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Profile Information

Gender: Female
Hometown: Seattle, for half my life
Home country: USA
Current location: Sw corner of Ala. for the rest of my life
Member since: Wed Feb 27, 2008, 02:09 PM
Number of posts: 46,096

About Me

Being the "Queen of Everything" (Mr. dixie is the Prince of What's Left) but................ Golden Retrievers RULE!!!

Journal Archives

Best Borowitz line EVER!

The Constitution's system of checks and balances is based on what now seems like a naive premise
that one of the political parties will not become criminally insane.

First 'Silk Road' train arrives in Tehran from China,reviving ancient route

This is kind of cool....

The train, carrying 32 containers of commercial products from eastern Zhejiang province, took 14 days to make the 9,500-kilometre (5,900-mile) journey through Kazakstan and Turkmenistan.
"The arrival of this train in less than 14 days is unprecedented," said the head of the Iranian railway company, Mohsen Pourseyed Aqayi.

"The revival of the Silk Road is crucial for the countries on its route," he said at a ceremony at Tehran's rail station attended by the ambassadors of China and Turkmenistan.

The journey was 30 days shorter than the sea voyage from Shanghai to the Iranian port of Bandar Abbas, according to Aqayi

2 week train trip.....can you imagine how long the camel caravan took?

Justice Scalia Dead Following 30-Year Battle With Social Progress

lol....The Onion headline


NOW we find out why Green Tree was turned over to Ditech.......mortgage fraud.!!!!!

First things first..
Those of you who have had mortgages serviced by Green Tree probably know that the previous servicer of your mortgage was a bank.
But the banks got out of the servicing business when new laws were passed that reduced their ability to cheat mortgage customers.
Instead, the mortgage servicing rights were sold to NON bank companies, like Nationwide and Green Tree, because non-bank companies did not have to obey the then new banking laws.
And, sure enough, illegal mortgage practices continued.
So, eventually, new laws, thanks to Elizabeth Warren, were passed for non-bank mortgage servicers.

Both Green Tree and Ditech are owned by the same company, Walter Investments, which is having a lousy year, going from 23.00 to 7.78 a share, since the Feds have been investigating them.
Both Ditech and Green Tree were collection agencies before getting into mortgage biz.

Last April, the verdict was handed down: Please note this is due to Elizabeth Warren via "her" creation of the CFPB..
(Consumer Financial Protection Bureau)

Green Tree must Refund Consumers $48M For Array Of Deceptive Practices

The mortgage servicer failed to honor modifications for loans transferred from other servicers, demanded payments before providing loss mitigation options, delayed decisions on short sales, and harassed and threatened overdue borrowers. Green Tree has agreed to pay $48 million in restitution to victims, and a $15 million civil money penalty for its illegal actions.

“Green Tree failed consumers who were struggling by prioritizing collecting payments over helping homeowners,” said CFPB Director Richard Cordray. “When homeowners in distress had their mortgages transferred to Green Tree, their previous foreclosure relief plans were not maintained. We are holding Green Tree accountable for its unlawful conduct.”

Specifically, the Bureau and the FTC allege that from 2010 to 2014, the company:

Demanded payments before providing loss mitigation options: Delinquent consumers who called Green Tree were automatically routed to a debt collector. The CFPB and FTC allege that consumers who wanted to speak with a customer service representative or loss mitigation specialist rather than a collector found that there was no way to do so and were sometimes told that they had to make a loan payment before they could be considered for a loan modification. In reality, consumers did not need to make payments on their loans before they could be considered for a loan modification. For example, the Home Affordable Modification Program (“HAMP”), which Green Tree participated in, does not allow participating servicers to require consumers to make payments before considering them for a loan modification.

Failed to honor in-process modifications: Because Green Tree was rapidly expanding its mortgage servicing business, it often acquired customers who already had an agreement with their previous servicer to modify their loans. The complaint alleges that Green Tree, in many instances, failed to honor these agreements and insisted that consumers pay their old higher mortgage payment.

Delayed short sales: Green Tree’s short sale department was frequently unreachable and unresponsive. The complaint alleges that in numerous instances, Green Tree took two to six months to respond to consumer requests for short sales. This could have cost consumers potential buyers, and it may also have cost them other loss mitigation alternatives while their short sale requests were pending.

Harassed and threatened overdue borrowers: The CFPB and FTC allege that if a consumer was two weeks or more past due, Green Tree consumers could receive seven to 20 phone calls a day. Some Green Tree representatives also told consumers that nonpayment of their mortgage loan could result in arrest or imprisonment. Or, representatives threatened seizure or garnishment of the consumer’s wages when Green Tree had no intention to take such actions. Such threats are illegal.

Used deceptive tactics to charge consumers convenience fees: The Bureau and the FTC allege that Green Tree deceived consumers to get them to pay $12 for its pay-by-phone service, called Speedpay. Green Tree representatives would pressure consumers to use the service by telling consumers that Speedpay was the only available payment method to ensure the payment would be received on time. In fact, Green Tree accepted other payment methods that do not involve a fee, such as checks and ACH payments, which consumers could have used to make a timely payment.

This enforcement action covers Green Tree’s illegal practices prior to the January 2014 effective date of the CFPB’s new mortgage servicing rules.

Thank you, secret admirers, for the hearts.

I wasn't able to buy and share this time around ( medical bills)
so I appreciate your thinking of me.

How many times did Rubio repeat himself tonight???? n/t

Last night, HBO VICE show had an excellent report on ISIS

Current maps of who controls what and where, interviews with people in various parts of the country, including ISIS fighters.

VICE Special Report: Fighting ISIS - Promo (HBO)

Clinton, from the debate: "And yes, the economy is rigged in favor of those at the top."

Hillary Clinton’s net worth is $31.3 million.
Our Hillary Clinton net worth number comes from analyzing her 2015 U.S. Public Financial Disclosure Reports.
Bill Clinton has an estimated net worth of $80 million.
That gives a combined Bill and Hillary Clinton net worth of $111 million dollars.

U.S. presidential candidates aren’t required to reveal their exact net worth, so Hillary Clinton’s net worth is only available within a range.
That means learning Hillary Clinton’s net worth can only be done by averaging out her reported min and max figures.

In May of 2015, Hillary Clinton reported net worth assets of at least $10,830,007 and at most $51.7 million.
Mrs. Clinton did not report any real estate or debts.
If the Clintons do own property or debts, it’s all in Bill Clinton’s name.
Placing assets and liabilities in Bill’s name would mean they wouldn’t be reported as part of Hillary Clinton’s net worth.

Hillary Clinton net worth vs Bernie Sanders net worth: 59 times larger.

Roh-oh...Clinton Foundation received subpoena from State Department investigators

Investigators with the State Department issued a subpoena to the Bill, Hillary and Chelsea Clinton Foundation last fall seeking documents about the charity’s projects that may have required approval from the federal government during Hillary Clinton’s term as secretary of state, according to people familiar with the subpoena and written correspondence about it.

The subpoena also asked for records related to Huma Abedin, a longtime Clinton aide who for six months in 2012 was employed simultaneously by the State Department, the foundation, Clinton’s personal office, and a private consulting firm with ties to the Clintons.

I have been really curious about that last bit about Abedin, but until now had to no idea he was doing FOUR Clinton related jobs all at the same time.

Sounds horrible......"Firefox can deliver on-screen notifications even when that site isn’t loaded"

Why would I want this feature ???

Starting with version 44, Firefox can deliver on-screen notifications even when that site isn’t loaded. Using the Push API, a W3C standard, Firefox receives a push message and can show notifications (if permitted by the user) at any time.

Sites can also use Push to update data in the background even without showing you a notification.

If you already gave permission to a site to send notifications, the site will also be able to use the Push API.

You can choose whether or not to give permission for a site to send you notifications by following these instructions:
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