BACHELOR - 5 must reads - time, place and details!

Darla Hanger - National Celebrity Headlines Examiner - Celebrity | Examiner.com:

'The Bachelor' spoiler: Juan Pablo's manhood ... - www.examiner.com/.../the-bachelor-spoiler-juan-pablo-s-manhood-prob...

Fans hate 'Bachelor' spoilers; Juan
Pablo's decision exposed by ...

www.examiner.com/.../fans-hate-bachelor-spoilers-juan-pablo-s-decision...‎

Watch 'Bachelor' Juan Pablo live
online - National Celebrity ...

www.examiner.com/article/watch-bachelor-juan-pablo-live-online‎

'The Bachelor' Juan Pablo really
marriage material? - Examiner.com

www.examiner.com/.../is-the-bachelor-juan-pablo-really-marriage-materi...‎

'The Bachelor' Juan Pablo asks
permission to marry? Andi ...

www.examiner.com/.../the-bachelor-juan-pablo-asks-permission-to-marr...‎

'via Blog this'BACH

FOX Live Stream | USA Television

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'American Idol' Season 10 recap: Just not the same without Simon Cowell | NJ.com

'American Idol' Season 10 recap: Just not the same without Simon Cowell | NJ.com: "It looks like the same show, and it sounds like the same show. But it's really not the same show. It just doesn't have the same feel with Simon Cowell gone.
Maybe I'm too much of a traditionalist. Or maybe I'm just a typical fan of one of the most popular TV shows in the nation. It's only one day into Season 10 of “American Idol” and I'm already missing Simon Cowell. His snarky British accent. His brutally honest critiques. His occasional sparring with the other judges.
And I’m already a little bored with Jennifer Lopez. She looks great, but she’s too much of a softie. She’s trying too hard to replicate the overly sympathetic, motherly ways of Paula Abdul and Kara DioGuardi. She needs to toughen up."

Foreclosure means not leaving home for 673 days

Foreclosure means not leaving home for 673 days: "TAMPA - Tampa Bay homeowners can get away with not paying their mortgage payments for about 285 days before lenders even begin to take the house back.

And if you think that's a long time, get this: it takes about 673 days before the house is sold and the homeowner kicked out, according to data compiled by LPS Applied Analytics, which provides technology and data to the mortgage industry.

That puts the Tampa-St. Petersburg-Clearwater metro area near the top of the list for states that are slow to initiate foreclose. The Bay area is behind Maryland, Massachusetts, New York and California.

It's no secret that Florida is no where near emerging from the real estate downturn. But data like this show just how clogged local courts are. The data also bring up some thorny issues for economists and industry onlookers who say the market won't recover until a bulk of the distressed homes are sold."

Myers Team Offers Nevada Homeowners Short Sale Options for 2011 | LoanSafe.org

Myers Team Offers Nevada Homeowners Short Sale Options for 2011 | LoanSafe.org: "According to Bill Myers, Nevada short Sale Expert and owner of The Myers Team with Century 21 MoneyWorld, “The loan modification industry has been very misleading for homeowners. Government assistance programs such as HAFA, HAMP, HOPE NOW, and the Making Homes Affordable Program have been failures due to the fact that bank participation is voluntary.” According to the Las Vegas Review Journal, “Most homeowners in Las Vegas are so far upside down on their homes, (owing significantly more than their home is worth) that they don’t qualify for the government’s $75 billion Home Affordable Mortgage Plan.”

“Despite the bad news, Nevada homeowners have options,” Myers said. According to Myers, “There has never been a better time for Nevada homeowners to do a short sale.”"

The Durango Herald 01/19/2011 | State bill extends foreclosure program

The Durango Herald 01/19/2011 | State bill extends foreclosure program: "The best way to save a house in foreclosure is for the homeowner to not ignore bank notices, said Margaret Chapman of the Colorado Public Trustees Association.

“I cannot even tell you how many people put their head in the sand and don’t even open their mail,” Chapman said. “They know they’re in trouble. They panic.”

Homeowners who work with housing counselors to modify their loans have a much greater chance of remaining in their houses.

The foreclosure-delay program allows public trustees like Chapman to delay a foreclosure sale for three months."

Avoid Foreclosure: Latest Help Revealed

Avoid Foreclosure: Latest Help Revealed: "Foreclosures can be avoided, which will help to protect your credit. If you have done what you can to modify your loan for smaller payments or gone through the government program for loan modification, you will have another option. If you can’t save your home and know you will need to move out when the foreclosure is completed, you can sell the house in a short sale to a real estate investor.

The investor is interested in buying your house in its present condition without you spending another penny on repairs or cosmetic fixes. You may be able to pay the bank off even if the investor’s offer is slightly lower than what you owe. That’s why it’s called a short sale. You’ll preserve your credit and will avoid having a foreclosure on your credit history. If you need to move out of the house anyway, this is a great way to go."

Bryan Ellis Real Estate Letter - Bank of America Faces Class Action Suit Over TARP Money Foreclosure “Agreement”

Note: Bank of America, Foreclosure Fraud, Financial Hypocrisy

Bryan Ellis Real Estate Letter - Bank of America Faces Class Action Suit Over TARP Money Foreclosure “Agreement”:

"Bank of America’s refusal to participate in foreclosure prevention programs even though it accepted $25 billion in TARP (Troubled Asset Relief Program) money has plaintiffs in St. Louis, Connecticut, claiming that the beleaguered lender broke faith with the U.S. Treasury and let borrowers in foreclosure down"

Fannie Mae To Open Help Center In Phoenix - State News Story - KPHO Phoenix

Fannie Mae To Open Help Center In Phoenix - State News Story - KPHO Phoenix: "PHOENIX, Ariz. -- Fannie Mae is opening a new mortgage help center in Phoenix to help struggling homeowners who have loans with Fannie Mae.
Homeowners will be able to talk with English and Spanish speakers about their mortgage situation and come up with options to prevent foreclosures.
The counselors at the help center will review a borrower's loan, discuss foreclosure alternatives, and will provide help gathering documents to apply for different programs and finalizing loans.
'The opening of this mortgage help center is part of a comprehensive approach by Fannie Mae to assist distressed homeowners who may be at-risk of foreclosure,' said Jeff Hayward, Fannie Mae's senior vice president."

The Phoenix Mortgage Help Center is available by appointment only and borrowers wishing to schedule a visit can call 1-866-442-8574 or E-mail Fannie Mae.

NACA Save the Dream Tour: Non-Profit Group Holds Free Mortgage Help Event for Homeowners Facing Foreclosure - ktla.com

NACA Save the Dream Tour: Non-Profit Group Holds Free Mortgage Help Event for Homeowners Facing Foreclosure - ktla.com:

"LOS ANGELES -- Thousands of homeowners who are trying to avoid foreclosure were lining up Thursday in downtown Los Angeles for free mortgage help.

The Neighborhood Assistance Corporation of America, or NACA, is offering struggling homeowners the chance to restructure home loans at lower rates during its 'Save the Dream Tour' event.

An estimated 30,000 people are expected to attend the free, 24-hour event at the L.A. Convention Center.

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NACA says it can help people at risk of foreclosure reduce their mortgage rates to 2 or 3 percent."

TriValley Central > Eloy Enterprise > Top Stories > AZ Department of Housing launches foreclosure assistance program, Save My Home Arizona

NOTE: READ ON - LIKE OTHER PROGRAMS MANY WILL NOT FIT IN.... THEY AREN'T ADDRESSING THE PROBLEMS JUST ADDRESSING A FEW SYMPTOMS.

TriValley Central > Eloy Enterprise > Top Stories > AZ Department of Housing launches foreclosure assistance program, Save My Home Arizona: "PHOENIX — The Arizona Department of Housing has announced that it has launched the new Save My Home AZ program, designed to assist homeowners facing foreclosure.�The primary component of the program is a principle reduction that will bring the current mortgage payments down to match the current value of the home.�

President Obama announced on Feb. 19 that the U.S. Department of Treasury would be financing $1.5 billion in foreclosure mitigation to those states hardest hit by the housing crisis, with Arizona receiving $125.1 million of those funds.�
One of Arizona’s earliest concerns about the award was the sheer number of Arizonans facing foreclosure and the realization that the Treasury award, while a significant amount of money, could do little to stabilize a problem of overwhelming magnitude.

“With a foreclosure rate that is currently second in the nation, it was pretty clear from the beginning that the $125.1 million allocation coming to Arizona could not be impactful with respect to the sheer number of households needing assistance.�At best, these funds will assist just over 4,000 households or around 11,000 individuals to remain in their homes,” commented ADOH Director Michael Trailor."

note FURTHER ON YOU WILL READ ABOUT az SAVE MY HOME PROGRAM: which is geared towards those that have income loss... however the principle reduction is based on IF THE BANK WILL MATCH FUNDS. yeah right.. banks have been fighting against this... This is WORTH checking out if you are underemployed or unemployed.

www.azhousing.gov or call (602) 771-1000, TTY (602)-771-1001.

What is 57.2 _34.1 Feds award housing aid for Nevada - BusinessWeek

With all the money the government has doled out we could have avoided if they would just have crcked down on mortgage fraud. wrote off fraud mortggages and made accountable those forging documents as in robo signing.

Feds slate $57.2 million in housing aid for Nevada - BusinessWeek:

"The Treasury Department said the federal government is allocating $57.2 million more for 'Hardest Hit Fund' foreclosure-prevention programs in Nevada.

The agency said Wednesday the Nevada Affordable Housing Assistance Corporation also gained approval to use $34.1 million in previously allocated"

Foreclosure law firm fighting AG's investigation

Foreclosure law firm fighting AG's investigation:

"Shapiro & Fishman this morning asked a Palm Beach judge to 'quash' an investigative subpoena by the AG's office.

An attorney representing the firm said a subpoena for marketing and advertising material does not pertain to the allegations.

Florida's Attorney General has accused three large 'foreclosure mills' of rushing cases through the system and potentially fabricating documents and signatures.

The firms under investigation are David J. Stern, Marshall C. Watson, and Shapiro & Fishman,"

Man mad over foreclosure has standoff w/ LAPD | abc7.com

Man mad over foreclosure has standoff w/ LAPD | abc7.com: "SHERMAN OAKS, Calif. (KABC) -- A standoff between a man upset over his foreclosed home and SWAT officers ended peacefully Thursday morning."

GMAC Foreclosures Drew Earlier Sanctions for `False Testimony' - Bloomberg

GMAC Foreclosures Drew Earlier Sanctions for `False Testimony' - Bloomberg:

"Florida Circuit Court Judge Bernard Nachman sanctioned GMAC in May 2006, saying that the company “submitted false testimony to the court in the form of affidavits of indebtedness.” The company was ordered to submit an explanation and confirmation that the policies were changed, and told to pay defendants’ legal costs of $8,135.55."

additionally:

“They’re acting like this is a new problem,” said O. Max Gardner III, a bankruptcy attorney at Gardner & Gardner PLLC in Shelby, North Carolina, who is not directly involved in either GMAC case. “It’s the exact same thing,” Gardner said. “This is not just a GMAC problem. This is an industry-wide problem.”

Deborah Rhode, a Stanford University law professor and director of the school’s Center on the Legal Profession, said GMAC Mortgage’s behavior may amount to misleading the court.

read full article by clicking title link above

GMAC Foreclosures Drew Earlier Sanctions for `False Testimony' - Bloomberg

GMAC Foreclosures Drew Earlier Sanctions for `False Testimony' - Bloomberg:

"The 2006 case stems from a GMAC Mortgage foreclosure that began in August 2004 on a home owned by Robert and Lillian Jackson. The filing included an affidavit signed by a GMAC officer laying out the amount owed on the loan.

Florida Circuit Court Judge Bernard Nachman sanctioned GMAC in May 2006, saying that the company “submitted false testimony to the court in the form of affidavits of indebtedness.” The company was ordered to submit an explanation and confirmation that the policies were changed, and told to pay defendants’ legal costs of $8,135.55."

additionally-

“They’re acting like this is a new problem,” said O. Max Gardner III, a bankruptcy attorney at Gardner & Gardner PLLC in Shelby, North Carolina, who is not directly involved in either GMAC case. “It’s the exact same thing,” Gardner said. “This is not just a GMAC problem. This is an industry-wide problem.”

Deborah Rhode, a Stanford University law professor and director of the school’s Center on the Legal Profession, said GMAC Mortgage’s behavior may amount to misleading the court

>>>>READ FULL ARTICLE by clicking title link above

Printing, Pizza, Coffee and Plants

I have not kept up with this enough but some great places to do BIZ in ARIZONA

Casa Grande Cartridge World - save a ton and great customer services. Owners are awesome

Casa Grande Papa Murphy's - Start a new tradition with Friday Night Pizza watch for new pizza to be announced soon. Be prepared, when you walk in, it smells AWESOME.

Jackrabbit Nursery on Jackrabbit trail off I-10 west. You will love the selection of plants and garden accessories. The owners are knowledgeable and take time to make sure you understand your plants.

Verrado - Park 51 - great little coffee shop. You can sit and enjoy the news or talk with friends. Regular chairs seating for eating or visit with friends in the living room styled couch area. Take in the music on the Saturday nights through April, sponsored by Verrado.

2Gheckos - If you need web pages that are designed right give a call. Unique pricing structure of flat rate per month is great for budget minded. The software for contact managment is out of this world!

New to List of great businesses in AZ

These places will go out of their way to give you good customer service:


Triple D Feeds in Buckeye on Jackrabbit trail mear I-10

The barber shop on Yuma rd. 1/2 mile west of airport road intersection Buckeye, AZ

Molina's Bridal Shop in Avondale, AZ

Jewelry and Pawn in Casa Grande, AZ

Cartridge World in Casa Grande, AZ

McDowell Dentistry near Litchfield Road on McDowell. They care!

Salon Luxe

I have a firm view that all exceptional Businesses should be rewarded. The good customer service stands out and the best SHINE like the sun. With the ecoomic crunch many retailer cannot afford to give the service you normally would expect. How refreshing to have people do more than expected in these times of cutbacks.

Last week I went to Salon Luxe. Yes, its that time of year again, PROM. Some like to call it the tota,l major, overhaul season. I called around and all my normal people were busy. I called Molina's Bridal shop and was reffered to Salan Luxe. With much trepidition I drove the 15 miles for a hair consultation for my daughter. I reassured her that if it wsan't great we would turn around and walk out. I was AMAZED. Salon Luxe was nice, clean and relaxing with an upscale feel. There were plenty of magazines to choose from and a WARM WELCOME. The decor was nice and I felt really good about the "feel" of the salon.

The owner really believes in contributing to the community. Sponsering the YMCA and assisting the women's shelter. She is even doing makeovers for women in the community are are returning to the job force. Count me in!

The stylist TU was great. Check out the before and after pics. She was not overbearing and knew exactly what was needed to be done. She had a calming way about her that put my daughter at ease.

While my daughters hair was being highlighted, I chatted with the owner. She took time to sask questions and hooked me up with people that could help me with mynew business venture. Since they sometimes offer makeovers for women getting back into the work force.

Here are the Before and After pictures of my daughter via cell phone camera. If you want to have GREAT SERVICE with hair stylists that are KNOWLEDGEABLE, then you will love Salon Luxe in Avondale 623 925 9485. They are across the street from Molina's Bridal another awesome business. Give Salon Luxe a call and tell them I sent you!
beforebefore and afteraf