I vote incompetent! Servicers have actually been a big part of fueling the foreclosure crisis, too, though funnily enough, you don’t hear about them much. They lose payments, put payments into a “suspense account” if one is late, then forget where the suspense accounts are . . . It’s like the money disappears into a black hole, never to return. Let’s just say the NYT story is not at all uncommon.

People will refinance to get away from what they thought was a bad bank, only to find they are still stuck with the same incompetent servicer.

Whether servicers are designed that way? Well, that’s the stuff of class action lawsuits, so good luck getting anyone to admit to that.

This is very thought provoking piece. I can tell you from personal experience that upon going on Antidepressants in the 1990’s, I quickly left my wife and went from being shy with the fairer sex to being outlandishly bold. I made a similar transition in business. All for the good, in my case. Others might disagree.

But it seems those above and before me, must have done their apprenticeship with a criminal gang. The criminal mind knows not to leave incriminating evidence lying around/out in plane sight/easy to lay ones hands on.

I would have like to see the in house e-mails for Wells Fargo on this one lol, let the finger pointing begin.

Skippy

While this particular Sikh is not a known terrorist, Sikh terrorist did blow up an Air India Jumbo Jet, planted a bomb on luggage of another aircraft which exploded on the ground in Japan, and so on.

So while the driver’s action is reprehensible, it is not true that Sikhs should be completely disassociated from “terrorists”.

Individual Sikhs, however, should be innocent until proven guilty.

Thanks, ‘Committee to Save the World’!

What all this has to do with an excessively free market is a mystery to me.

Nonetheless, The Year of The Ox (Yin, 2nd Trine, Fixed Element Water) may offer us the possibilities and characteristics of crap associated with states of being that may evolve towards things being: Dependable, calm, methodical, patient, hardworking, ambitious, conventional, steady, modest, logical, resolute, tenacious. Can be stubborn, narrow-minded, materialistic, rigid, demanding.

See also: We should also keep in mind, that if the Lunisolar calendar ends in 9 it is Yin Earth.

土 Earth
Centre（中）
Three Enclosures, Change of seasons
The Yellow Dragon（黄龙）
The Planet Saturn（土星）
The Color Yellow（意）
Digestive system, Spleen（脾） and stomach（胃）
Powerful, Wise, Patient, Militaristic, Prideful, Prudent, Stable, Reliable, Hard-working, Ambitious, Stubborn, Seeks to Conquer
Disciplined, Rigid, Controlling, Tenacious, Logical, Governed by Service and Duty to Others
Earth Governs Dragon, Sheep, Dog and Ox. It is the central balance of the elements and can lend qualities to all 12 animals as well.

But not limit thyself to just that stuff and hence open yourself to even greater possibilities here: 2009 World Predictions still updating…

Gimme a break. When I make my payment every month, it has no trouble making it to whomever owns the mortgage. The road only leads to nowhere when the issue is making note mods. Then all of a sudden (conveniently) it can’t be done because there’s no paper trail. Perhaps the borrowers in question should just stop making payments.