South Carolina Using Ashiatsu Oriental Bar Therapy

Ashiatsu Oriental Bar Therapy is an ancient massage modality utilizing the massage therapist's hands and feet. The feet are used for a tireless deep tissue massage and the hands are used to apply lighter strokes on more sensative areas like the face and neck.

One of the wonderous qualities of this massage is that even a small petite female can give a person a deep massage without tiring, so feel free to ask the therapist for what you want for they can perform all day long without slowing down.

In order for the massage therapist to have balance and grace, special bars are permanently mounted from the ceiling above the massage table to stabilize the movements. The masseuse holds on to the bars while using their feet for a deep relaxation massage.

In Greenville, SC, Anna Bowen, licensed massage therapist for 11 years practices this rare technique at her massage studio located across from the Bi-Lo Center in downtown Greenville:

Greenville Massage

600 E North Street, Suite 205

Greenville, SC 29601

Anna Bowen, LMT (864) 449-6252

Anna is my favorite masseusse in the Upstate of South Carolina.