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This coffee is rated by 45 Customer Reviews
They won't let me rate it a 1 bean. This stuff is bad.
very smooth coffee
its awesome coffee the smell and taste won me over!!
I work for Caribou Coffee, and when this coffee first came in, we used the French press to give it a taste. After trying it we thought the flavors were way too strong and over powering, but when we brewed it in the drip brew, it was amazing. This coffee has been added to my list of top favorite coffee's Caribou sells!
Still prefer Fireside but they discontinued it.
This coffee is a wonderful find. It embodies what you want in a coffee. It is smooth, and silky. Very rich and satisfying. It definitely has a nose of licorice, but has a bright taste. It is bold enough to drink anytime of the day, but smooth and balanced enough to refresh you in the morning. Great coffee!
The perfect coffee to drink black.
I think it's pretty tasty!
Very juicy coffee...
love this coffee!
Just tried this blend today and I love it! I usually prefer the light roast BUT this dark roast is the best! Thank you caribou!
Not as flavorful as I thought it would be.
Usually drink light roast, but this was recommended. VERY glad I tried it. I don't like any "wierd" coffee - just good, balanced, "regular" coffee. We go through A LOT of coffee, and have tried a lot that were good, but Ethiopia Finjal is GREAT. I think we've found our stopping place. Please don't discontinue this one! (Drip, paper filter, ground in store, 1 lvl tbsp / cup)
The new best. Incredible.
well, when i drink this coffee I feel like i am in Africa!!!!
WWWWWWWWWWWWWWWWWOW! This coffee is really flavorful and delicious and for once I can really taste what's in the description. 5 BEANS!
I LOVE it
I like roasts that are darker. Would love you to produce more new coffees that aren't so weakly roasted. Feel I miss out on many an experience but so-so roasted coffees aren't my cup of joe.
I love this coffee, I brew it very strong and lock the flavor away in a pre-warmed thermos and lasts me all day.
The absolute best coffee ever. Delicious. Bold without being ridiculous. Full bodied with balance.
Fine for getting a caffeine fix... nothing to write home about if looking for a good coffee to enjoy.
The best coffee in the world!
Really good, clean, smooth, bold, flavorful coffee, with none of the pretentious garbage. My new favorite, by a long shot!
I love how the aroma of the coffee tasted and I liked the darkness of the roast.
I love how the aroma of the coffee tasted and I liked the darkness of the roast.
I heard this coffee is being discontinued? Why?
This is the most delicious and satisfying coffee I have ever had. After tasting this, I can hardly drink anything else.
5 Beans
i think its amaaaaazing!
It's nasty...Bring back Acacia!!!
One of the better roasts you have.
Amazing in the French press! Silky smooth wonderful flavor my FAVORITE by far! Ever!
Great stuff!
No real taste mediocre
nice and smooth
nice and smooth
Super. Smooth and silky and full of flavor.
I find Finjal to have an earthy flavor that comes too close to the taste of actual dirt. This is my least favorite of all the Caribou coffees, and I wish they would remove it from their offerings.
I find Finjal to have an earthy flavor that comes too close to the taste of actual dirt. This is my least favorite of all the Caribou coffees, and I wish they would remove it from their offerings.
Great smooth taste!
Great and rich inits flavor
Seldom see it served and with bad memory forgot it was not so good ordering it when it was daily offering.
I love this coffee!! The Ethiopian Beans are my favorite, as they are so smooth. I have tried many versions for many regions, and this is top notch!
Best coffee ever, love that it's organic to boot.
Best coffee ever, love that it's organic to boot.
This is my new favorite cup of coffee. It is so easy to drink and doesn't seem to give the lingering aftertaste coffees can give.


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Stuart Pearce is currently in charge on a part-time basis for the European Championship in Holland.
But FA director of football development Brooking says moves will be made to bring in a permanent coach this summer.
He told BBC Radio Five Live: "We all feel the post should be full-time and we will be looking at that shortly after the end of the tournament."
Pearce is currently in charge until the end of the tournament and will hope to make his case to be handed the post.
Brooking added: "We have always said we will wait until the end of the tournament, but Stuart Pearce has organised them really well.
"It is down to the professional game members of our main board to agree the sort of contract we can offer, and that will be relevant to the sort of person we can attract."

subset: commoncrawl


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Florida education news: Science lessons, art teachers, start of school and more
CRAZY FOR SCIENCE: Chocachatti Elementary teacher Ruth Markham becomes "Professor Marshmallow" to conduct fun science experiments with kids. (Times photo, Will Vragovic)
CUTS COMING: The Pinellas School Board prepares to consider proposed budget cuts including 400 layoffs.
READY TO GRADUATE: Hudson High seniors tailgate for one last time to hang out together. • Pasco High seniors reminisce at their annual year-end cookout.
DEPARTING: Berkeley Prep headmaster Joe Merluzzi retires after 24 years running the Tampa area's largest private school.
TOP OF THE CLASS: Robinson High math team's finish adds up to growth • Gulf Coast Academy eighth-graders' hovercraft wins Wow! Award
LABOR NEWS: Miami-Dade teachers reach a tentative contract deal that protects their jobs but provides no raises, the Miami Herald reports. • Marion school bus drivers offer to take a 2 percent pay cut if everyone else does, too, the Ocala Star-Banner reports.
BUDGET CUTS: Lack of funding means several low-income Orange schools go without art, music teachers, the Orlando Sentinel reports. • Even after announcing layoffs, the Polk School Board needs to find millions more in spending reductions, the Lakeland Ledger reports.
NO WAIVER: Okaloosa school officials can't get around Florida's school start-date law despite repeated requests, the Northwest Florida Daily News reports.
TOO EXPENSIVE: The Martin School Board rejects a contract for a leadership training consultant, the Stuart News reports.
ONE WEEK: The Palm Beach School Board gives the county convention and visitors bureau one week to come up with a plan to keep high school graduations in downtown West Palm Beach, the Palm Beach Post reports.


text:
EAST Lancashire's maternity service has received another boost after it was given the best scores in the North West in a patient survey.
The results of the Care Quality Commission study have been highlighted by midwifery bosses at Burnley General Hospital, who are still on a high after receiving a major national award from the Royal College of Midwives.
Anita Fleming, head of midwifery, collated the scores of neighbouring hospital trusts for a local Maternity Service Liaison Committee meeting, and found East Lancashire Hospitals NHS Trust (ELHT) was the top performer.
And further analysis by the Lancashire Telegraph showed the trust's scores were the best in the region.
The service, which includes the main maternity centre at Burnley, plus midwife-led birthing units in Blackburn and Rossendale, was rated nine out of 10 for questions about 'labour and birth', which included a top score of 9.7 for 'involving partners'.
It was given a rating of 8.7 for its staff and 8.1 for 'care in hospital after birth'.
Although the CQC said that nationally, the scores were 'about the same as most other trusts', bosses felt a comparison with neighbouring trusts was a more appropriate measure.
Mrs Fleming said: "We are really pleased with the score the trust has achieved in the CQC survey, which is testament to the hard work and dedication of all our staff who work within our maternity service. We will ensure that we continue to deliver safe and effective care for all mothers and babies born in the East Lancashire area."
The scores also showed a significant improvement on the last survey results in 2010, she said.
In January, ELHT was named the 'Maternity Service of the Year' at the Royal College of Midwives annual awards, after being praised for supporting staff, promoting 'normal births' and reducing caesarean section rates.
And yesterday, staff at Blackburn Birthing Centre celebrated their 3,000th delivery since the unit opened in 2010.


text:
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September 27, 2013
The California Air Resources Board announced millions more in funding for state programs to help truckers comply with the state's emissions regulations.
CARB voted to move $8 million from other clean vehicle projects into its Truck Loan Assistance Program. The program helps small-business fleet owners finance truck upgrades required under the CARB's In-Use Truck and Bus Regulation. Since 2009, this program has provided about $210 million in private financing to help truck owners purchase cleaner trucks, exhaust retrofits and truck efficiency upgrades.
The Legislature also recently provided another $18 million for Truck Loan Assistance Program.In addition, funding for this year's Hybrid and Zero-Emission Truck and Bus Voucher Incentive Project was increased by $10 million to $15 million. This program provides vouchers of up to $55,000 to help California fleets purchase cleaner, advanced technology trucks and buses. CARB expects vouchers to become available at participating dealerships beginning in December.
We offer e-newsletters that deliver targeted news and information for the entire fleet industry.
Scott Sutarik from Geotab will answer your questions and challenges
Steve Carlson from Xantrex will answer your questions and challenges
Meritor Looks to Electrified Future
Watch: Advanced Driver Assistance Systems Topic of NTSB, NSC Panel
Focus On… Volvo VNR 300 [Video]
Focus On… Volvo Trucks VNR 640 [Video]
Aftermarket Air Dryer Cartridge Uses Recycled Desiccant
Ancra Beam Rack Keeps Cargo Beams Tidy
Mickey Unveils 21st Century Trailer
Trail King Offers MG-HG Interchangeable Gooseneck Trailer


text: Show Hide image Politics 24 August 2010 Taro Pharma net sales rise in Q2 Net sales rise slightly to $97.97m, while gross profits fall to $56.6m Sign up for our weekly email * Taro Pharmaceutical has reported net sales of $97.97m for the second quarter ended 30 June 2010, compared to $96.82m for the comparable period in 2009. Taro has posted a net income of $18.93m for the second quarter 2010, or $0.46 per diluted share, compared to net income of $12.49m, or $0.31 per diluted share, for the comparable period in 2009. Operating income for the second quarter ended 30 June 2010 was $19.88m, compared to $20.63m for the comparable period in 2009. Gross profit for the second quarter was $56.6m, or 58% of net sales, compared to $57.9m, or 60% of net sales for the second quarter of 2009. The second quarter of 2009 was particularly robust as a result of the introduction of new products and pipeline fill. Taro is a multinational, science-based pharmaceutical company engaged in the discovery, development, manufacturing and marketing of healthcare products. Subscribe from just £1 per issue More


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Three days ago, I reported on a Gmail security flaw resulting in the theft of my domain name.
Today, I'm pretty humbled and relieved that I've got davidairey.com back. The response was overwhelming and can't thank you enough.
Soon after publishing my story, I was receiving floods of visitors from NYTimes, Digg, StumbleUpon, Reddit, Lifehacker and many other sites.
50,000 daily visitors crashed my server, but only for a short time as the folk at ICDSoft (my host) were very helpful. ICDSoft worked outside the normal remit of their services to change my previous post from a dynamic PHP web page to static HTML, setting a rule to redirect all visitors to the latter. This greatly reduced the server load, allowing my shared server hosting plan to cope with the influx.
How did I get my domain back?
After reading my story, some of you contacted me, saying that you know the CEO of GoDaddy.com, Bob Parsons, and that you would get in touch with him, asking if he could help.
Soon after, I was contacted by Karen, one of Bob's very friendly and helpful colleagues, asking me to complete an Undo of Change request form. This involved me supplying an image of my drivers license for photographic ID, and hand signing the form, then emailing a scan. The completed document would allow GoDaddy to negate the transfer process that took my domain name from ICDSoft to their systems. The form said to allow three business days for an intitial response, but some email ping-pong during the last few hours resolved the process much faster. For this I am very grateful. Thank you Karen.
I was requested to open a free account with GoDaddy, and supply them with my customer account number. This I did, and soon after I was again the rightful owner of davidairey.com.
Update: April 1st 2011
I ended-up storing 10-15 domains in my GoDaddy account, but I've since moved away from the company, mainly for this reason.
I accept my share of the responsibility
I've read on other websites that I deserved what I got, and that using Google's free Gmail service for business is naive. Perhaps. I hate shifting blame onto another person or organisation, but here's the crux: I'm almost sure my story wouldn't have received the attention it did if the headline read something like:
"My naivety allows hacker to steal domain"
Isn't this (below) more newsworthy?
Google's Gmail security failure leaves my business sabotaged
I've been picking-up copywriting tips over the past year, and although I have a lot to learn, I reckon I put them to good use (thanks Brian).
I chose to use my blog against a criminal, and if that made it sound like I was pointing the finger of blame, so be it.
What about the cracker?
No, not a Christmas pun. I've been informed that cracker is the correct term for the criminal who stole my domain name:
"Just to let you know, the filthy person who did this to you is referred to as a "cracker" not a "hacker". A hacker is someone who tweaks things to their purposes. A cracker is a low-life who attacks other people with malicious intent. There is a big difference."
Many of you have been digging around the net, searching for clues and pointers as to who/where this thief is. You've used the cracker's email address I supplied, posing as potential buyers of my domain name to glean more personal info.
It seems the thief has been selling stolen domain names for some time, advertising his loot on various web forums. The consensus sets the physical location as Iran, which ties-in with the Persian language used for certain email addresses. There has been so much information flooding in that it's fair to say I'm not the only one attacked by this miscreant.
During the next week or two I'll be sifting through it all, and will decide on further action.
What's of more immediate concern is this… If you have any SEO advice on how to prevent further damage to my search rankings, I'd be extremely grateful.
How do I halt the damage to my search rankings?
With control over both davidairey.com and davidairey.co.uk, the question now is which one should I use as my primary address?
Perhaps it doesn't even matter which one I use, providing a permanent 301 redirect is set from one to the other. I've found that a UK-based Google search for David Airey lists me higher now (with the .co.uk) than it did with the .com. Given that my local market is in the UK, the right move could be to remain with the .co.uk, rather than revert. Not sure.
I'm guessing the next step is to set my .com address to a 301 redirect to the .co.uk.
My htaccess file (which I'm not too clued-up about) is available for you to look at, and in the short-term, at least those previously referred .com visitors are arriving once more.
Any help at all would be superb, although I feel as if you've already done more than enough.
Thank you very much
When something like this happens, you don't expect so many people to offer their help.
It's testament to the good-will of the blog community that this situation is well on the way to recovery. In fact, the criminal has opened my website up to a whole new audience, who I otherwise wouldn't have reached. If you believe there's anything I can do to help you in return, don't hesitate to contact me, and I'll respond as soon as possible.


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The government has announced a major overhaul of consumer rights in the UK with the formation of a new super body to ensure consumers' interests are better represented.
Ian McCartney, the consumer minister, yesterday announced that Consumer Voice will replace the National Consumer Council, Energywatch and Postwatch. He said the new body would act as a "powerful and effective advocate" for consumers.
Yesterday's announcement ends a consultation process that started in January, although it will be around two years before it opens its doors for business.
Mr McCartney said Consumer Voice will represent the interests of consumers across a range of markets and have the "responsibility and authority to voice the concerns of all UK consumers".
It will also extend the redress scheme to resolve complaints and "to award compensation to consumers where warranted". It will deal with complaints about postal services and those not covered by the energy supply ombudsman.
"We want to give people an effective system of representation and redress that is easily accessible and offers the best possible all-round protection," he said.
"In the end, this is about getting people a better deal for their money and protecting them from being ripped off."
A spokesman said it plans to build on the success of Consumer Direct, the existing, phone-based consumer advice service, which recently took its two millionth phone call. The new body will be welcomed by consumers particularly those who have complained to Energywatch about their gas or electricity supplier.
Many have found that body had no powers to intervene after a dispute over a bill even though their case was proven.
Last November, Energywatch and Postwatch were described by the House of Commons public accounts committee as "performing feebly". Following an investigation, the MPs had found that hardly anybody had heard of either body.
However, there is one notable omission. A Department of Trade and Industry spokesman said yesterday that Consumer Voice will not cover the telecoms and broadband sector as originally proposed.
Complaints about broadband providers are currently running at record levels, although the body which oversees the market, Ofcom, rarely intervenes on consumers' behalf.
Louise Hanson, head of campaigns at the private consumer group Which, said: "Which broadly welcomes the move to consolidate a number of bodies that represent the consumer interest and we are particularly pleased to see that measures for redress have been included to help consumers when things go wrong.
"However, we hope that the merging of several consumer interest organisations will not see a drop in resourcing for essential consumer protection."


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This Forum has been archivedVisit Discussions
I just learned some great new involving Mighty the Armadillo. As it turns out Mighty might appear in later games because the guy who left Sega and took Mighty with him was a hoax and that Mighty was the 10th most popular character.--Sonic & Scrab Master 19:16, October 18, 2009 (UTC)
I doubt that. Mighty was a one-time thing and there have been many other characters still in ownership by SEGA and yet they were scrapped. Oh, and if you saw some sort of 3D pic of him, it was fanmade. And sometimes fans don't get what they want. The only way for sure is if we look at previews for upcoming games. I like Mighty, and I want him back, but I can't anticipate it.--Milotheechidna 23:37, October 18, 2009 (UTC)
No man, i promise u Might may appear in later games since he ranked #10 of the most popular characters and besides... he appeared in two games, Knuckles' Chaotix and SegaSonic for the Arcade.--Sonic & Scrab Master 01:33, October 19, 2009 (UTC)
Just because Mighty, just like most other characters who are forgotten by Sega, are popular and rate high on polls on... well is the site which poll the characters assosiated with Sega in anyway? Just because the forgotten retro characters are popular doesn't proove a return.--Mystic Monkey 16:56, October 19, 2009 (UTC)
Many people care about Mighty. and he's still featured in the Archie comics and Fleetway: Sonic the Comic and STC: Online. (i hate fleetway)Sonic & Scrab Master 19:54, November 2, 2009 (UTC)
Theres also plenty of fans for Ray, Nack, Bark, Bean. Forgotton robots like Tails Doll, Metal Knuckles and EggRobo (Respected as Robotnik's metal equivilent and badnik), Rocket Metal Sonic, Heavy and Bomb, Gamma and even scrapped characters like Tiara Boobowski and Honey are also much loved. (Even Ashura who is a total glitch!) For some reason Madonna and Sonic's band are the least remembered. the Sonic fandom isn't just about Sonic but his acquaintances as well.--Mystic Monkey 15:08, November 3, 2009 (UTC)
Hey. the EggRobo is still seen in Sonic Chronicles on the Metropolis map. Gamma is refereced by Omega in Sonic Heroes. Sonic's band is remembered but the only known members are Sonic (of course) and Vector. Hyper Metal is an upgrade of Metal Sonic (i think). Metal Knuckles is seen in one of the Sonic Advanced games. Ray, Bean and the others r in the Archie comics and Nintendo Power mistook Jet for Bean. y can't u just accept the fact that Mighty just might appear in later games. don't believe me? read his profile on the site. and some artwork is also seen on Sonic Gems Collection.Sonic & Scrab Master 01:58, November 5, 2009 (UTC)
- Im not saying I don't believe you, in fact Isupport the idea of Mighty being in any upcomming games as Sonic Team wouldn't need to make a disposable character that way. Just unless Sonic Team actually say that Mighty will be in upcomming games, then thats fact worthy of his mainspace article. Also, where is his profile that says this?--Mystic Monkey 18:28, November 5, 2009 (UTC)
20:27, November 5, 2009 (UTC)THE TROLL Thomas Michael William Patrick Sales Thetalktemplate TTT
Who's a Mighty fan!? He's out-dated!So's your sanctemonius ****!
I agree with the Magical Monkey. SEGA would not make a disposable charcter Tikal, Chaos, etc. are not disposable except Black Doom. and as proof that Mighty along with Ray, Tikal and Vanilla are not forgotten. Sonic & Scrab Master
I like Mighty,Launchballer. He's a good Archie Character.-Sharna here! Chat! Sonarna! 01:20, November 9, 2009 (UTC)
I also agree with u, Sharna. Mighty does make a way past cool Archie Character, as does everyone else in Archie, even the characters that were killed off. But he, along with everyone else makes a horrible Fleetway: Sonic the Comic character, even Sonic himself. Man, i hate Fleetway with a burning passion, sorry i had to get that out, and i don't hate Fleetway because i'm American. Anyway, There is some officail Mighty artwork in Sonic Gems Collection, so I'm pretty sure Mighty may appear, hopefully with Ray as well. Sonic & Scrab Master
I kinda doubt SEGA are decent enough to use Him again,And Yeah,Fleetway is Freaky, But if they use ANYONE again,I think it should be Marine.-Sharna here! Chat! Sonarna! 01:52, November 9, 2009 (UTC)
I'm positive SEGA will bring Mighty back. if i've learned 1 thing, it's that SEGA alway or usually listens the fans. and it hasn't even been that long ago when they last used Marine. Sonic & Scrab Master
It was like,2007 when Sonic Rush Adventure came out!-Sharna here! Chat! Sonarna! 15:56, November 14, 2009 (UTC)
Exactly! also Nack the weasel was rumored to be in Sonic Unleashed as well. you know what? it think i should change this to something involving the charcters from the past. Sonic & Scrab Master
The only reason he wasn't part of Team Chaotix in Sonic Heroes was; 1) He wasn't a real member of the Chaotix. He just happened to come across the island during the events of the game. 2) Mighty was put in the game to make room for the real Chaotix members. Sonic & Scrab Master
Mighty was a real chaotix member. If i'm not mistaken didn't all charcters happen on the island by chance? Charmy was looking for flowers, Espio was, funnily enough, a dectective and was investigating the island and Vector went to the island because he saw it as an act of god. Myself 123 16:45, November 30, 2009 (UTC)
I just realised, should this be on the Article's discussion than right here? I could be mistaken. I too also read somewhere Mighty was just passing at the time while I also read somewhere that the game took place just before Team Chaotix was organised. I can't reference as I can't remember where or when I heard it from.--Mystic Monkey 20:41, December 2, 2009 (UTC)
I hear he was vactioning in some kind of springs somewhere. SEGA didn't put him in Sonic Heroes so they could make room for Vector, Espio, and Charmy. Sonic & Scrab Master
According to the Japanese manual, all characters came to the island for different reasons. In the Western manuals, all characters are friends of knuckles who came to visit him. Myself 123 18:08, December 3, 2009 (UTC)
Well Heavy and Bomb are also members of the Chaotix but they haven't been featured afterwards. And what do you mean by the Western manual? does that mean the American or European manual. Sonic & Scrab Master
All characters 'cept heavy & bomb i mean, and yes i do. Myself 123 23:12, December 3, 2009 (UTC)
I'm pretty sure it said the ESPIO was a friend of Knuckles. and after the events of the game, The Chaotix went their seperate ways but Vector offered Espio and Charmy to join the detective agency as well as Mighty, but he refused. thus making the way for Team Chaotix in Sonic Heroes. I also hear that black and red bombs appear in one mission in SEGA Superstar Tennis, which could be a reference to Bomb from Knux Chaotix (Chaotix in Japan). Sonic & Scrab Master
I'm pretty sure the manual says that they're all visiting him and that thing about what happend aterwards sounds like fanfic. Myself 123 23:36, December 3, 2009 (UTC)
- P.S. I noticed the Black & red bombs an mentioned it as trivia on their page.
All of this was taken from the Knuckles Chaotix: According to the Japanese manual, the story was completely different compared to the western release. In the Japanese manual, a mysterious island rose from the sea shortly after the events of Sonic & Knuckles. Dr. Eggman discovered the island, and found a mysterious ring inscribed with descriptions of the Chaos Rings, ancient Rings infused with Chaos Emerald energy. In order to find these Rings, Eggman built his base, the Newtrogic High Zone, on the island. Mighty the Armadillo, Espio the Chameleon, Vector the Crocodile, and Charmy Bee also arrived at the island, and ended up being captured by Eggman and Metal Sonic, and placed in Eggman's Combi Catcher machine. Knuckles, curious about the strange island, goes there as well, and manages to rescue Espio. The two then go on to stop Eggman from getting the Chaos Rings. Sonic & Scrab Master
Yeah i already mentioned that. So, seeing as there was no chaotix before the game, that means Mighty is as much of a member as any of the others. Myself 123 01:13, December 4, 2009 (UTC)
Well i hear that Vector already had the chaotix agency before he met the others and asked Espio and Charmy to join. In Archie, they formed the Chaotix with Knuckles as the leader after Knuckles beat Metal Sonic Kai, excluding Heavy and Bomb. In Fleetway, The Chaotix consisted of Vector as the leader, Nack the Weasel, Charmy Bee, Espio the Chameleon, Mighty the Amradillo, and the Omni-Veiwer as the real leader. But Nack left as he betrayed the Chaotix for the Brotherhood of Metallix for his own greed. Sonic & Scrab Master
Neither versions of the manual Say anything about that. The Japanese manual says that he came to the island because he saw it rising from the ocean as an act of god. The American/European manual simply says he's just a friend. Myself 123 11:59, December 4, 2009 (UTC)
Of couse you didn't read that in the manuals. Vector is third in command of the Chaotix in Archie (Knuckles is head honcho and Julie-Su is second in command) and in Sonic the Comic, Vector is much smarter and is second in command coming in behind the Omni-Viewer. Sonic & Scrab Master
Yeah but what happens in the comic's isn't canon to the games. Myself 123 00:12, December 8, 2009 (UTC)
Ya know wat? I think now, we're just arguing about the manuals now. We need to get back on topic. Sonic & Scrab Master


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Toronto-Dominion Bank
Last year brought out some strong performance in the financial sector, but the tides could be turning in 2014 for Canadian banking giant Toronto-Dominion Bank (TD). This $84 billion name is starting to look toppy right now.
>>5 Stocks Insiders Love Right Now
The pattern to watch in TD is a "double top." Like the name suggests, the setup is formed by two swing highs that lose steam at approximately the same level. The sell signal comes on a move through support at $88.
Whenever you're looking at any technical price pattern, it's critical to think in terms of those buyers and sellers. Double tops, triangles and other pattern names are a good quick way to explain what's going on in a stock, but they're not the reason it's tradable. Instead, it all comes down to supply and demand for shares.
That support level at $88 is a price where there has been an excess of demand of shares; in other words, it's a place where buyers are more eager to step in and buy shares at a lower price than sellers were to sell. That's what makes a breakdown below $88 so significant -- the move would indicate that sellers are finally strong enough to absorb all of the excess demand at that price level. Wait for that indication before you sell.


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Friday, August 20, 2010
I'm Never Doing Leadville
Every year it's the same. I call Hillene. And every year the conversation get's flipped into this "Rabid! You need to do Leadville." Every year. I'm not kidding. And every year I spill my guts about how I'm slow. And timid. And lack bike skills. And have no one to train with. And on and on and on...
The biggest reason, however, is the duration of this bike race. I'd be lucky to finish it under 12 hours. The longest I've ever spent on a bike was three hours -- and that was because I got lost. Folks, my taint just ain't built for 12 hours on a bike.
It just 'tain't.
7 comments:
Rabid, you could rock Leadville.
I've watched you drive somebody else's suburban like a pro through Ragnar backcountry and handled it like you had been doing it forever. You have SKILLS, man. I'm sure you can drive a bike.
The altitude isn't that much higher than Jupiter Peak (what's a couple thousand feet among friends). You rocked that one too.
There is that length of time thing. It just takes some working up to. Which takes a lot of time. And a lot of commitment. And some malfunctioning brain cells. Do you have all that?
- August 20, 2010 at 1:00 PM
- Ski Bike Junkie said...
You'd smoke Leadville.
I must be smoking something, too, because I want to do it again.
- August 20, 2010 at 1:18 PM
- Keli said...
Taint is one of my many giggle words. I'm giggling right now. ;)
- August 20, 2010 at 1:25 PM
- Jessica said...
I love that posts like this pull out all the bikers that read your blog.
And I would have to agree that you are one of those awesome people who would rock something like Leadville, because that's just how you roll.
- August 20, 2010 at 1:31 PM
- Winder said...
Well, I always said I am never, ever going to run a marathon...Oh and guess what I haven't.
- August 20, 2010 at 9:30 PM
- rabidrunner said...
Taint's one of my giggle words too! Taint, taint, taint!
Rad, I appreciate your confidence, however, I'm convinced that riding a bike and driving a Suburban are two completely different skills. Of course, I don't own a suburban so naturally, one would think, on my first driving of a Suburban, that I have natural driving skills. BUT! You've yet to see me ride a bike. Don't be fooled by the prowess of my Suburban driving.
Junkie, doubt you're smoking anything -- you're just a junkie for punishment. Do I recall that you are one of those macho single-speeders? I do recall that for some reason.
Jessica, I'd roll all right. Right off the trail and into a ravine of some sort.
- August 22, 2010 at 8:57 PM
- Lars said...
I love that you said taint. Even better you made it into a rhyme. I ride 30 miles and wonder why I am punishing my no zones.
- August 26, 2010 at 12:23 AM


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As Regulators and Banks Review Foreclosures, We'll Be Watching
As regulators launch an unprecedented plan to compensate victims of wrongful foreclosures, ProPublica will be watching closely.
The country's bank regulators are launching an unprecedented plan to undo some of the damage done by mortgage servicers, compensating victims of shoddy or illegal foreclosure practices. Part of the plan involves a massive outreach effort to contact the potentially millions of borrowers affected.
Exactly how this will unfold is, for now, unclear; if regulators hold true to form, the process figures not to be transparent. Homeowner advocates applaud the idea of the banks righting their wrongs but are skeptical the process will be thorough and fair. The regulators don't "have a good track record at identifying or fixing servicer misbehavior," said Diane Thompson of the National Consumer Law Center.
ProPublica will be watching closely. We'd like to hear from current and former homeowners who wrongfully faced foreclosure in the last couple of years. Much as we've tracked the administration's mortgage modification program, we'll be tracking what happens with these cases.
Last week, regulators released "consent orders" that laid out problems at many of the country's biggest servicers (see sidebar for the list), which collectively handle almost 70 percent of the country's mortgages. The orders followed an investigation prompted by widespread revelations last fall that servicers were regularly filing false affidavits signed by so-called "robo-signers." According to the orders, regulators found that servicers weren't properly evaluating homeowners for loan modifications, had wrongly foreclosed on some homeowners, and in addition to doing a generally poor job, had broken the law. (None of this should surprise those who've been reading our coverage.)
You can see the regulators' report on their investigation and all of the orders here.
To fix the ongoing problems, the orders lay out broad principles that servicers should follow -- basics such as having sufficient staff, training them adequately, not losing documents, etc. But because the orders are so general, borrower advocates have been vocal in saying they won't be enough to fundamentally change the industry's cost-cutting ways or to ensure that homeowners are properly evaluated for a modification.
The orders include a requirement for the banks to do foreclosure reviews to address problems that have cropped up during recent years. The process will start immediately but won't culminate until early 2012.
Each bank is required to hire an outside firm to review all of its foreclosure actions in 2009 and 2010. The firm will be tasked with looking for certain violations (see our list below), ranging from robo-signed affidavits and forged documents to foreclosure sales that occurred without a proper review for a modification. Based on those findings, banks will compensate the victims, or as the orders put it, "remediate all financial injury to borrowers caused by any errors, misrepresentations, or other deficiencies."
So, how exactly will this work? Many of the details remain unclear, but we spoke to regulatory sources who provided some additional information.
Over the next couple months, the banks will hire the outside firms to conduct the reviews. The actual reviews are expected to begin this summer. They are supposed to cover all mortgages that were in the foreclosure process at any point in 2009 or 2010, but because that involves more than 3 million loans, the firms will use sampling to do their analysis.
The process won't be strictly internal, however. Regulators also will require some form of outreach. It's likely, for instance, that all the banks will be sending letters to every homeowner who was in foreclosure in 2009 or 2010.
Of course, some of these people are likely to be former homeowners who may well no longer reside at the same address. There might also be a kind of ad campaign, but regulators acknowledge these people will be tough to reach.
However it's done, there will be some way for homeowners to submit their complaints to banks. Those who think they might be eligible for reimbursement or remediation should "get their documents together," said one regulatory source. When the reviews launch in the summer, it should become clear exactly where those complaints should go. (You can be sure we'll post that information when it's available.)
It's still anyone's guess what will happen after complaints are submitted. Among the important unanswered questions: whether the review will involve homeowner interviews; how the outside firms will investigate claims of violations; whether those who complain will receive some sort of explanation if they're denied; and how banks and regulators will calculate what victims are owed.
Thompson, of the National Consumer Law Center, said she worries the reviews will "shift the burden onto homeowners" to prove they were wronged. Homeowners won't necessarily have kept the documents that demonstrate harm, she said. Even those who do have documentation may not know they were wronged, she added. They wouldn't know, for instance, whether the fees they were charged were improper or whether they were considered for a modification.
If the reviewers do no investigation of their own and simply reply on homeowners to submit proof of wrongdoing, she said, it will miss most of the problems: "The process and remediation will serve as a whitewash for servicer misbehavior without actually either remediating past errors or preventing future ones."
The reviews are expected to culminate late this year or early next year, when checks are scheduled to go out to victims. Regulatory sources told us that the total amount sent to eligible homeowners would likely be disclosed. Even before this phase, observers may get a hint of what's happening if, as expected, regulators levy financial penalties against the banks. The findings of the reviews will determine the size of those penalties, regulatory officials said.
Regulators have done similar reviews in the past to compensate victims of bank wrongdoing, but not on this scale. In 2008, the Office of the Comptroller of the Currency (one of several regulatory agencies for the biggest banks and servicers, such as Bank of America, Wells Fargo, JPMorgan Chase, and Citibank), oversaw a process that resulted in Wachovia Bank issuing $150 million in checks to more than 740,000 consumers for the bank's role in a telemarketing scam. Regulators acknowledge, however, that the foreclosure reviews, which will involve 14 banks, millions of consumers, and billions of dollars in claims, is in a class of its own.
If you think you're a borrower who should be compensated through this process, we want to hear from you. We also want to hear from homeowners who have mortgage servicers not covered by this process (there are some large ones), because they might be covered by efforts from other regulators down the line.
Here's the language from the Consent Orders that describes the scope of the foreclosure review:
The purpose of the Foreclosure Review shall be to determine, at a minimum:
(a) whether at the time the foreclosure action was initiated or the pleading or affidavit filed (including in bankruptcy proceedings and in defending suits brought by borrowers), the foreclosing party or agent of the party had properly documented ownership of the promissory note and mortgage (or deed of trust) under relevant state law, or was otherwise a proper party to the action as a result of agency or similar status;
(b) whether the foreclosure was in accordance with applicable state and federal law, including but not limited to the SCRA and the U.S. Bankruptcy Code;
(c) whether a foreclosure sale occurred when an application for a loan modification or other Loss Mitigation was under consideration; when the loan was performing in accordance with a trial or permanent loan modification; or when the loan had not been in default for a sufficient period of time to authorize foreclosure pursuant to the terms of the mortgage loan documents and related agreements;
(d) whether, with respect to non-judicial foreclosures, the procedures followed with respect to the foreclosure sale (including the calculation of the default period, the amounts due, and compliance with notice periods) and post-sale confirmations were in accordance with the terms of the mortgage loan and state law requirements;
(e) whether a delinquent borrower's account was only charged fees and/or penalties that were permissible under the terms of the borrower's loan documents, applicable state and federal law, and were reasonable and customary;
(f) whether the frequency that fees were assessed to any delinquent borrower's account (including broker price opinions) was excessive under the terms of the borrower's loan documents, and applicable state and federal law;
(g) whether Loss Mitigation Activities with respect to foreclosed loans were handled in accordance with the requirements of the HAMP, and consistent with the policies and procedures applicable to the Bank's proprietary loan modifications or other loss mitigation programs, such that each borrower had an adequate opportunity to apply for a Loss Mitigation option or program, any such application was handled properly, a final decision was made on a reasonable basis, and was communicated to the borrower before the foreclosure sale; and
(h) whether any errors, misrepresentations, or other deficiencies identified in the Foreclosure Review resulted in financial injury to the borrower or the mortgagee.
119 comments
Thanks, Paul.
1.) Please put loan mods back into the home page header, it got bumped out this week.
2.) Please tell us who is overseeing the contractors - whom can we contact to insist on oversight that is rigorous? We can at least ask for them to have our backs. Is it the OCC? Please tell us it isn't.
3.) Readers who have PO boxes, at the post office or a 'mail box' store, should use that address in all correspondence with the lender and local property tax agency. Maintaining a post box costs $40/yr. or less and is a godsend in situations like this, where after-the-fact contact is needed for f.c. families. Using a current email address, a post box address - these are ways to make sure you are found. Keep your same cell number also. FWIW, those who used a lawyer or non-profit (or government) housing agency will be reachable thru those professionals. Let's not give the "I could not reach them" excuse to the banks.
Starry - OCC is handling compliance.
Well done, Paul. Although Thompson expresses concern over the "burden of proof being placed upon homeowners," I can guarantee we ALL have MORE THAN ENOUGH proof of wrong doing in our files, especially in dealing with CHASE. Aside from emails from Chase employees, transcripts of endless circles of conversations, I also have my forensic audit - INCREDIBLY REVEALING. Talk about corrupt.
Let's see what happens. It'll definitely be interesting. :)
Great article. I just discovered your site a few days ago and I have already put you on my bookmarks. To wit:
Given the history of government regulators and their seeming ability to miss things right under their noses, there MUST be close scrutiny by others and ProPublica can be that scrutinizing party. What needs to be guarded against: The banks hiring firms that have direct or indirect ties to them through holding companies and the like. Reviewers need to be from companies that are not financial beholden to the banks. Remember wen we got into this mess, it was largely because the Feds, under GW Bush accepted the industries promise to police themselves. Poppycock! History did indeed repeat itself there: re the Great Depression.
Well done Paul. Does anyone know if commercial real estate foreclosures will be included in the review?
Who pays my $8,500 hospital bill from a horrible panic attack I had last summer when IndyMac/One West was constantly losing my paperwork and threatening to foreclose—-and what about the people that DIED from heart attacks? Who is looking into that?
At least Propublica makes us feel like we're not alone…God bless them for that!
Congratulations on the Pulitzer…you guys deserve it!
What about Saxon Mtg Services subsidiary of Morgan Stanley & Deutsch Bank. they foreclose on you then send you modification papers with a trial payment hold all payments in a suspended acct
take 3 payments to make one monthly payment which the trial payment is in place for and add $70,000.00 interest on to your loan at.
I wnt to a Congressman, Assemblyman, Attorney Genral of New Jersey
Attorney General of Texas, Banking and Insurance CEO of Saxon,
Federal Trad Comm.and also the orgianal Attorney that foreclosed on me, This going on for 2 years and I have gotten no help at all. But the bank, auto, Fannie Mae Freddie Max etc got billions of dollars. Saxon
has so many complaints by the goverment does nothing about them.
its time they get what is coming to them.
Very nice article but this whole alleged process to right criminal wrongs misses the point completely and is being designed by the bad guys to cover up.
If you stand back and look at the forest instead of the trees, you will see that REAL problem here was and is the courts. Banks and their hand picked attorney have purchased the court system. .
If the judges handling foreclosures wanted to open their eyes to the crimes being committed, this entire fraudulent loan and then foreclosure process would have been shut down years ago, right in its tracks.
It took 40 years to stack the courts with these bought off jurists but the Banksters and Big Business did a very good job, slowly chipping away at the 3 estate one judge at a time, one ruling at a time.
The laws to stop this garbage have been on the books for almost as long as this country has existed but they were ignored by a selected few, to the distinct disadvantage of millions.
Only a very few jurists saw the law as more important than their position, Judge Schack in NY is one and there are a few others. Most didn't want to miss out on the Law firm habdling foreclosures Christmas Parties, the use of those same firms vacation homes and the like, that are the"quiet quid pro qou" that goes on all over this country daily. What's really sad is these selected jurist are just small time politician that get bought up for chump change.
I remember a time when litigants and the lower courts had to turn square corners and if they didn't there were appellate courts to right the process. Now we have the likes of Sam Alieto and Clarence Thomas to make it certain that the entire mess is covered up.
BUT Paul-please keep scratching. This mess is big enough and bad enough that even the likes of Alieto and Thomas won't be able to stop the collapse of the American Empire.
Again, looking at the forest-this entire empire was structured on trhe ability of individuals to own land (and real property), that system is going down day by day and once its gone, so is this empire.
'The regulators don't "have a good track record at identifying or fixing servicer misbehavior,"
"remediate all financial injury to borrowers caused by any errors, misrepresentations, or other deficiencies."
'Thompson, of the National Consumer Law Center, said she worries the reviews will "shift the burden onto homeowners" to prove they were wronged.'
'It's still anyone's guess what will happen after complaints are submitted.'
"the mortgage industry never received legislative authority to replace the traditional paper trail of local property records with an electronic data base (MERS). "We don't have that chain of title anymore. Hence lenders are now scrambling as they endeavor to foreclose on loans, to come up with the requisite paperwork."
"They're working at the margin of the ability to foreclose," maintains Georgette Phillips, Professor of Real Estate at The University of Pennsylvania's Wharton School. "This entire debacle is a symptom of the Wild West, 'shoot first, ask questions later' attitude of the securitization industry that took hold of the mortgage process."
Where do we go, and what do we do to get help? When I read articles like this instead of feeling better (maybe help is on the way) I feel a deep sense of hopelessness. So much talk, so little action for those who need help. I remember calling Bank of America just for to refi and was appalled at the fact they would not even call me back. No foreclosure, top credit rating, longtime BofA customer. I can't imagine what those in need of loan modifications went/go through. President Obama said we need more transparency…....it appears it won't be in my lifetime. Books are written, experts go on talk shows to give their points of view…...........I would love it if Charlie Rose had a group of people whose homes were foreclosed and those who tried to get loan modifications. That would be a glimmer of hope.
We will know in 45 days if this is real or not. The banks have 45 days or May 28 to sign a letter of intent with a independent firm and submit a plan for the Foreclosure Review (Article VII of the Consent Order). The question is will the banks hire a firm that knows what they are doing or not. The right independent firm will know what to look for in review and will design the program accordingly. It remain to be seen if OCC will allow the banks to hire a non qualified firm to provide the service. The banks plan for review must be approved by OCC.
Remember, the banks must hire a firm, I suspect an accounting firm that knows and does real estate and auditing work, that is NOT financially beholden to them. Unilike when I was growing up in the 60s and 70s, banks have their hands in everything now.
As always, Propublica is on top of this issue excellent article, The first and most important and fundamental problem that I see: "Each bank is required to hire an outside firm to review all of its foreclosure actions in 2009 and 2010. This is the same as asking the felony to check himself it had done any wrong doing are you kidding me??? This review should be done by a completely independent agency with no ties to Banksters
Gary, Yes even if it was commercial as long as it was a wrongful foreclosure and you have proof It should be ok
Let me tell you how all this will turn out. If the regulators investigate and find wrong doing on the part of the lenders in the transaction, they will make a deal with the injured homeowner for a few bucks and get them to sign a waiver that they will not pursue further action against the lender, courts, judges and the like. Make a note of this because this is how it will be. The regulators did not do their job in keeping this mess from happening in the first place so I'm sure they are not going to penalize the lending institutions for carrying out the orders of the federal government.
One more thing.. How an outside firm hired by the Banks is going to to review the whole Ponzi Scheme that was no more than a lot of digitized fakery? The mortgage loans that never existed and the scammers that just digitized all of the fraud on Wall Street? If there was never anything to securitize. It was all just an illusion. They took that illusion/ deception and tricked a lot of innocent people into thinking they owed a mortgage and were buying a home or investors were investing in Mortgage Backed Securities. Then the scammers used Mortgage Derivatives like CDO'S and speculated wildly on their WALL STREET CASINO and made trillions off of thin air like the Enron Business Model. 60 trillion on Mortgage Derivatives in 1999 alone… They used digitized fraud to make it all look real and then created many ways to dice up the fakerey to hide who they were like the origination fraud, MERS and Foreclosure Fraud. The criminals made trillions off of the mortgage derivatives scam with their use of algarhythms to hide the fraud and the fakery. The mortgage loans and the MBS's were all no more than a grand illusion for Wall Street to speculate on. That is why they never had any skin in the game. THE LOANS NEVER EXISTED.. IT WAS ALL A GIANT PONZI SCHEME RUSE.
I just found out that the house next door which was foreclosed on is selling for a ridiculous price. How the heck does this work?
Let me say this is a struggling neighborhood about 60 percent white and 40 percent minority. It's not a slum but its hard hit.
The prices of houses I hear people talk about here will probably make most of you wonder what kind of dump I live in but its not a dump, it sure as heck ain't fancy but not a dump and I have done a lot with it.
I bought my house in 1993 for $43,000. Due to having a lot of credit card debts I refinanced and now the principal I owe is $69,000.
About 5 years ago, before the bottom fell out, the house next door to me which is about the same as mine, different layout and about 500 sq. ft more living space but it had an old roof and mine was brand new. Anyway, about 5 years ago, right at the peak of high prices the house next door to me sold for $110,000. That's one reason I felt okay about borrowing like I did, I figured I still have some equity.
Well the house was foreclosed on last winter, I think probably the people just walked away but I can't say really. But I just found out it is for sale for $35,000. I was thinking of trying to sell mine for what I owed basically. I have seen a few houses in the neighborhood selling for around $70,000 to $75,000 but with one next door to me very similar to mine going for $35,000 I figure I have zero to zip chance of selling my house at all so maybe I will just say the heck with it too because this house is draining me of everything with taxes very high especially for what I get out of it, streets in bad shape, etc.
This whole thing just keeps getting worse and worse and I just don't know what the heck is going to happen. I need to find out what I would get a month in Social Security in 4 years because depending what it is I might be on the way out anyway. I am already on disability but I get about $650 a month disability from my last employer but at 65 that ends and unless I get more for social security than I do for disability I'm sunk what with losing the $650. I haven't got any info what I would get on my Social Security if it still exists by then since we are being painted as being on the dole and draining the country. NOTSO, what destroyed Soc. Security is all the "borrowing" they did from SS Funds for years and years and now we are painted out to be the ones ruining the country.
I would really like to go someplace peaceful and quiet for whatever time I got left but who knows what is going to happen. I've had dental bills I couldn't pay so I had to get my teeth pulled rather than fixed but now I have one in front and I really can't see me missing a tooth in front if that happens then I give up I will never leave this house again because that is like wearing a sign say BIG FRIGGIN LOSER ON YOUR FOREHEAD.
This is just and FYI. Nothing in the industry has changes. Loans are still being boarded onto the Mers system as we speak.Mers still is not a party to the transaction and still has no right to foreclose.One thing, Mers is owned collectively by the big banks so if any of us think it will be dismanteled, we re mistaken.
to Anne in KC
To answer your question ( I am in a position of knowledge) how the houses are selling for rock bottom prices.
The lender continually monitors a property sited for foreclosure every three months. Once they get the property back, they send in a realtor and an appraiser to give written estimates based on the lenders desires and instructions: ie. the lender says they want "as is" value on the property meaning no repairs are to be made. They will also ask the realtor to submit a bpo or brokers price opinion. The lender will instruct the appraiser in some manner say they want a liquidation value that ill reflect a quick sale in 30 -90 days.Based on both opinions the selling bank will price the property less than the last sale or listing in the neighborhood so that they can attract bidders.Problem is, the next house that comes to the market through any lender will be handled in the same manner. My prediction is that as long as this process continues, houses won't be worth a thing in the next few months or year.This method applies to all residential properties throughout the nation, low priced homes to mcmansions. Just thought you should know.
I find this whole thing ALMOST funny, hysterically funny maybe, like losing it.
Why do these money grubbing bankers act like you are trying to sever a limb or a major organ before they dare give you any kind of modification but then they go selling house for 30 percent of what they cost 5 years ago.
As usual nothing decent coming our way out of DC
Well, okay, get this, the house has been vacant for six months or so and its still sitting there empty. It's a pretty decent house, way better than my starter home and you can't give it away apparently.
ok Anne,
If you are ready I will tell you how this works but you are not going to like it. I don't like it either but here it goes. The lender takes the houses in foreclosure and does not want to make a mod or any deal that keeps the homeowner in the property. Why? Because if they do, the investors in the transaction are going to sue the lender for loss of income that leaves the banks and lenders to foreclose which washes out the investors interest along with the homeowner. When the property is sold, the lender gets all the money from the sale plus the interest and or servicing fees they have collected over time. Then, if that's no bad enough, the F.D.I.C. comes along and pays the lender 80% of the loss, that is the difference between the sale price of the house and the loan amount that was in place to begin with. Then the final blow comes when the mortgage insurer shows up with a check that represents 17% of the loss. Figure it out. There is more money to be made by the lenders in foreclosure than modifications and they don't get sued. Way to go, huh. As to ss, I know the gov stole the funds and replaced it with iou's. Go to the ss site and check to see what you will get. ss will still be here in 4 years and I think you could be eligible for supplementary income.
FYI, the house may be vacant but not yet a completed foreclosure.
You are right, i don't like it but then I never dreamed I would either.
Everywhere I look, in the courtrooms, everywhere, crooks and liars doing just fine.
I think we have lived in the world long enough to know the bad guys always make out. The good guys that keep their noses clean, head down, pay their bills on time and cause no problems for society usually get the short end of the stick.I know this from personal experience as so many of us do.
Somewhere along the line, someone is going to make some big bucks and it's not going to be people like Anne in KC. The banks will turn it around so they will look like the 'knight is shining armour.' I've worked public employment most of my life and I know why: The few jobs I've had with private entities. I and other employees were treated like dirt. If a register did not balance at the end of the day, the copany assumed the employee was stealing.. The days of the frienly banker down the street are over. Yes, they still may live in the community, but their boses on Wall Street is calling the shots.
Okay, come on. Where is the link for "borrowers" to use for help in this effort. If enough of us spread the word, just think about how many people this will help. Haven't they gone through enough? Give me the link, pretty please!!!!!!!!!!
It's now been over a year of trying to get a loan mod with IndyMac/OneWest—-sending, resending, screaming on the phone, being nice on the phone, sending again, resending again, faxing, re-faxing, calling, searching the internet for help,—-then someone gave me a fax # for an "escalation specialist"—-and I MASS faxed my info with letters of disgust to him—-( I also sent emails over and over to the "customer care" email address for OneWest Bank in Pasadena, CA), and finally I get a phone call ( I think they just got sick of my rantings), and get assigned an email address for my very own "escalation specialist"...Just to get that took 6 months…THEN of COURSE I had to send ALL the information AGAIN to him——oh, I forgot to mention that all this time I am getting things in the mail OVER AND OVER saying "We want to work with you to keep you in your home!"—-HUH? As if I haven't been doing ANYTHING all this time…Also I wrote to my "investor"—-Deutsche Bank—-in New York…THEY sent my letters to the SERVICER…
So…FINALLY someone decides my profit and loss numbers are acceptable (or they are just trying to pretend like they are helping me), and they send me a "trial payment plan"...I have made ONE payment—-I'm about to send my second one…but I told them in an email (and a QWR), that I would like the following information:
1. WHO owns my loan?
2. WHERE is my ORIGINAL promissory NOTE?
3. I would like a COPY of the Assignment of Mortgage…
And this is what I get over and over:
" I have forwarded your email to the appropriate department."
I asked him yesterday:
" Why would I continue paying on a "trial plan" for a mortgage which you can't even find this incredibly important information for? "
@ Anne in KC;
I understand completely your dilemma, but you have options. Putting your house on the market today will not make any sense for anyone at this point; the competition is REO's and there are millions of them.
The rental market is booming right now and will for a number of years to come. Rent it! It appears that you may be able to recover your monthly payment and perhaps taxes and insurance if your mtg payment is based in the 69k range (I hope you don't have an ARM).
Check http://www.rentometer.com for rates in your area, learn how to become a landlord and always always do background checks on potential tenants. Check FICO, criminal, landlord references and judgements. Don't accept just anyone, it's your home. I use http://www.ezlandlordforms.com for application, lease and other documents. When you go through the lease section, it will guide you and help you understand the laws in your state. Then rent yourself. Good luck and I wish you the very best!
Pam, great explanation
Annie in KC, you can also short sale your home, which means that the bank would be willing to accept the sale at the price value of the house , and you will be free and clear of that debt, In other words if you owe 69K but it sales for 35K they will accept the 35K as a settlement Its call short selling
I would like to know if there is a lawyer who is not afraid to go after
Saxon and does not want a million.
my original comment did not get posted for some reason. First of all I would like to thank all that have responsed back to me.
I called the Attorney Generals Office in Texas this morning and asked
why I don't see Saxon being investigated for the fraud they are commitng against homeowners stated Saxon is not a National Bank but I may see some action beting taken against Saxon in 60 days I need action know not in 60 days. I continue to asked if Saxon is a subsidiary of Morgan Stanley and Deutsch Bank of New York they are under Federal Guildines would't Saxon be under Federal Guildines he did not comment. Unless Saxon can prove to me it is legal to take
3 months trial payments put them together for one payment is illegal.
I have called and called and the majority of attorneys talk about
mediation well what about taking our money not putting it toward
our loan amt then adding lates fees and interest to your loan amt.
I have talked to several lawyers and they want a million plus an arm and a leg. did you know when you have a short sale the bank is
compensated by the goverment for the funds they lost in a short sale
the banks never lose we are the ones that lose.
Oh, you can also Land Contract sell but be sure your bank will allow for this. Of course, if they don't hold the note, they won't know if it's allowed or not, right? Interesting thought…
Lawyers are afraid to do anything unless and until there is a "precedent making decision" from a judge (regarding your issues), in your particular state…
I've been with the Office of the President since June 2010. A lot good it has done me. I am finally in touch with the Treasury Department due to emails I sent to the Fed. They called me last week and I have spoken to them 3 times this week. I would be willing to share the phone numbers I have to help others. I have checked the box for responses, so if anyone is interested in the number for the Treasury HAMP Escalation Departments phone number or BOA Executive's numbers, please respond and I'll post them.
Nancy, thanks for posting this info I will compare with mine, do you happen to have Fax numbers too?
I to have had dealings with Saxon, and was lied to constantly! They told mr that the foreclosure would be stopped! Well lo and behold, 60 days later I got notice that the house was not mine! And to think the Gov. Gave the parent corp a stimulous package. I fought them four years and when I went to get a rental, my bureau showed I was Evicted! I moved on my own free will, who is monorting these fraud con men?
This is so depressing. In my own small way, I am conducting as little business with banks as I possibly can.
JPMorgan Will pay $27 million in cash to 6000 active-duty military personnel who were overcharged on their mortgages, and return the homes that were wrongfully foreclosed upon!
(Thank you for your excellent article)
Here's a bombshell article that may be of interest to anyone who's conducting an investigation about mortgage fraud. If allegations are true (claimed to be verified) then a RICO suit should be appropriately filed against those who committed these heinous crimes against the American people.
WHISTLEBLOWER: How Bank Hid Mortgage Fraud From Regulators
The lender's conspiracy to hide fraudulent activities from regulators was calculated, premeditated and concise. They KNEW what they were doing. They KNEW that govt regulators were underfunded & understaffed. By (purposely) keeping their scheme under the radar, they were hoping that it would slip by unnoticed. If LPS was involved, it may be likely that other lenders also participated.
My heart goes out to homeowners who were put through the wringer in their desperate attempts to save their homes. The few who managed to get loan mods never realized that they were simply used to squeeze more money out of them.
Please share and pass it on to those who need to know
More information to educate yourself. The MHA Handbook for Servicers and the MHA Supplemental Directive 10-15…10-15 applies to my situation, but you can look up all Directives as this program evolved.
Thanks Nancy, do you have Fax # for HAMP Escalation Dept at the Treasury? I'll compare with my notes thanks
No fax for the MHA Escalation. I've only have been dealing with them for a week. I'll ask next time I talk to them. It might be on-line somewhere.
Found it! Hope it's correct
(866) 939 - 4469 - Fax MHA Escalation
Here's an easy way to start….take a county in Florida, any county, and review the cases that are being voluntarily dismissed. They are dismissing cases en mass….these dismissals are evidence that they did not have proper grounds to proceed in the first place. Next, you could probably look at just about any case with a plaintiff name that includes the trust name, i.e. U.S. Bank as trustee for the IXIS 2006-a Trust.
Next, and here's a biggie….do a simple record search in any county of deeds issued in say 2009…..just wait until you see how many deeds are transferring properties between banks….if US Bank owned and held the note and had the right to foreclose, why is US Bank deeding the property (with no consideration) to Chase Mortgage? This is occurring among all the servicers….very easy to see and track.
matthew weidner, This is all part of the GIANT PONZI SCHEME RUSE.
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Foreclosure Crisis: Banks and Government Fail Homeowners
Banks and the government have fallen short in helping homeowners in danger of foreclosure.
The Story So Far
Systemic failures at the country's banks and mortgage servicers have exacerbated the most severe foreclosure crisis since the Great Depression, and government efforts to limit the damage have fallen short. ProPublica created an unrivaled database of homeowners who have faced foreclosure, opened a Facebook page to encourage homeowners to share their stories, wrote profiles of some of them, and incorporated their experiences into our reporting. We also provided a comprehensive rundown of the numbers behind the crisis.
Latest Stories in this Project
- Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say
- For Most Homeowners, Gov't Foreclosure Deal Brings A Few Hundred Bucks
- Feds Replace Flawed Foreclosure Review With Vague $8.5 Billion Settlement
- As Foreclosure Crisis Drags On, So Does Flawed Government Response
- Cheat Sheet: BofA Supplied Default Answers for 'Independent' Foreclosure Claims Reviewers


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News Release - Mental Illness Awareness Week Conference Scheduled for October 8
October 4, 2010
News Highlights
Mental health concerns are surprisingly common. In fact, they affect most families in America at some point. But studies also show that most people with mental illnesses get better and can recover completely. Even with tremendous advances in treatment, effective medications, and solid positive outcomes, mystery and stigma are still associated with mental illness. A group of local mental health advocates and organizations have come together to build community awareness, celebrate the promise of recovery from mental illness, and hear from peers in recovery and experts at the Eleventh Annual Mental Illness Awareness Week Conference.
Taking place on Friday, October 8, 2010 at the Marriott Hotel Fairfax at Fair Oaks, Fairfax, Va., from 9:15 a.m. to 3 p.m., this year's conference theme is, "The Good Life: Wellness and Recovery."
A morning panel discussion will explore the multiple aspects of recovery that will help realize a good life: nutrition, human rights, spirituality, meditation and mindfulness, and good physical health.
The luncheon will feature keynote speaker Gayle Bluebird, who has been involved in the consumer/survivor/ex-patient movement since it began in the early 1970s. Gayle has developed a wide array of innovative programs, including comfort rooms that are designed as a preventive tool to help reduce conflict and potential use of seclusion and restraint.
The luncheon will also include awards presentations, including the Mental Health Community Contributor Award and the Ed and Vivian Brazill Leadership & Lifetime Commitment Award.
The conference is sponsored by The Brain Foundation, Eli Lilly and Company, Fairfax-Falls Church Community Services Board, Mount Vernon Center for Community Mental Health Advisory Board, NAMI-Northern Virginia (National Alliance on Mental Illness, Northern Virginia), Mental Health Consumers Association, Northern Virginia Mental Health Foundation, Inc., Northern Virginia Mental Health Institute Advisory Council, Northern Virginia Regional Recovery Work Group, Northwest Center for Community Mental Health Advisory Board, Pathway Homes, Inc., and PRS, Inc.
For more information about the conference or the services of the Fairfax-Falls Church Community Services Board, call 703-324-7000, TTY 703-802-3015.


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Tired? Stressed? Fatigued? You May Have Work Burnout!
The other day I was in my Doctor's office and there was a poster on the wall that asked, "Tired? Stressed out? Fatigued?" And I thought to myself…YES! As it turns out, like many Americans, it may be my job. After all, Debbie Ray and I do wake up early. We may all have work burnout! Being burnt out by your job also carries some major risks. The balance in your life is disrupted and your priorities are out of whack when you're overworked. Work burnout can often lead to many health conditions, such as obesity and heart problems.
[Via: moneywatch.com, shine from yahoo]


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Samsung WB850F review – features
Samsung's WB850F is about the same price, size and weight as the superb Sony HX20V, but attempts to trump our favourite all-rounder with the promise of Wi-Fi transfer, GPS tagging, mapping and augmented reality viewing, smartphone remote control and a bucket of photo and video effects.
Samsung WB850F – image quality
If Sony's RX100 hadn't set the bar so high, the Samsung's picture quality, image stabilisation and video capture would be hard to criticise. In fact, its stills are excellent, aided by the image stabilisation when the zoom is stretched out to its furthest reaches. While the Sony's stabilisation converts shakes and wobbles into tightly controlled but very subtle motion, the Samsung takes a firm grip and just about freezes the image. This is ideal for stills but it gets twitchy in video mode when you're likely to be moving the camera deliberately.
Samsung WB850F – video
Video footage is good but not exceptional. The Full HD claim is valid but with a maximum frame rate of 30fps, it's not capable of the silky smooth TV-style footage of its Sony nemesis, and also loses out in terms of detail and colour balance.
Samsung WB850F – Wi-Fi
The WB850F's Wi-Fi transfer sounds like a good idea, and if you could just copy selected images from the camera onto your computer, it would be. Unfortunately to do anything at all with the Wi-Fi features is an infuriatingly slow process, involving endless alpha-numeric text entry with the controls on the back of the camera. It's not possible to just drag and drop selected images wirelessly. Instead you can back up all the latest photos to a PC (not to a Mac), but that itself requires a photo management app to be installed on your PC. Direct uploading to social networks is no better, and even emailing pictures restricts you to low-res images. Let's move on.
Samsung WB850F – GPS
The basic GPS tagging works fine. However, the additional GPS features are, once again, very poorly realised. Map data needs to be present on the memory card you're using, and even then the spartan selection of points of interest (POI) is at least five years out of date, which makes the augmented reality feature close to useless.
Samsung WB850F – Android app
Remote control via an Android smartphone is another nice idea that doesn't quite deliver. Download the Remote Viewfinder app and you can control the shutter, timer and zoom from a phone. However, the phone and camera must be connected to the same network, and if you need to control the camera remotely you'll probably have them at some distance from one another. In our testing one or the other proved quite likely to drop the connection.
Samsung WB850F – verdict
So, if you were planning on buying the WB850F based on these special features, think again. If you're happy to disregard these extras you'll still find a great camera that's well built, takes great pictures and has a very handy zoom.


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Western Sydney Wanderers have never lost to Perth Glory and are hopeful of continuing their record over the Western Australians to close the gap with runaway leaders Brisbane Roar.
Trailing the Roar by seven points with eight games remaining, the Wanderers' slender hopes of retaining the premiers' plate hinge on success across the Nullarbor. They're quietly confident of trimming that lead, however, and defender Nikolai Topor-Stanley has found some solace in the fact they have won three of their four encounters with the Glory. ''It's not an easy trip but we don't hold too much stock in past results; we know we're a young club and we'll be looking to build on that,'' Topor-Stanley said.
Brisbane Roar face the resurgent Melbourne Heart on Sunday in what the Wanderers believe will be a difficult test for the league leaders, so much so that left-back Adam D'Apuzzo believes this round provides the club with a great opportunity to mount a late title charge.
''There's a massive chance to put the pressure on and close the gap. They've got a tough game this weekend, they have to face us again in a few weeks, so I guess it's still in the balance,'' D'Apuzzo said.
The Wanderers haven't played for 15 days due to a rescheduling of last weekend's game to earlier in the season and the players were put through a rigorous training schedule in their first week during the break. Such was the intensity of the program that D'Apuzzo likened the workload to sessions before the start of the season.
''Last week gave us an opportunity to do another pre-season week to get some more kilometres in our legs. This week we've been focusing on Perth,'' D'Apuzzo said.
Meanwhile Western Sydney's bid to become A-League champions will be put to the test during the next two months as they embark on their Asian Champions League campaign.
The Wanderers will play 13 games in four countries over 53 days, starting with the encounter against Perth.
Four days after taking on Perth, Western Sydney kick off their ACL campaign when they host Korean club Ulsan Hyundai.
The Wanderers will have to travel to Japan, Korea and China over eight weeks in a daunting schedule that will truly test their A-League Championship credentials.
They are second on the table - four points ahead of Adelaide, Victory and Central Coast. Wanderers coach Tony Popovic knows his team's ACL campaign will be a challenging test, but he has a near full-strength squad. ''They won't get too many days off from now on,'' he said.


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Arlington, WI Rent to Own Homes
|1 Listings Found
Parcel 3 11002 515 Owner Clarice Carlson Please check Columbia County Tax database for picture, irregular shape 95% woods.
$47,500 - For Sale by Owner
Arlington, WI 53555Details »
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Our goal is to offer the highest quality results, along with helpful Arlington resources and support. We understand that finding genuine rent to own homes in Arlington can be very difficult. Even more challenging is trying to search Arlington, WI listings for free.
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Thanks for visiting and good luck!


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1/2" x 5-1/8" Prefinished Clic Strand Handscraped Carbonized Bamboo Flooring - 25 Year Warranty
Quick Highlights:- Real Bamboo- Eco-Friendly- 25 Year Warranty- Float Installation
It's the first time ever we have seen random length strand handscraped bamboo. The random lengths will give the floor a more natural look. This is a great product at a great price!
CarbonizedSteamed bamboo, caramelizing the sugar within to change its color.
StrandTwice as hard as oak, strand bamboo is an optimal choice for busy homes when durability is needed to stand up to the wear and tear of family foot traffic, active kids and even pets.
To make strand bamboo, shredded bamboo fibers are compressed under extreme heat and pressure. This manufacturing process yields flooring that is even harder and more dense than traditional bamboo floors.
And, since bamboo is a naturally sustainable grass that re-grows spontaneously after harvest, you can feel good about making an environmentally friendly flooring decision.
Handscraped Handscraped or distressed floors have a natural or worn appearance. They look like floors from the days when floors were finished by hand.
Not enough and want more?We also offer professional installation options at great prices!Call 1-877-477-1116 or click here for more information
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Looks wonderful, cat's don't hurt it. Be very careful moving
By Ryan
from Madison, WI
Before you have installed go out and buy protectors for bottom of all furniture. Sticker based ones are not sufficient. You can't stain bamboo. At best you can use wood colored crayons.
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(8 of 9 customers found this review helpful)
Beautiful but easily scratched
By dovoto
from Saratoga Springs NY
Best Uses
I absolutely love the way this floor looks...but have been very disappointing with how it holds up to scratches. I've only had it down two days and already I have had to pick up a stain pen to fix the many scratches that came from moving the furniture back in.The scratches do fix very easy with a dark brown stain pen. And even though it looks nice I think I would have preferred a wood with a deeper stain that did not show light scratches.
Bottom Line No, I would not recommend this to a friend
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The six-month deadline for NW Center Kids is nearly here (Tuesday, June 10), but the all-abilities daycare is still in its north Queen Anne facility.
NW Center was informed late last year that it had six months to vacate its building (2919 First Ave. W.). Seattle Public Schools, which owns the building, intends to use it to house its Cascade Parent Partnership Program.
A property in North Seattle has been identified as NW Center Kids' future home, and a contingent purchase-and-sale agreement has been signed. There is another site that has been identified as a backup site, in case there are "unforeseen problems" at the North Seattle site, according to a FAQ sheet from NW Center.
The building in North Seattle will not be available until July 1. And even then, there is still due diligence and modifications needed before the building can be ready to accommodate the children, including the 40 percent of NW Center students who have developmental disabilities.
"As we have repeatedly stated, we need more time," the FAQ sheet said. "Fortunately, potential solutions came together and lines of communication with Seattle Public Schools have opened up so that we are cautiously optimistic we will be able to work together to make a safe and orderly transition to a new facility by Nov. 1 or earlier if possible."
The FAQ sheet mentioned a temporary, interim space was suggested to move NW Center out of the facility before Nov. 1. But the goal is to minimize the impact on the vulnerable populations at the school, the sheet said.