Pictures of Cats
Do you enjoy seeing pictures of cats arround the world? You can get almost 138643 photos of cats on the Flickr cats tag. Not all of them are cats, but most. You can also subscribe to the feed for the cats tag and be notified when anyone posts a new picture tagged as cats.
Source: catscrunch.com
MORTGAGE OPERATIONS MERGE A STRATEGY FOR GROWTH
DBusinessNews.com Jun 28 2009 4:04PM GMT
Source: c.moreover.com
Oh My Dog! I Love These Talking Cats!
This video of cats talking has been all over the Internet but I had to feature it on my site too! I love that cat fella talking about "All the live long day".
And wait until you see me talking! Meowww...
Source: catscrunch.com
OTS 09-035 - Agencies Issue Interim Final Rule for Mortgage Loans Modified Under the Making Home Affordable Program
Office of Thrift Supervision Jun 28 2009 11:43AM GMT
Source: c.moreover.com
Expert calls for mortgage taskforce
Sunday Business Post Jun 28 2009 6:41PM GMT
Source: c.moreover.com
Mortgagee sales continue to increase
Radio New Zealand Jun 28 2009 4:36PM GMT
Source: c.moreover.com
REAL ESTATE SETTLEMENT PROCEDURES ACT: LOAN SERVICING ABUSE REQUIRES QUICK GOVERNMENT INTERVENTION
Reporter Kristi Marohn with the St. Cloud Times wrote an excellent article, "Experts: Improper fees play part in crisis--Servicers may benefit from loans in default" on how some loan servicing companies are engaging in abusive tactics which is helping fuel mortgage defaults across the United States.
The loan servicing companies typically do not own the loans they service and profit margins of just servicing loans is actually fairly small but they can make a tremendous amount of money in tacking on fees and penalties. Loan servicing companies can make even more money if a loan goes into foreclosure because they can charge even more fees.
The ongoing frustration for homeowners, attorneys, and others is that many loan servicing companies are simply none responsive to problems associated with the loans they service. We are seeing fees being charged to consumers for such things as Pre-paid Late Fees for all of 2009, 2010, 2011 or Pre-paid monthly inspection fees for years in advance when there is no inspection even done.
The charging of these fees is a direct cause for an increase in foreclosures across the United States. We are seeing these fees and many other unknown fees being charged now when borrowers enter into loan modification agreements which is why the default rates are so high for those borrowers who have entered into a loan modification only to find themselves stuck again in foreclosure because the fees that were charged forced them into foreclosure once again.
RESPA's Section 6 is routinely ignored by the loan servicing companies as most Qualified Written Requests are either totally ignored or the information they provide is non-information or a letter stating that the law does not require them to give information to the borrower on his/her own loan.
Loan servicing fraud is very prevalent and one must be very diligent when evaluating causes of action. When evaluating a claim please make sure you pull the courthouse records to make sure the signatures of the borrowers are actually the borrowers. We are seeing and hearing of many cases where the loan servicing employees are forging borrowers signatures to documents. These documents often increase the fees so much that it forces homeowners into foreclosure because they can't get anyone on the phone from the loan servicing companies to fix or even address the problems the loan servicer itself caused.
We urge everyone to call your congressman and senator and request they regulate this industry. This is a completely unregulated industry and the abusive behavior is fueling the credit and housing crisis in the United States. Consumers need real protection and relief from those loan servicing companies are preying on the American public.
Source: www.respalawyer.com
The first people to arrive in America traveled as at least two separate groups to arrive in their new home at about the same time, as per new genetic evidence published online on January 8th in Current Biology, a Cell Press publication. After the Last Glacial Maximum some 15, 000 to 17, 000 years ago, one group entered North America from Beringia following the ice-free Pacific coastline, while another traversed an open land corridor between two ice sheets to arrive directly into the region east of the Rocky Mountains. (Beringia is the landmass that connected northeast Siberia to Alaska during the last ice age.) Those first Americans later gave rise to almost all modern Native American groups of North, Central, and South America, with the important exceptions of the Na-Dene and the Eskimos-Aleuts of northern North America, the scientists said........ 
A limestone countertop, a practiced eye and Google Earth all played roles in the discovery of a trove of fossils that may shed light on the origins of African wildlife. The circuitous and serendipitous story, featuring University of Michigan paleontologists Philip Gingerich, Gregg Gunnell and Bill Sanders, is the subject of a segment on the award-winning television series "Wild Chronicles, " currently airing on public television stations (Episode 412-Looking Back; check listings for local air dates). "Wild Chronicles" is produced by National Geographic Television and presented by WLIW21 in association with WNET.ORG........ 
The decline of the Roman and Byzantine Empires in the Eastern Mediterranean more than 1, 400 years ago may have been driven by unfavorable climate changes. Based on chemical signatures in a piece of calcite from a cave near Jerusalem, a team of American and Israeli geologists pieced together a detailed record of the area's climate from roughly 200 B.C. to 1100 A.D. Their analysis, to be reported in an upcoming issue of the journal Quaternary Research, reveals increasingly dry weather from 100 A.D. to 700 A.D. that coincided with the fall of both Roman and Byzantine rule in the region........ 
In an unusual intersection of materials science and anthropology, scientists from the National Institute of Standards and Technology (NIST) and The George Washington University (GWU) have applied materials-science-based mathematical models to help shed light on the dietary habits of some of mankinds prehistoric relatives. Their work forms part of a newly published, multidisciplinary analysis* of the early hominid Australopithecus africanus by anthropologists at the State University of New York at Albany and elsewhere........ 
In the Mesozoic Era, 70 million years before birds first conquered the skies, pterosaurs dominated the air with sparrow- to Cessna-sized wingspans. Researchers suspected that these extinct reptiles sustained flight through flapping, based on fossil evidence from the wings, but had little understanding of how pterosaurs met the energetic demands of active flight........ 
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