Archive for January 2011

Last sight-seeing day in California Dec 30, 2010   Leave a comment

 

These pictures were taken along the Big Sur Coast.  Love that California cows have such a nice view of the ocean.  December 30 was a very windy day adding to white caps.  A windy December day in California beats any and all winter days in the Midwest.  I flew home on December 31, the day 13 tornados were reported in Missouri.  The worst tornado (EF3) less than 10 miles from home.  Check out this site for path, description, pictures and You Tube links http://www.crh.noaa.gov/lsx/?n=12_31_2010  Fun weather stuff coming soon!

 

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Posted January 27, 2011 by cjaaron1 in Uncategorized

And even more California Pictures Dec 29, 2010   Leave a comment

When your sister is a docent for the Monterey Bay Aquarium, you have a very special guided tour.  I am so impressed that most people in the bay area, not just the ‘tree huggers’,  exude a consciousness of protection for the bay and surrounding areas.  If you get a chance to visit the aquarium, don’t miss feeding time for the sea otters and the dual flush toilets (water conservation).    Say “Hi” to the volunteers in the Red Jackets, they have spent many hours in training to help you enjoy your Monterey Bay Aquarium experience. 

Sardines swirling in the Kelp Forest tank.

 

Leafy Sea Dragon seahorse

 Crystal Jellies

 Jelly Fish

More Jellies

Taken from the observation deck behind the aquarium looking into Monterey Bay.  It was a very windy day causing white caps and this otter appeared to be playing and enjoying the day even thougth we humans may have thought yeww windy rainy yuck day.

Taken at Coral Reef in Splash Zone

Blackfooted Penguin

Posted January 16, 2011 by cjaaron1 in California, Photography

More Pictures from California Dec 28, 2010   2 comments

 

 Sunrise in San Francisco.  I have not edited – these were the morning’s colors.  It started raining around 10 AM.

 

Rainy day in San Francisco beats a freezing day in the Mid West any winter day! Entrance to China Town.

 

 Painted Ladies Beautiful homes with beautiful view.  Can’t imagine those steps moving in/moving out much less bringing in groceries.

  

Haight at Ashbury.  San Francisco has many interesting sights.  I will return someday but enjoy the natural beauty over the man-made  beauty of the area.

Posted January 15, 2011 by cjaaron1 in California, Photography

More Pictures of California Dec 27, 2010   Leave a comment

Above: Golden Gate Bridge with Angel Island, San Francisco and Bay Bridge in back ground.  This was taken from Golden Gate Headlands.

Above:  My tour guides Sister Patty and Brother-In-Law Ken.

Above:  Golden Gate Headlands.  wet season brings about a variety of color.

Above: Fog Bank in back ground.  Learned that winter time (California wet season) brings less fog.  Not long after taking this picture this fog bank nearly dispersed completely.

Hi-Pigeon Point Lighthouse Hostel

Posted January 6, 2011 by cjaaron1 in California, Photography

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What happens when you ask “Who owns my mortgage?”   Leave a comment

http://www.huffingtonpost.com/2011/01/05/honey-i-shrunk-the-credit-score_n_804105.html

 “…never missed a payment on his home, or even sent one in late.  Right before sending a [“Where’s the Note?”] letter to Bank of America, he’d checked his credit score — a near-perfect 780. He continued to pay on his mortgage after sending the request, only to find that his score had dropped 40 points to 740.”

 Just as I was afraid of, if you ask who owns your mortgage you are immediately punished for asking.  BofA isn’t the only guilty party, it looks like Wells Fargo and GMAC have the same practice.

Check this statement out:  Story continues below

“Bank of America doesn’t own either Marks’ mortgage or Dasinger’s — it owns the right to “service” their loans. In good times, a loan servicer collects payments and forwards them to the investors who own the loan, skimming a little bit off the top for their services. In bad times, BofA and other servicers charge late fees, negotiate new terms with troubled borrowers and, frequently, foreclose.

Servicers report borrowers’ payment history to the so-called “Big Three” credit-reporting bureaus — Experian, TransUnion, and Equifax — who plug that data into algorithms for determining credit-worthiness. Borrowers can raise disputes over items on their credit reports, which, apparently, is what the bank told the bureaus Marks and Dasinger were doing.

“Further as a member of the credit granting community, Bank of America, like most creditors, relies on the accuracy and validity of the information obtained from the various reporting agencies,” the bank said in both its letter to Marks and its letter to Dasinger. “Therefore, we will not remove the negative credit reporting from your credit file.””

So if I read this correctly BofA owns the ‘service’ portion of the loan and doesn’t actually own the loan any more, it also appears the BofA did not inform the consumer that the loan had been sold.  In addition, in these specific instances BofA “will not remove the negative credit reporting”.  BofA reported the consumer as a ‘credit risk’ because they asked WHO OWNS… and now refuses to remove the negative report damaging the consumer credit (only slightly). 

I wish Wiki Leaks would hurry up and start posting the ‘banking’ leaks they have threatened.  I think we’ll find out that most loans fall into this type of ‘good intent’ black hole(mortgage instrument owner/mortgage instrument serviceser) including car loans, seconds, etc.  In the mean time, I’m sure a ruling of ‘good intent’ will again be determined like happened after the foreclosure moratorium due to ‘illegal affidavits’.  It amazes me that the financial industry continues to do as they please instead of following the regulations that were established to protect consumers. 

Posted January 5, 2011 by cjaaron1 in Politics

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California Trip Dec 26, 2010   Leave a comment

 

 

 

 

 

 

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Posted January 4, 2011 by cjaaron1 in California, Photography

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Introduction   Leave a comment

 

 

New To Blogging

A little about me: Married female in my fifties living in the mid-west. I love submerging myself in an area of interest. Currently my general areas of interest include; politics (left leaning), hobbies (basket weaving, photography) and getting my house organized. I enjoy classical music, music of the 70’s and NPR. Yes, I’m ashamed to admit that I do enjoy the craziness of reality TV too. I am entertained by MSN News night-time line-up but listen to the ‘other side’ too. I try to gather my news from several different sources because I think all sources have an agenda and need to present information according to their audience wants not necessarily the information that is needed. I read complete bills before voting.

I decided to start this blog because there are times that I need an outlet, a vent, a pensieve (Harry Potter reference). I will use this space to share photos, thoughts and most likely a link or 2 dozen.

I had the opportunity to visit Central California between Christmas and New Year and have added a few of my favorite photos from my visit. Thanks again Patty and Ken for being GREAT tour guides. I am so glad we got to go to at least one place that you hadn’t been before.

Photography Accomplishments: http://www.bobsresort.com/

Posted January 4, 2011 by cjaaron1 in Uncategorized