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New Haven, Connecticut is a city that combines New England charm with a robust cosmopolitan life, boasting world-class architecture and memorable international cuisine. Located on Long Island Sound between New York and Boston, Greater New Haven fans out from a historic city center and harbor to scenic beaches and charming town greens.

Settled by English Puritans in 1658, the city of New Haven is a cornucopia of cultural riches and outstanding educational opportunities, including Yale University, one of the most prestigious institutions in the world. Today the city’s close-knit neighborhoods, colorful fairs and festivals and numberous civic organizations preserve and promote New Haven’s formidable cultural heritage. For other town tours visit http://www.virtualhomes.com . For towns in CT visit http://www.ct-virtualhomes.com .

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Biography from The Trends Research Institute

Gerald Celente – Founder & Director, Publisher, the Trends Journal®

Gerald Celente will show you the future. Forecasting trends since 1980, Mr. Celente, Founder & Director of the Trends Research Institute, is author of the highly acclaimed and best selling books, Trend Tracking and Trends 2000 (Warner Books) and publisher of the Trends Journal®.

Gerald Celente and The Trends Research Institute have earned the reputation as todays must trusted name in trends for their accurate and timely predictions. Among them:

Predicted the Panic of 08 in November of 2007

Forecast the Recession of 2007 in 2004

Years before Starbucks was a household name, Gerald Celente forecast the popularity of gourmet coffee

Decades before Pepsi and Coke got into the water business, Gerald Celente predicted the Big Boom in Bottled Water

When gold was at $275 per ounce in 2002, Gerald Celente said the price had bottomed and in 2004 forecast the beginning of the Gold Bull Run. Since that time, with pinpoint accuracy, he said when, why and how high gold would go.

Gerald Celente coined the term Clean Foods in 1993 and predicted sustained growth in organic products in 1988

Nine months before 9/11, USA Today wrote, 2001 wont be our year, trend seer says. Gerald Celente warned that Americans wouldnt be safe at home or abroad. (USA Today, December 14, 2000)

The Trends Research Institute and Gerald Celente were forerunners in the natural healing/alternative health movement

On the geopolitical and economic fronts, Gerald Celente and The Trends Research Institute are credited with the collapse of the Soviet Union, the last two economic recessions, the dot-com meltdown, the 1997 Asian currency crisis and the 1987 world stock market crash

Gerald Celente has forecast many real estate trends, including the big move to vacation spots and small towns, the growth in the second home market, a real estate “fizz” in 2005 … plus hundreds of other social, business, fashion, consumer and entertainment trends.

The Martial Artist of Trend Forecasting — Gerald Celente, a black belt Close-Combat martial artist, well understands the importance of proacting rather than reacting: The first rule of Close Combat is to attack the attacker. Action is faster than reaction. The same holds true for the future. You know the future is coming attack it before it attacks you.

Political Atheist — Gerald Celente is a political atheist. Unencumbered by political dogma, rigid ideology or conventional wisdom, Celente, whose motto is Think for yourself, observes and analyzes the current events forming future trends for what they are not for the way he wants them to be.

Globalnomic® Trend Forecaster — Using his unique perspectives on current events forming future trends, Gerald Celente developed the Globalnomic® methodology, which is used to identify, track, forecast and manage trends.

The world’s only trends analyst covering 300 diversified trends fields, Gerald Celente and the Trends Research Institute provide trend research studies and consulting services to businesses, governments and individuals worldwide.

Media Favorite — Gerald Celentes on-time trend forecasts, vibrant style, articulate delivery and vivid public presence makes him a favorite of major media. Celentes up-to-the-minute analysis on a broad spectrum of topics are widely sought by: The Today Show, The Oprah Winfrey Show, Fox News, Good Morning America, CBS This Morning, 48 Hours, cable and radio news including CNN, CBS, ABC, NBC, PBS, BBC, MSNBC, CNBC, NPR.

Gerald Celente is often quoted and featured in newspapers and magazines including The New York Times, Los Angeles Times, Chicago Tribune, Washington Post, USA Today, The Independent, The Wall Street Journal, Entrepreneur, Time, Business Week, Financial Times, Newsweek, Time, U.S. News and World Report, Investors Business Daily, The Economist and media throughout the world.

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Part 3 (Excerpt)

Beware of phishing schemes and bank scams GMACs clients hit hard

As promised just before the break, I told you to, listen in if you know anyone who has a GMAC Mortgage, this is one of those too good to be true things. Heres the thing, I have no issues what-so-ever with GMAC, thats not what Im saying, what Im saying is there is a scam of sorts that is going around. A client of ours received a letter, we did a second mortgage for this person a few years ago, they received a letter from GMAC, it looked like GMAC, it sounded like GMAC, and it said that we are willing to forgive your second mortgage of 200 and some thousand dollars in lieu of a one time payment, payable within the next 30 days, of say 20 thousand dollars.

I dont recall the exact amount or what it was. There is a phone number on there, it says loss mitigation department on it, a person assigned to this case. They called the phone number, they answered the phone as if you were calling into the loss mitigation department, and verified if you just send us this amount they will release the lien. Well it is completely false. It is absolutely not true.

These people are not going to seek you out on their own, now whether it be GMAC, today we have actually seen that one, there may be other ones out there. Folks, if you are getting stuff like this you need to verify it and you need to verify it by sources other than the information on the letter that you have received. If you get an email that says your bank account has been tapped into you need to check, chances are it is some kind of a phishing scam and this is no different.

We have gone back to identity theft through the mail and if you have been a party to this you need to verify and check into it, and you need to contact the authorities immediately for more information, if you need help with this sort of situation you are welcome to give us a call at 480 Velocity.

It is pretty amazing that that kind of thing still exists, and with the announcement by Paulson today that the fact is they are no longer willing to buy bad mortgages off the books of the banks. When you come across a phishing scam such as this one there is not a bank out there, I dont care what kind of trouble they are in, that is going to take $0.10 on the dollar to forgive a loan.

In a situation where things are going well, you are right in a situation where things are going well, and the status quo, they are going to be pursued by an attorney, that is entirely different, they are not just going to volunteer up and give you the money, its not going to happen.

Absolutely not and thats where we get back into what a loan modification is, who it benefits, and how it works and so forth, you are starting to see these wheels in motion amongst all of these banks. One of those wheels is certainly not well forgive $200,000 in debt if you write us a check for $20, 000.

And when we have talked about this Brett you and I have had many conversations in regard to what does it take? Can a person do this on their own, we will get to that a little later, but the answer is Yes. A consumer can actually do it on their own, up until very recently with the new announcements made from some of these major servicers and investors, up until then, a person trying to do it on their own would take days upon days and hours and hours on the phone not getting calls back trying to find time during the day while working to get this done and in many cases they are going to get a temporary fix.

The loss mitigation department for the bank that you have your mortgage with, their job is not to mitigate your loss its to mitigate their loss. They are out to protect the bank, thats why we use the national network of attorneys that we do, that are specialists, that have done thousands of these loan modifications, that go to bat for you. By the way folks, they are not going through the loss mitigation door that you would have to go through they are going right to the legal department, they are going to threaten suit if necessary, they are going to do discovery work, they are going to find out if there was anything that was misrepresented either by the bank or the broker and take that angle…

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