MESSAGE
| DATE | 2009-03-22 |
| FROM | Michael L Richardson
|
| SUBJECT | Re: [NYLXS - HANGOUT] The evil that is the MTA
|
Thats say the same thing.
Read the GUARANTEE: www.paymymortgageearly.com
Michael L Richardson wrote:
> The whole idea of having different books is you show one to the IRS,
> one to the State, one to the Courts, one to the Investors. (very
> rarely do the same the same thing).
>
> Read the GUARANTEE: www.paymymortgageearly.com
>
>
>
>
> Amy Coleman wrote:
>> They should look at all of them. Thats what I think. Investigate of
>> they say they have 2, find more.
>> On Fri, 20 Mar 2009, Michael L Richardson wrote:
>>
>>
>>> Which set of (MTA) books (I bet there are more than 2 sets) are they
>>> going to
>>> look at?
>>>
>>> Read the GUARANTEE: www.paymymortgageearly.com
>>>
>>>
>>>
>>>
>>> einker wrote:
>>>
>>>> Amen Brother Michael!
>>>>
>>>> On Tue, Mar 17, 2009 at 6:03 PM, >>>> > wrote:
>>>>
>>>> Ruben the fokes at the MTA don't care about serving the people.
>>>> It's about what they can walk away with.
>>>>
>>>> On Sun, Mar 15, 2009 at 08:38:44AM -0400, Michael L. Richardson
>>>> wrote:
>>>>
>>>>> Ok what part of this SACRED CASH COW (MTA) don't you understand
>>>>> and
>>>>> believe in?
>>>>>
>>>>> Read the GUARANTEE: www.paymymortgageearly.com
>>>>>
>>>>
>>>>
>>>>
>>>> The plan has all but collapsed in the Sentate and they are
>>>> preparing to
>>>> do a deep audit of the MTA books. Meanwhile that doesn't expose
>>>> their
>>>> incompency by firing up useless programs like the stupid digital
>>>> signs
>>>> that tell you the map which barely work and cost us 2 billion
>>>> dollars.
>>>>
>>>> Today it the day to pound the governors office.
>>>>
>>>> Ruben
>>>>
>>>>
>>>>>
>>>>>
>>>>> Ruben Safir wrote:
>>>>>
>>>>>> The Evil that is the MTA
>>>>>>
>>>>>> Ruben Safir March 12th, 2009
>>>>>>
>>>>>> The Metropolitan Transit Authority is the single biggest
>>>>>> threat
>>>>>>
>>>> to the
>>>>
>>>>>> long term stability of New York City. It has been standing
>>>>>> on
>>>>>>
>>>> the throat
>>>>
>>>>>> of this city for decades, squeezing the economic life blood
>>>>>>
>>>> from this
>>>>
>>>>>> town. It has proven to be an irresponsible steward of this
>>>>>> cities
>>>>>> transportation network. It has political muscle and
>>>>>> protection
>>>>>>
>>>> unlike
>>>>
>>>>>> any organization in our government. Unlike a private
>>>>>>
>>>> enterprise, it has
>>>>
>>>>>> no need to constrain its budget for the purposes of
>>>>>> profitability.
>>>>>> Unlike a government organization, it escapes any kind of
>>>>>> voter
>>>>>>
>>>> over site
>>>>
>>>>>> at the ballot box. We are all victims of the MTA and its
>>>>>>
>>>> reckless use of
>>>>
>>>>>> government funds, and misguided priorities. This people, the
>>>>>>
>>>> voters of
>>>>
>>>>>> the City of New York, can never give the MTA enough funds to
>>>>>>
>>>> satiate its
>>>>
>>>>>> endless budget. Every dollar they acquire, they budget for
>>>>>>
>>>> completely,
>>>>
>>>>>> and then they spend one more. The MTA must die if the City
>>>>>> of
>>>>>>
>>>> New York is
>>>>
>>>>>> to live.
>>>>>>
>>>>>> First of all, every citizen of this city needs to come to
>>>>>>
>>>> understand the
>>>>
>>>>>> basic facts of the MTA. It is an independent authority
>>>>>>
>>>> chartered under
>>>>
>>>>>> New York State Law which has no over site. It has an
>>>>>>
>>>> independent agenda.
>>>>
>>>>>> That agenda benefits the MTA, and is not designed to benefit
>>>>>> New
>>>>>> Yorkers. The MTA is not our friend, nor does it respond to
>>>>>> our
>>>>>>
>>>> needs,
>>>>
>>>>>> and most of all it does not respond to public pressure or
>>>>>>
>>>> scrutiny. It
>>>>
>>>>>> borrows money and leaves the bills for the taxpayer and
>>>>>>
>>>> straphangers. It
>>>>
>>>>>> subsidizes suburban growth, and leaves the bill for the
>>>>>> inner city
>>>>>> working class. It buys glitzy toys, like underground radio
>>>>>>
>>>> systems, a
>>>>
>>>>>> connection for the LIRR to Grand Central Station along with
>>>>>> the
>>>>>>
>>>> building
>>>>
>>>>>> of a new level at the terminal, it buys a new extension of
>>>>>> the
>>>>>>
>>>> 7 train to
>>>>
>>>>>> the Javits Center, new cars with digital signage, elevators,
>>>>>> and
>>>>>> electronic billboards, it builds a completely uneeded new
>>>>>>
>>>> station complex
>>>>
>>>>>> at Fulton
>>>>>> Street to bribe politicians who can't figure out how to
>>>>>> rebuild
>>>>>>
>>>> the WTC,
>>>>
>>>>>> but it ignores basic safety and traffic needs like switches
>>>>>> and
>>>>>>
>>>> steel
>>>>
>>>>>> rails,
>>>>>> station maintenance, and subway cars with enough signs to
>>>>>> know what
>>>>>> train your hoping on without needing to look over the
>>>>>> platform
>>>>>>
>>>> with the
>>>>
>>>>>> train arriving. And then they spend hundreds of millions of
>>>>>>
>>>> dollars to
>>>>
>>>>>> preach to us. Don’t run up the escalator, Don’t lean over
>>>>>> the
>>>>>>
>>>> platform
>>>>
>>>>>> (so then how do we know what train is coming since they have
>>>>>>
>>>> removed
>>>>
>>>>>> most of the side car signage), don’t walk between cars
>>>>>> (which
>>>>>>
>>>> was really
>>>>
>>>>>> useful at stopping over crowding for nearly a hundred years
>>>>>>
>>>> before some
>>>>
>>>>>> idiot decided it was too dangerous), pick up your trash, and
>>>>>>
>>>> give your
>>>>
>>>>>> seat to a pregnant women.
>>>>>>
>>>>>> Enough. We can’t take it any more. In 2000 the MTA tried to
>>>>>> ram
>>>>>>
>>>> part two
>>>>
>>>>>> of its capital budget program down our throats, by
>>>>>> permitting
>>>>>>
>>>> the MTA
>>>>
>>>>>> more borrowing than it could ever afford, about 1.6 billion
>>>>>>
>>>> dollars with
>>>>
>>>>>> another 2.2 billion dollars of pork for upstate highways and
>>>>>>
>>>> roads. It
>>>>
>>>>>> was rejected soundly by the voters of New York State. But
>>>>>> the
>>>>>>
>>>> MTA is
>>>>
>>>>>> like a fly. If you swat it away, it just comes back. In 2005
>>>>>>
>>>> the MTA
>>>>
>>>>>> launched an “education program†for yet another statewide
>>>>>>
>>>> referendum,
>>>>
>>>>>> this time worth 2.9 billion dollars in funding. In 1995 the
>>>>>> New
>>>>>>
>>>> York
>>>>
>>>>>> Times reported that State lawmakers were aghast at the 4.5
>>>>>> billion
>>>>>> dollars that the MTA would need to borrow between 1997 and
>>>>>>
>>>> 1999. That’s
>>>>
>>>>>> right, we’ve been playing this game for a very long time.
>>>>>> And
>>>>>>
>>>> the major
>>>>
>>>>>> infrastructure we got was the retirement of the perfectly
>>>>>>
>>>> usable Red
>>>>
>>>>>> Bird Cars on the IRT, and the completely unnecessary
>>>>>> electronic
>>>>>>
>>>> signal
>>>>
>>>>>> system for the ‘L’ train. Is it that hard to safely run
>>>>>> trains on a
>>>>>> line that has exactly one outbound and one inbound track
>>>>>> that
>>>>>>
>>>> we had
>>>>
>>>>>> to pay almost a billion dollars for it? And with looming
>>>>>>
>>>> service cutbacks
>>>>
>>>>>> was it worth it? And the station rehabilitations that were
>>>>>>
>>>> necessary,
>>>>
>>>>>> did we get them? Well? Maybe, sort of. They cost us way to
>>>>>> much and
>>>>>> took way too long according to Joseph Rappaport of the
>>>>>> Straphangers
>>>>>> Campaign “All we’re getting in station rehabs is what we
>>>>>> were
>>>>>>
>>>> already
>>>>
>>>>>> promised, and we’re getting it three years late and having
>>>>>> to
>>>>>>
>>>> shell out
>>>>
>>>>>> more in the fare to get it.â€
>>>>>>
>>>>>> In 2003 the MTA attempted to side step the whole process
>>>>>> when
>>>>>>
>>>> it created
>>>>
>>>>>> YET ANOTHER corporation in their authority with the creation
>>>>>> of the
>>>>>> Capital Construction Company with responsibility for
>>>>>> overseeing
>>>>>>
>>>> system
>>>>
>>>>>> expansion projects for all MTA companies and managing their
>>>>>>
>>>> bonds. The
>>>>
>>>>>> latest
>>>>>> plan for the MTA is for the state to do the same for the
>>>>>> bond
>>>>>>
>>>> driven
>>>>
>>>>>> capital program through a charter. So then we’ll have yet
>>>>>> another
>>>>>> organization completely disenfranchised from the City’s
>>>>>>
>>>> electorate or
>>>>
>>>>>> even sensitive to the operations or fare burden, and which
>>>>>> can
>>>>>>
>>>> raise fares
>>>>
>>>>>> and taxes without any over site whatsoever. Oh, and for
>>>>>> those not
>>>>>> watching, you should note that the latest Richard Ravitch
>>>>>> plan
>>>>>>
>>>> calls for
>>>>
>>>>>> the elimination of public hearings for fare hikes.
>>>>>>
>>>>>> Don’t you love the Metrocard. Fares can be raised at will
>>>>>> with
>>>>>>
>>>> a few key
>>>>
>>>>>> strokes.
>>>>>>
>>>>>> Yet between 1981 and 1991 over 16 billion dollars was spent
>>>>>> on MTA
>>>>>> capitalization. And that barely made a dent. The 2001
>>>>>> capital
>>>>>>
>>>> program
>>>>
>>>>>> borrowed money for a 1.1 billion dollar expansion of the
>>>>>> LIRR
>>>>>>
>>>> to reach
>>>>
>>>>>> Grand Central Station. Who from the city would want this at
>>>>>> the
>>>>>>
>>>> cost of
>>>>
>>>>>> a 2 dollar fare hike and service shutdowns? But these
>>>>>> proposals go
>>>>>> through the Capital Program review board which the Mayor is
>>>>>>
>>>> outnumbered
>>>>
>>>>>> by statewide office holders 3 to 1. And that is how we get
>>>>>> this
>>>>>>
>>>> shoved
>>>>
>>>>>> down our throats. And when horse trading erupted over the
>>>>>> 2nd
>>>>>>
>>>> avenue
>>>>
>>>>>> subway for the LIRR expansion the MTA responded with a two
>>>>>> tier
>>>>>>
>>>> bond
>>>>
>>>>>> program that brought out older less expensive dept for a
>>>>>>
>>>> greater new
>>>>
>>>>>> bond act over a longer time. Predictions at the time were
>>>>>> that this
>>>>>> massive debt would cause fares to skyrocket up to $4.00. But
>>>>>>
>>>> that is not
>>>>
>>>>>> the MTA’s problem. Its just the problem of the poor guy
>>>>>>
>>>> schlepping to
>>>>
>>>>>> work or ibringing his family around to the museum from
>>>>>> Brooklyn and
>>>>>> Queens. It was known as a fact that this program would put
>>>>>> massive
>>>>>> pressure on MTA’s
>>>>>> finances between 2005-2009, just as it has. And the program
>>>>>> in
>>>>>>
>>>> 2000 was
>>>>
>>>>>> decried by everyone in the know about the MTA including the
>>>>>>
>>>> then former
>>>>
>>>>>> MTA chair Robert R. Kiley and Gene Russianoff, the same
>>>>>> lawyer
>>>>>>
>>>> pushing
>>>>
>>>>>> not for east river bridge tolls, and who both wrote jointly
>>>>>> at
>>>>>>
>>>> the time,
>>>>
>>>>>> “In sum, it is our conclusion that the plan not only does
>>>>>> not
>>>>>>
>>>> fund new
>>>>
>>>>>> capacity, it threatens the ability of the MTA to continue
>>>>>> its
>>>>>>
>>>> State of
>>>>
>>>>>> Good Repair program for this and future plans.â€
>>>>>>
>>>>>> Need to see more? In February of 2004 the Mayor took the MTA
>>>>>> to
>>>>>>
>>>> court to
>>>>
>>>>>> stop it from funneling monies for the Subway to buy new
>>>>>> Metro
>>>>>>
>>>> North cars
>>>>
>>>>>> (NY Times: Feb 26th, 2004). The New York Times wrote then:
>>>>>>
>>>>>> The mayor is trying to exert influence on an obscure state
>>>>>>
>>>> panel that
>>>>
>>>>>> has the power to deny the $230 million in financing that the
>>>>>> Metropolitan Transportation Authority needs for the new rail
>>>>>>
>>>> cars. He is
>>>>
>>>>>> also considering going to court over the issue if necessary,
>>>>>>
>>>> according
>>>>
>>>>>> to a senior aide to Mr. Bloomberg who spoke only on
>>>>>> condition of
>>>>>> anonymity.
>>>>>>
>>>>>> Then in December of 2004 the Times published this:
>>>>>>
>>>>>> Four years ago, the governor of New York and leading state
>>>>>>
>>>> legislators
>>>>
>>>>>> gave permission for the Metropolitan Transportation
>>>>>> Authority
>>>>>>
>>>> to pay off
>>>>
>>>>>> old bonds by borrowing $14 billion, creating a steep pile of
>>>>>>
>>>> new debt
>>>>
>>>>>> for a transit system filled with ancient structures,
>>>>>> middle-aged
>>>>>> equipment and little money to replace them.
>>>>>>
>>>>>> Today, with the M.T.A. facing short- and long-range
>>>>>> financial
>>>>>>
>>>> crises,
>>>>
>>>>>> the public benefit of that decision remains a matter of
>>>>>> vigorous
>>>>>> dispute.
>>>>>>
>>>>>> On April 3rd, 2000 the Times published this little tidbit:
>>>>>>
>>>>>> In the last month, government and private analysts have
>>>>>> developed a
>>>>>> striking consensus that the Metropolitan Transportation
>>>>>> Authority’s
>>>>>> five-year, $16.5 billion capital improvement plan is a
>>>>>> disaster-in-waiting, built on a mountain of borrowed money,
>>>>>>
>>>> that would
>>>>
>>>>>> force a major fare increase.
>>>>>>
>>>>>> They say the crush of debt would cripple the authority’s
>>>>>>
>>>> ability to keep
>>>>
>>>>>> New York City’s subways and buses and the commuter railroads
>>>>>> in
>>>>>>
>>>> good
>>>>
>>>>>> repair, and would make the financing of future capital plans
>>>>>> nearly
>>>>>> impossible. The plan would require by far the largest sale
>>>>>> of
>>>>>>
>>>> municipal
>>>>
>>>>>> bonds in history, more than $20 billion.
>>>>>>
>>>>>> October 3rd, 2004:
>>>>>>
>>>>>> The Metropolitan Transportation Authority is projecting
>>>>>> budget
>>>>>>
>>>> deficits
>>>>
>>>>>> of more than a billion dollars in the coming years, and
>>>>>> another
>>>>>>
>>>> round of
>>>>
>>>>>> fare increases and service cuts appears imminent. But now
>>>>>>
>>>> transportation
>>>>
>>>>>> authority officials want to spend even more money to
>>>>>> continue to
>>>>>> maintain the system, and even the authority’s critics are
>>>>>>
>>>> hard-pressed
>>>>
>>>>>> to fault them for it.
>>>>>>
>>>>>> The trouble is, no one has quite figured out how to pay for
>>>>>> the
>>>>>> improvements.
>>>>>>
>>>>>> “I don’t think there’s any question that more money is
>>>>>> needed
>>>>>>
>>>> for the
>>>>
>>>>>> system’s operation and for upkeep and maintenance,†said
>>>>>> Doug
>>>>>>
>>>> Turetsky,
>>>>
>>>>>> a spokesman for the Independent Budget Office, a nonpartisan
>>>>>> city
>>>>>> agency, on the financial quandary. “The question is where
>>>>>> those
>>>>>> resources are going to come from.â€
>>>>>>
>>>>>> On the authority’s shopping list: more than $17 billion in
>>>>>> system
>>>>>> upgrades and replacement of old equipment, $500 million for
>>>>>>
>>>> security
>>>>
>>>>>> improvements and several billion dollars for expansion
>>>>>> projects,
>>>>>> including the building of the first phase of the
>>>>>> long-awaited
>>>>>>
>>>> Second
>>>>
>>>>>> Avenue subway and connecting the Long Island Rail Road with
>>>>>> Grand
>>>>>> Central Terminal.
>>>>>>
>>>>>> It is all part of the authority’s proposed five-year capital
>>>>>>
>>>> improvement
>>>>
>>>>>> plan for 2005 to 2009, sent to Albany last week for
>>>>>> approval.
>>>>>>
>>>> Making his
>>>>
>>>>>> priority clear, Peter S. Kalikow, the authority’s chairman,
>>>>>> said he
>>>>>> would be willing to sacrifice the highly publicized
>>>>>> expansion
>>>>>>
>>>> projects
>>>>
>>>>>> if it meant protecting the $17 billion for the existing
>>>>>> system.
>>>>>>
>>>>>> “This is the minimum number that we will accept,†he said
>>>>>>
>>>> Wednesday at
>>>>
>>>>>> the authority’s board meeting. “It’s the minimum number to
>>>>>> keep the
>>>>>> system running.â€
>>>>>>
>>>>>> It will be up to lawmakers, however, to wrangle over how to
>>>>>>
>>>> come up with
>>>>
>>>>>> the money, or if they even can.
>>>>>>
>>>>>> The problem is a familiar one for the authority. Similar
>>>>>>
>>>> hand-wringing
>>>>
>>>>>> accompanied the passage of the authority’s current $19
>>>>>> billion
>>>>>>
>>>> capital
>>>>
>>>>>> program for 2000 to 2004. In the end, much of that program
>>>>>> was
>>>>>>
>>>> paid for
>>>>
>>>>>> by bonds, repaid out of riders’ fares. But that has left the
>>>>>>
>>>> authority
>>>>
>>>>>> facing a mountain of debt. Payments coming due on that debt
>>>>>> are
>>>>>>
>>>> at the
>>>>
>>>>>> core of the authority’s struggle with its operating budget.
>>>>>>
>>>>>> As Gene Russianoff, a staff lawyer for the Straphangers
>>>>>> Campaign, a
>>>>>> transit advocacy group, put it, “Their credit card is maxed
>>>>>> out.â€
>>>>>>
>>>>>> Authority officials have made clear that issuing more debt,
>>>>>>
>>>> paid for by
>>>>
>>>>>> riders, would be extremely difficult, if not impossible.
>>>>>>
>>>>>> October 25th, 2005:
>>>>>>
>>>>>> New York’s city and suburban transit network faces enormous,
>>>>>> fast-growing debts and budget deficits, with no clear plan
>>>>>> for
>>>>>> addressing them. It raised fares last year, plans to raise
>>>>>> them
>>>>>>
>>>> again
>>>>
>>>>>> next year and warns that it may do so again in 2006.
>>>>>>
>>>>>> This is not a surprise to people who monitor the
>>>>>> Metropolitan
>>>>>> Transportation Authority. The current situation was
>>>>>> predicted
>>>>>>
>>>> four years
>>>>
>>>>>> ago by, among others, former top transit officials, fiscal
>>>>>>
>>>> watchdogs
>>>>
>>>>>> like the Independent Budget Office and the Citizens Budget
>>>>>>
>>>> Commission,
>>>>
>>>>>> the state comptroller, business groups like the New York
>>>>>> City
>>>>>> Partnership and transit advocates like the Regional Plan
>>>>>>
>>>> Association and
>>>>
>>>>>> the Straphangers Campaign.
>>>>>>
>>>>>> The financial problems, critics contend, are the direct
>>>>>> result
>>>>>>
>>>> of more
>>>>
>>>>>> than a decade of policies by New York State, New York City,
>>>>>> and the
>>>>>> authority, which operates the city’s subways, buses, bridges
>>>>>> and
>>>>>> tunnels, and the Metro-North and Long Island commuter
>>>>>> railroads. In
>>>>>> particular, they point to a $17 billion capital maintenance
>>>>>> and
>>>>>> expansion program adopted four years ago that was broadly
>>>>>>
>>>> denounced at
>>>>
>>>>>> the time as a fiscal time bomb.
>>>>>>
>>>>>> March 6th 2003:
>>>>>>
>>>>>> The decision of transit officials to propose substantial
>>>>>> fare
>>>>>>
>>>> increases
>>>>
>>>>>> to close a budget shortfall has not ended a bitter political
>>>>>>
>>>> fight about
>>>>
>>>>>> whether the public should be given more information about
>>>>>> the
>>>>>> Metropolitan Transportation Authority’s budget.
>>>>>>
>>>>>> The state comptroller, Alan G. Hevesi, a Democrat, has
>>>>>>
>>>> subpoenaed 18
>>>>
>>>>>> cartons of budget documents from the authority and forced
>>>>>> three
>>>>>>
>>>> of its
>>>>
>>>>>> top budget officials to give lengthy depositions about their
>>>>>> bookkeeping. He vowed today to continue that inquiry to its
>>>>>>
>>>> conclusion
>>>>
>>>>>> no matter what the authority’s board decides on Thursday
>>>>>> when
>>>>>>
>>>> it votes
>>>>
>>>>>> on the fare increase.
>>>>>>
>>>>>> Both Mr. Hevesi and the New York City comptroller, William
>>>>>> C.
>>>>>>
>>>> Thompson
>>>>
>>>>>> Jr., called on the authority’s board to postpone the vote
>>>>>>
>>>> Thursday until
>>>>
>>>>>> Mr. Hevesi’s office completed its review of the authority’s
>>>>>> books.
>>>>>>
>>>>>> MTA debt is what is driving up the fares of the MTA. They
>>>>>> have been
>>>>>> rolling in public financed doe through out the fat years and
>>>>>>
>>>> now they
>>>>
>>>>>> must face the reality of a deep recession and a declining
>>>>>> City
>>>>>>
>>>> economy.
>>>>
>>>>>> And it is LONG time for New York City to get its SUBWAY BACK
>>>>>>
>>>> without the
>>>>
>>>>>> interference of Albany. It is time for the Queen of Hearts
>>>>>> and
>>>>>>
>>>> to stop
>>>>
>>>>>> the lies that our current state legislator is somehow
>>>>>>
>>>> responsible for
>>>>
>>>>>> the MTA’s crimes. If a massive fair hike comes on March
>>>>>> 25th,
>>>>>>
>>>> it will be
>>>>
>>>>>> squarely the fault of the MTA. OFF WITH THEIR HEADS. It is
>>>>>> high
>>>>>>
>>>> time to
>>>>
>>>>>> end the MTA
>>>>>>
>>>>>>
>>>> --
>>>> http: //www.mrbrklyn.com - Interesting Stuff
>>>> http: //www.nylxs.com - Leadership Development in Free Software
>>>>
>>>> So many immigrant groups have swept through our town that
>>>> Brooklyn, like
>>>> Atlantis, reaches mythological proportions in the mind of the
>>>> world - RI Safir
>>>> 1998
>>>>
>>>> http://fairuse.nylxs.com DRM is THEFT - We are the STAKEHOLDERS -
>>>> RI Safir
>>>> 2002
>>>>
>>>> "Yeah - I write Free Software...so SUE ME"
>>>>
>>>> "The tremendous problem we face is that we are becoming
>>>> sharecroppers to our
>>>> own cultural heritage -- we need the ability to participate in our
>>>> own
>>>> society."
>>>>
>>>> "> I'm an engineer. I choose the best tool for the job, politics
>>>> be damned.<
>>>> You must be a stupid engineer then, because politcs and technology
>>>> have been
>>>> attached at the hip since the 1st dynasty in Ancient Egypt. I
>>>> guess you missed
>>>> that one."
>>>>
>>>> © Copyright for the Digital Millennium
>>>>
>>>>
>>>>
>>>> --
>>>> Read the GUARANTEE: www.paymymortgageearly.com
>>>>
>>>>
>>>>
>>>>
>>>>
>>>> --
>>>> Regards,
>>>>
>>>> Evan M. Inker
>>>>
>
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