Good morning!

I feel like more needs to be said about foreclosures, and the independent review process that has been such a hot topic in the news lately. It’s hot on my mind as well. Here’s a video from All In with Chris Hayes of MSNBC. This is a must see. People who have done nothing wrong, who have made their mortgage payments, have been having their homes taken from them…literally stolen from them. And what the victims are getting back in compensation compared to what the “independent” reviewers got for conducting this review process, is just ludicrous.

If you’re confused about the criminal acts that have been happening in this mortgage crisis, this should clear it up for you.

All In   |  April 09, 2013

Foreclosure settlement: a nationwide crime scene

Banks are foreclosing on military members, on people who had been approved for a loan modification, and even on people who were never behind in their payments–all part of an astounding settlement that shortchanged millions of homeowners and left hundreds of thousands wrongfully ejected from their homes.  Former Governor Elliot Spitzer; Alexis Goldstein, former Vice President at Merrill Lynch and Deutsche Bank, now an Occupy Wall Street activist ; and Faith Bautista, who was the victim of wrongful home foreclosure in 2009, join Chris Hayes and paint a stark picture of what happened, who is responsible and why there isn’t more justice from the government.

Visit NBCNews.com for breaking news, world news, and news about the economy

*******

Readers: Infuriating right? The OCC who is supposed to protect home owners has sided with the banks. Surprising? I wish I could say yes,. Comments? Blog me.

Happy Friday Everyone – Have a beautiful day!

Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.

Gratefully your blog host,

michelle

Aka BABE: We all know what this means by now :)

If you love my blog and my writes, please make a donation via PayPal, credit card, or e-check, please click the “Donate” button below. (Please only donations from those readers within the United States. – International readers please see my “Donate” page)

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Michelle Moquin PO Box 29235 San Francisco, Ca. 94129

Thank you for your loyal support!

All content on this site are property of Michelle Moquin © copyright 2008-2012

“Though she be but little, she be fierce.” – William Shakespeare Midsummer Night’s Dream 

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Good morning!

I realize many people are still facing foreclosure. Here’s an interesting write from 4closureFraud via Credit Slips:

WHY THE INDEPENDENT FORECLOSURE REVIEWS WERE DOOMED TO FAIL

Running a meth lab in your basement may be an event of default on a mortgage–but if that’s going to be the default that triggers a foreclosure, the bank is going to have to prove that you’ve been running a meth lab on the property. The lender’s relationship with the borrower is contractual, not moral. If the borrower does something morally objectionable, it only matters if there is a breach of the contract. If sanctity of contract matters as a social principle, then even meth lab owners rights’ must be respected. We have criminal forfeitures to the government, but that doesn’t result in civil forfeitures to private lenders other than pursuant to contract. We’ve seen this vigilante foreclosure line before.

I think this points at the fundamental problem of the independent foreclosure reviews:  it was a process that was nominally supposed to provide a remedy for various legal harms, but it was not a legal process.  Instead, it was an entirely ginned-up review procedure that lacked any legitimacy: the OCC and Fed were negotiating with the banks overconsumers’ rights. The gap between regular legal process and the “independent” foreclosure review process is where the problems lie. I have no idea if the outcomes would have been different from IFR if consumers were to actually prosecute their claims in court, but I do know this–their procedural rights would be have been clear and legitimately established and they would get a reasonably fair shake as a result.

Instead, what the OCC and Fed gave consumers was a jury-rigged, improvised kangaroo system. The avoidance of formal legal process is a hallmark of how bank regulators operate–no prosecutions, just consent decrees, informal supervisory feedback, etc.  This is nothing new–the law firm Kaye Scholer got the short end of this stick in 1992 when OTS froze its assets for representing Charles Keating. That got a settlement real fast.

Informal, improved process might serve well-enough for prudential regulation, but it clearly will not do when dealing with consumer protection, because the process matters every bit as much as the outcomes. Absent a consistent, fair process, there will always be the suspicion that bank regulators were favoring banks (their true constituency) at the expense of consumers.  Put another way, the independent foreclosure reviews were almost doomed to failure (although not necessarily as egregiously as we have seen) because their design lacked any legitimacy.

At this point, the foreclosure remediation situation is so bollixed up, that I can’t see any satisfactory resolution. I take some comfort in perhaps optimistically thinking that the great foreclosure cover-up might be the last gasp of the pre-CFPB age of bank regulation; hopefully the dynamics of regulation have changed sufficiently that we will not see something like the independent foreclosure review process emerge again. I wonder, though, will the prudential bank regulators ever learn that they cannot keep dealing with banks through ad hoc, informal processes if they want political legitmacy?  Do they even care? And if not, can we make them?

*****

Readers: This is all I’ve got this morning. Your turn. Blog me.

Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.

Gratefully your blog host,

michelle

Aka BABE: We all know what this means by now :)

If you love my blog and my writes, please make a donation via PayPal, credit card, or e-check, please click the “Donate” button below. (Please only donations from those readers within the United States. – International readers please see my “Donate” page)

Or if you would like to send a check via snail mail, please make checks payable to “Michelle Moquin”, and send to:

Michelle Moquin PO Box 29235 San Francisco, Ca. 94129

Thank you for your loyal support!

All content on this site are property of Michelle Moquin © copyright 2008-2012

“Though she be but little, she be fierce.” – William Shakespeare Midsummer Night’s Dream 

" Politics, god, Life, News, Music, Family, Personal, Travel, Random, Photography, Religion, Aliens, Art, Entertainment, Food, Books, Thoughts, Media, Culture, Love, Sex, Poetry, Prose, Friends, Technology, Humor, Health, Writing, Events, Movies, Sports, Video, Christianity, Atheist, Blogging, History, Work, Education, Business, Fashion, Barack Obama, People, Internet, Relationships, Faith, Photos, Videos, Hillary Clinton, School, Reviews, God, TV, Philosophy, Fun, Science, Environment, Design, The Page, Rants, Pictures, Church, Blog, Nature, Marketing, Television, Democrats, Parenting, Miscellaneous, Current Events, Film, Spirituality, Obama, Musings, Home, Human Rights, Society, Comedy, Me, Random Thoughts, Research, Government, Election 2008, Baseball, Opinion, Recipes, Children, Iraq, Funny, Women, Economics, America, Misc, Commentary, John McCain, Reflections, All, Celebrities, Inspiration, Lifestyle, Theology, Linux, Kids, Games, World, India, Literature, China, Ramblings, Fitness, Money, Review, War, Articles, Economy, Journal, Quotes, NBA, Crime, Anime, Islam, 2008, Stories, Prayer, Diary, Jesus, Buddha, Muslim, Israel, Europe, Links, Marriage, Fiction, American Idol, Software, Leadership, Pop culture, Rants, Video Games, Republicans, Updates, Political, Football, Healing, Blogs, Shopping, USA, Class, Matrix, Course, Work, Web 2.0, My Life, Psychology, Gay, Happiness, Advertising, Field Hockey, Hip-hop, sex, fucking, ass, Soccer, sox"

Good morning!

Congress is back from a 2-week recess. Now they need to make some decisions. The question is…Will Congress do the right thing?

From the Huff Po:

Obama Gun Control Speech: President Makes Push In Central Connecticut (VIDEO)

Visit NBCNews.com for breaking news, world news, and news about the economy

* Obama says “We will not walk away” from gun promise

* Gun control measures are struggling in Senate

* Newtown families to fly on Air Force One with president (Updates with excerpts from prepared remarks)

By Roberta Rampton

HARTFORD, Conn., April 8 (Reuters) – President Barack Obama urged Americans on Monday to pressure a reluctant Congress to pass new gun control legislation – one of his top domestic policy priorities – as he traveled to Connecticut, where December’s school massacre took place.

Initial momentum for tougher U.S. gun control laws sought by Obama after the Dec. 14 shootings in Newtown has stalled in Congress in the face of fierce lobbying by gun rights groups like the National Rifle Association.

Obama, speaking at the University of Hartford, said that date changed everything for families of the 20 children and six adults killed at Sandy Hook elementary school.

“I know many of you in Newtown wondered if the rest of us would live up to the promises we made in those dark days … once the television trucks left, once the candles flickered out, once the teddy bears were gathered up,” Obama was to say in prepared remarks. “We will not walk away from the promise we’ve made.”

No major gun legislation has passed the U.S. Congress since 1994 and the current White House guns push is in trouble.

“The policy window is either really close to closed, or closed entirely,” said John Hudak, an expert at the Brookings Institution think tank. “In honesty, this is really a last-ditch effort by the White House.”

Obama is hoping to build support among lawmakers for several gun control measures, including universal background checks for gun buyers. The Senate is expected to take up gun control legislation as early as this week.

The president has invited 11 parents of children killed in Newtown to fly back to Washington with him aboard Air Force One after his speech. The parents are set to lobby Congress this week for gun control measures, although it may be too late to rescue major legislation sought by Obama.

Some of Obama’s proposals – reinstating a U.S. ban on assault weapons and cracking down on high-capacity ammunition clips – already appear to have little chance of passing the Democratic-led Senate, let alone the Republican-controlled House of Representatives.

BACKGROUND CHECKS

Obama is hoping to salvage the proposal for background checks on all gun buyers to try to ensure that criminals and others prohibited from buying firearms cannot get them. There are not yet enough votes in the Senate for expanded background checks as Democrats seek Republican votes.

“Congress is only going to act on them if they hear from you – the American people,” Obama will say in his address.

Around a dozen Republican senators led by Rand Paul of Kentucky have threatened to use procedural tactics to try to prevent any votes on the gun measures.

“You deserve better,” Obama will say. “You deserve a vote.”

Last week, Obama gave a speech in Denver trying to rally support for gun control, touting a new state law in Colorado – scene of two of the deadliest gun massacres in American history – as “a model of what’s possible.”

The president’s speech on Monday will be followed up by a White House event on Tuesday with Vice President Joe Biden and law enforcement officials. Biden also is due to speak about gun control on Thursday on the MSNBC cable TV network.

First lady Michelle Obama is set to address gun control during a visit on Wednesday to Chicago, which has faced a spree of gun violence. (Editing by Alistair Bell and Xavier Briand)

******

I just got caught up on 60 minutes from Sunday evening as well. The topic: Gun control. If you didn’t see it, I am posting it here too. It is a very moving piece as parents of the loved ones lost express their grief and faith. 

********

Readers: I stand in support of president Obama. You can feel his compassion, conviction, and commitment to bringing about change in this very important issue. I encourage you to stand up and raise your voices in support of gun control too. Make your thoughts known to Congress and push Congress to put politics aside and do the right thing.  The time is now.

Blog me. Peace out.

Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.

Gratefully your blog host,

michelle

Aka BABE: We all know what this means by now :)

If you love my blog and my writes, please make a donation via PayPal, credit card, or e-check, please click the “Donate” button below. (Please only donations from those readers within the United States. – International readers please see my “Donate” page)

Or if you would like to send a check via snail mail, please make checks payable to “Michelle Moquin”, and send to:

Michelle Moquin PO Box 29235 San Francisco, Ca. 94129

Thank you for your loyal support!

All content on this site are property of Michelle Moquin © copyright 2008-2012

“Though she be but little, she be fierce.” – William Shakespeare Midsummer Night’s Dream 

" Politics, god, Life, News, Music, Family, Personal, Travel, Random, Photography, Religion, Aliens, Art, Entertainment, Food, Books, Thoughts, Media, Culture, Love, Sex, Poetry, Prose, Friends, Technology, Humor, Health, Writing, Events, Movies, Sports, Video, Christianity, Atheist, Blogging, History, Work, Education, Business, Fashion, Barack Obama, People, Internet, Relationships, Faith, Photos, Videos, Hillary Clinton, School, Reviews, God, TV, Philosophy, Fun, Science, Environment, Design, The Page, Rants, Pictures, Church, Blog, Nature, Marketing, Television, Democrats, Parenting, Miscellaneous, Current Events, Film, Spirituality, Obama, Musings, Home, Human Rights, Society, Comedy, Me, Random Thoughts, Research, Government, Election 2008, Baseball, Opinion, Recipes, Children, Iraq, Funny, Women, Economics, America, Misc, Commentary, John McCain, Reflections, All, Celebrities, Inspiration, Lifestyle, Theology, Linux, Kids, Games, World, India, Literature, China, Ramblings, Fitness, Money, Review, War, Articles, Economy, Journal, Quotes, NBA, Crime, Anime, Islam, 2008, Stories, Prayer, Diary, Jesus, Buddha, Muslim, Israel, Europe, Links, Marriage, Fiction, American Idol, Software, Leadership, Pop culture, Rants, Video Games, Republicans, Updates, Political, Football, Healing, Blogs, Shopping, USA, Class, Matrix, Course, Work, Web 2.0, My Life, Psychology, Gay, Happiness, Advertising, Field Hockey, Hip-hop, sex, fucking, ass, Soccer, sox"

Good morning!

You probably already know where my opinion lies in answer to yesterday’s posed question. But in case you didn’t, I repeat, as these girls did, “Fuck your morals – My body belongs to me.”

I am posting it again today as a continuation of my support because enough can’t be said or shown when women endure such abuse and oppression on a daily basis.  Couldn’t see the video yesterday? This write from Ynaija contains some photos:

In support of ‘Amina’: FEMEN stages International Topless Jihad Day (GRAPHIC PHOTOS)

FEMEN strikes again: Topless protesters staged demonstrations near mosques and Tunisian embassies across Europe on Thursday to express support for embattled FEMEN activist Amina Tyler.

“We’re free, we’re naked, it’s our right, it’s our body, it’s our rules, and nobody can use religion, and some other holy things, to abuse women, to oppress them,” FEMEN member Alexandra Shevchenko said in Berlin, according to AFP.

“And we’ll fight against them. And our boobs will be stronger than their stones,” she added.

[READ: 19-year old female activist ‘Amina’, who posted topless photos on Facebook threatened with death (PHOTOS)]

[READ: Girls on fire! Feminist group stages series of topless protests across Europe (PHOTOS) – Warning there’s nudity]

Tunisian student Amina Tyler sparked a massive controversy in mid-March by posting topless photos of herself on Facebook, with the slogans “Fuck Your Morals” and “My Body Belongs To Me, And Is Not The Source Of Anyone’s Honor,” painted on her body.

Islamist hackers responded with an attack on FEMEN’s Tunisian Facebook Fan Page, replacing topless photos with quotes from the Quran. An Islamic preacher even stated that Tyler could be stoned for her act of defiance.

In support of Tyler’s plight, FEMEN labeled April 4 “International Topless Jihad Day” and organized protests across Europe.

“This day will mark the beginning of a new, genuine Arab Spring, after which true freedom, freedom without mullahs and caliphs, will come to Tunisia! Long live the topless jihad against infidels! Our tits are deadlier than your stones!” the group wrote in a statement on its Facebook page.

Five activists gathered near an Islamic cultural center in Brussels, Belgium, Euronews writes. And according to the Gazetta Del Sud, Italian womenprotested outside the Tunisian consulate in Milan, carrying signs that read “Free Amina” and “Bare Breasts Against Islam.”

The Interfax News agency adds that the protests spread to the Ukraine, with police detaining FEMEN activists in Kiev. “The FEMEN activists drove up to the entrance to the mosque in a car, where they were arrested by the police,” Interfax cites the police reports.

Activists and journalists have expressed concern about Tyler’s well-being in recent days. While her lawyer said the young woman was doing fine, several reports suggest Tyler is being held by her parents in seclusion.

“No, it’s not fine. Amina is with her family but that’s not ‘good news,’ as some newspapers earlier wrote,” journalist Caroline Fourest wrote in a blog for HuffPost France. “No one close to her, none of her friends or people in her support network have seen her or heard that she was free, free to move and speak,” Fourest added.

♥♥♥Women♥♥♥

Readers: More power to these girls. More power to women around the world supporting women around the world. To see more photos of our fearless girls, click here.

Qalat, Charika, Shir Khan, et al: It is so delightful to see all of you here again. It has been awhile. Thank you for expressing what I/we know to be so true, and what I/we are fighting to end. As I stated, enough can’t be said or shown. I HOPE you are all well. Sending love…

Howard, Ellen: Yep, you got it; those are the kind of people I was talking about.

Robert, RT: Thank you for the kind words. Thanks too for posting the additional write in support of these girls. Yes, we all need to make sacrifices to support our sisters.  I just wish I had been out there protesting with them too. I HOPE you are well.

David, et al: Thank you.

Sending Peace & Love: “Live it, Give it”

Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.

Gratefully your blog host,

michelle

Aka BABE: We all know what this means by now :)

If you love my blog and my writes, please make a donation via PayPal, credit card, or e-check, please click the “Donate” button below. (Please only donations from those readers within the United States. – International readers please see my “Donate” page)

Or if you would like to send a check via snail mail, please make checks payable to “Michelle Moquin”, and send to:

Michelle Moquin PO Box 29235 San Francisco, Ca. 94129

Thank you for your loyal support!

All content on this site are property of Michelle Moquin © copyright 2008-2012

“Though she be but little, she be fierce.” – William Shakespeare Midsummer Night’s Dream 

" Politics, god, Life, News, Music, Family, Personal, Travel, Random, Photography, Religion, Aliens, Art, Entertainment, Food, Books, Thoughts, Media, Culture, Love, Sex, Poetry, Prose, Friends, Technology, Humor, Health, Writing, Events, Movies, Sports, Video, Christianity, Atheist, Blogging, History, Work, Education, Business, Fashion, Barack Obama, People, Internet, Relationships, Faith, Photos, Videos, Hillary Clinton, School, Reviews, God, TV, Philosophy, Fun, Science, Environment, Design, The Page, Rants, Pictures, Church, Blog, Nature, Marketing, Television, Democrats, Parenting, Miscellaneous, Current Events, Film, Spirituality, Obama, Musings, Home, Human Rights, Society, Comedy, Me, Random Thoughts, Research, Government, Election 2008, Baseball, Opinion, Recipes, Children, Iraq, Funny, Women, Economics, America, Misc, Commentary, John McCain, Reflections, All, Celebrities, Inspiration, Lifestyle, Theology, Linux, Kids, Games, World, India, Literature, China, Ramblings, Fitness, Money, Review, War, Articles, Economy, Journal, Quotes, NBA, Crime, Anime, Islam, 2008, Stories, Prayer, Diary, Jesus, Buddha, Muslim, Israel, Europe, Links, Marriage, Fiction, American Idol, Software, Leadership, Pop culture, Rants, Video Games, Republicans, Updates, Political, Football, Healing, Blogs, Shopping, USA, Class, Matrix, Course, Work, Web 2.0, My Life, Psychology, Gay, Happiness, Advertising, Field Hockey, Hip-hop, sex, fucking, ass, Soccer, sox"

Not.

Good morning!

Here’s a write from the Huff Po about a white woman with her skin blackened to appear to be the “African Queen” on the cover of a magazine. Yes, you read the right. I guess the editor thinks there is a shortage of real black models to play an “African Queen.” Either that or she is a _________. You fill in the blank.

Numéro Magazine ‘African Queen’ Editorial Uses White Model Ondria Hardin [UPDATE]

It was bad enough we had to report on TMagazine’s glaring lack of diversity in its relaunch issue, which was followed with an apology from its Editor-in-Chief Deborah Needleman.

Now comes this racially-insensitive gem. Jezebel’s Laura Beck has pointed outNuméro magazine‘s use of a highly bronzed white model in one of its fashion editorials entitled “African Queen.”

We’ll give you a moment to process that information and pick up your jaws.

Readers: I don’t know about you but I am so tired of the insensitivity of people. And then when they get caught in their in thoughtless act, they seem to think that an apology means something. When the only reason why they apologized is because people called them on their shit. Otherwise, forget about it – if they can get away with it they will, and they will, and they will…How disappointing. And it isn’t the first time this magazine did this. So what is their excuse this time?

What disappoints me too is the model. Yes, she is only 16, but really…why not take a stance and refuse the job. Yes, I realize it is “money” that she is giving up, so it is not my position to play with someone else’s livelihood. But hey,  isn’t that what she is doing by taking away a job that should’ve gone to a real “African Queen?”

Thoughts? Blog me. 

Mike, TM: Hey there. I HOPE your issues of getting on are over.

By the way, there was some great informative comments in yesterday’s post. Thank you.

Hey Howie: How are you doing? Yes, that would give me a little extra cash in my pocket, but this isn’t a “pay to play” place. Or maybe it should be – Your bill is in the mail. :)  On another note…That is very exciting news for Israel.

Zen Lill: You are just too smooth, girl. With respect to someone sitting in their car at their leisure, those people are perfectly fine with me. However, that was not the kind of person I was referring to. And actually, when I think about it,  a bad comparison when comparing them to my main topic yesterday, which is just waaaayyy over the top, as you stated. Confused? :)

Ellen: Amazing. They actually recognized your daughter, called her by her name and told her to come back on the weekend. I would’ve been furious.

Happy Saturday Everyone!

Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.

Gratefully your blog host,

michelle

Aka BABE: We all know what this means by now :)

If you love my blog and my writes, please make a donation via PayPal, credit card, or e-check, please click the “Donate” button below. (Please only donations from those readers within the United States. – International readers please see my “Donate” page)

Or if you would like to send a check via snail mail, please make checks payable to “Michelle Moquin”, and send to:

Michelle Moquin PO Box 29235 San Francisco, Ca. 94129

Thank you for your loyal support!

All content on this site are property of Michelle Moquin © copyright 2008-2012

“Though she be but little, she be fierce.” – William Shakespeare Midsummer Night’s Dream 

" Politics, god, Life, News, Music, Family, Personal, Travel, Random, Photography, Religion, Aliens, Art, Entertainment, Food, Books, Thoughts, Media, Culture, Love, Sex, Poetry, Prose, Friends, Technology, Humor, Health, Writing, Events, Movies, Sports, Video, Christianity, Atheist, Blogging, History, Work, Education, Business, Fashion, Barack Obama, People, Internet, Relationships, Faith, Photos, Videos, Hillary Clinton, School, Reviews, God, TV, Philosophy, Fun, Science, Environment, Design, The Page, Rants, Pictures, Church, Blog, Nature, Marketing, Television, Democrats, Parenting, Miscellaneous, Current Events, Film, Spirituality, Obama, Musings, Home, Human Rights, Society, Comedy, Me, Random Thoughts, Research, Government, Election 2008, Baseball, Opinion, Recipes, Children, Iraq, Funny, Women, Economics, America, Misc, Commentary, John McCain, Reflections, All, Celebrities, Inspiration, Lifestyle, Theology, Linux, Kids, Games, World, India, Literature, China, Ramblings, Fitness, Money, Review, War, Articles, Economy, Journal, Quotes, NBA, Crime, Anime, Islam, 2008, Stories, Prayer, Diary, Jesus, Buddha, Muslim, Israel, Europe, Links, Marriage, Fiction, American Idol, Software, Leadership, Pop culture, Rants, Video Games, Republicans, Updates, Political, Football, Healing, Blogs, Shopping, USA, Class, Matrix, Course, Work, Web 2.0, My Life, Psychology, Gay, Happiness, Advertising, Field Hockey, Hip-hop, sex, fucking, ass, Soccer, sox"