Places Links:

  MY ENTIRE WEBSITE
  EARTH HOLIDAYS
  FAVORITE PLACES
  BOTTOM OF PAGE

MY ENTIRE WEBSITE:

Take This Warning,
you who would hurt
the creatures of wood,
meadow, and hearth.
Beware the Catwomen,
who follow Artemis.

PUMA PAC

The Spiraling Cycle
(My Spiritual Home page)
Higher Consciousness
(My Story;The Cat's Story)
Subconscious
(find the secret clicks and the deeper in you will go)
Consciousness
(the blog you are reading now)

Magic Carpet Links
in each Moon

Blog Moon
Places Moon
Social Change Moon
Book Moon

Back to the top of this page


Earth Holidays

"From conception the increase
From increase the swelling
From swelling the thought
From thought the remembrance
From remembrance the consciousness,
the desire..."
---- Maori Creation Chant

Winter Solstice
First Light
Spring Equinox
May Day
Summer Solstice
First Fruits
Autumn Equinox
All Hallows Eve



moon phases
 

Back to the top of this page


 Favorite Places  

MOST FAVORITE PLACE
Myth*ing Link

-0...9-
45 million voices Abortion stories

-A-
ABA News
Abolish Sport Hunting
Abolish Animal Terrorism
Abolitionist On-line
Abuse tracker
Action for Change networking site for change agents
"Afghanistan` Project"
Animal Liberation Front ALF
(May the Universe Keep Them Safe and Active for they are the finest of us all and they harm no living thing despite what the bosses tell you)
Animal Police
Animals and Politics
Animal in WI Recomended Site
Anti-Slavery International
More animal links on my website under Social Change Moon
American Thinker
American Center for Democracy Libel Tourism and first amendment rights
Archetypes
Art Links Place's Moon - 3rd col
Art that Saves Animals
Arts Wisconsin
Ashes & Snow use mouse on each picture
ASPCA
Art original

-B-
Banking on Heaven polygamy video
Beautiful Links
Bees do not Sting
Bees & Wannabes
Best Friends Sanctuary and Resources
Big Poon's Very Best Catnip
BILL OF RIGHTS
Bird Food

-C-
C-Span Video Library
CAIDS - Hunters for intelligent alternatives to Chronic Wasting Disease hysteria
Catch the Moon
Center for Feminist Art
The Center for Responsible Lending
Center for Gender Refugee Campaigns
Ceramic Sculpture
Birds View - Creamic Sculptures of Jacqeline Jrolf
"A Libra whose element is air. She makes birds and what is happening to the air (and herself) through birds"
Chicago Women's Liberation Union
Coalition for American Workers Save jobs for citizens. Prevent in and outsourcing jobs.
Compassion Over Killing
Conflict Resolution

Corporate Control of US Democracy
Cosmology 3D
Cows with Guns

-D-
Daily Coyote
  New Daily Coyote
New Daily Coyote
Daily Puma
Dhimmi Watch
Donna Hughes

-E-
Earth Best Defense
Earth Justice Because the earth needs a good lawyer: recommended site
Eat Well at Veg Web
Equal Pay Act Check out how this site has changed under the BO adm. They have a link to go to the old site. Go to the old site to see then and now – they will keep the old site up for a few more months
Equal Rights Amendment
Equal Pay -after 45 years
ET Vegan
Earth & Sky
Eastern Shore Sanctuary
Enough genocide discussions and reports
Equality 4Women Reference papers for organizing
Exploitation and trafficking in Women (Hughes)
Easy to understand/enviromental Issues

Back to the top of this page

-F-
Fact Check
Female Genital Mutilation
Family Court Issues for Feminists – Custody - Abuse
Feminist Literature 1405-2011
Feminist News
Feminist News Service
Feminist Peace Network
Feminist Research
Fight for Free Public Resources
Fixed Star consultations
Florizel
Flying Elephants Foundation
For Any Soldier
Food Fight
Food Politics
Free the Slaves click on the Blog link
Free US Now Radio
Foster Parrots LTD

 

-G-
Garden Habitat
Galapagos Preservation Society
removal of feral (recommended site)

Genderberg Resource for sexual exploitation activists and researchers
Global aid from US
Great Cards
Green Earth Travelvegetarian travel tours
Greener Choices
Green Energy Policy
Guide to Vegetarian Restaurants & Health Food Stores in USA

-H-
Handmade Nation
Documentary for Handmade Nation
Hedge Craft Rae Beth
Herbarium
Hillary's Voice NP Blogroll


Human Trafficking Middle East
    State Dept's Office

-I-
I AM NOT SORRY NEWS
Illusion Science
Immigration studies
Inclusive Security
Initiative to Educate Afghan Women
Institute for Inclusive Security
Women's Liberation Globally
Intern'l Museum of Womenwomen's art
Iran and Kurd Women's Rights
Isabella's Closet

-J-
JaneDoeThreads
Jane Goodall Institute
Jihad Watch
Judy Chicago
Judy Chicago Gallery Art
Jung Personality Test

-K-
KUAN YIN

-L-
Law
Law Library free
Law News
Lobby for Animals
Latina Women Human Rights

-M-
Mad Cowboy
M.A.R.V. (Milwaukee Area Resources for Vegetarians)
Medicinal Herbs
Menstruation
Military Sexual Assault Response and Prevention
Women Organizing Against Military Sexual Assault
Service Women's Support Network
Military Rape research
Monarch Watch - Grow Milkweed!
Moo Shoes
Moonlady Pages
Muslims Against Sharia

-N-
Natural Resources Defense Council
NOW News
The National Women's Law Center
Numbers USA Bi partisan immigration reduction organization

-O-
On the Question of Animal Rights
Open Secrets
   Open Rescue
Open Rescue

Opinions You Should Have
ohmidog!
Operation Bagdad Pups

-P-
Visit Green's profile on Pinterest.
Popvox - TO Follow a Bill in Congress
Prostitution Research & Ed
Prostitution Rescue
PC Organization
Primate Freedom (RECOMMENDED SITE)
PaganNews.com
PISSD - Personal Injury, Social Security Disability injured and disabled persons mistreated by government and insurance companies
Peaceful Choices
Place Moon alternative energy
Polaris Project anti slavery/trafficking

-Q-

-R-
REAL POLITICS
Refugee Resettlement Watch recommended site
Residential Property Issues
Responsible for Equality And Liberty (R.E.A.L.)
ROCK ENVIRONMENTAL NETWORK

-S-
Sari Art
Sair Art

Sea Shepherd
Skin Deep check your cosmetics to see how toxic they are to your health
Smoothies Recipes for Smoothies
Spirit of America 100% of your tax-deductible donation goes to these projects initiated by Americans serving abroad
Stateline (News from the States)
Stop Honor Killings
Stray Pet Advocacy

Sexual Offenders
National Sex Offender Registry
Sleepwalking to extinction
Survivors of Clergy Abuse
Wisconsin Sex Offender Register

-T-
Track Fed Legislation
Treehugger
Travel Guide (Vegetarian)
Treating Glaucoma
Top Ten Links
Treasures
Trafficking in Women-International
THE CITY EDITION
   RECOMMENDED SITE

-U-
Understanding Taqiyya
US Constitution

-V-
Vegetarian Restaurants in Wisconsin
Vegan Essentials
Vegetarian Meals Delivered
Vegetarian Food Facts
Vegetarian Resource Group
void of course
Vegan Nutrition Podcasts
VINTAGE HALLOWEEN
Sacred hallows-not horror violence

-W-
Wiscat, Wisconsin’s union catalog
Enter the term, “women,” 444 entries; books, periodicals, oral history interviews, and manuscript collections.

WI Best Friends (recommended animal rescue site)
Wisconsin Woodland Owners and Lovers
Wild WI
Wild Ones
Wolf Pack Tarot
WOMEN AGAINST FUNDAMENTALISM IN IRAN Support Women Slaves Struggling to Organize in Iran - NOW! Follow the link above to find the website of women organizing behind burqas to bring freedom to Iran
WOMEN AGAINST SHARIA
Women in the Muslim World
Women Living Under Muslim Laws
Intern'l Women's Day March 8
Women's Foreign Policy Group
Women's Freedom Forum
Women's History Archives
Women's History Month In 1987, Congress declared March to be Women's History Month
Women's Medical Fund, Inc Assisting Wisconsin women who want but cannot afford abortion - please help
Women’s Studies Librarian’s Office Home of Feminist Collections Journal
Women's Suffrage Day August 26th
Women United
Woodstock Farm Sanctuary
WI Coalition Against Domestic Violence I rarely agree with these liberals who take a great deal of the DV funding
WI Incentives for Renewables and Efficiency
WI Newspapers Forum & Blogs
WisconSUN
WI Statutes
WI Vegetarian
WI Veterans Museum
WI Watch Reporters covering the underbelly of policy shaping WI while you are unconscious

-X-

-Y-

-Z-


Despite the challenges, we were seeing free and democratic Iraq, we were living the hard laboring moment we believe that every one of us has duty towards our beloved country. By our hands, work, thoughts, sacrifice we will build up the new Iraq.


Back to the top of this page





Obama Overhauls Failed HAMP One Year Ago: How Many Of You Got Your Principal Reduced?

Obama Overhauls Failed HAMP Loan Modification Program By Alyssa Katz
Posted Mar 26th 2010 10:29AM


Home Affordable Modification Program, the year-old government program to save homeowners from foreclosure, is a flop.

Today, the Obama administration is set to announce new aid for many homeowners in trouble, who have been beyond help under the limited rules of the old HAMP program.

Using $14 billion more from Troubled Asset Relief Program, or TARP, Treasury for the first time will support reductions of principal that borrowers owe – a crucial step in bringing underwater borrowers back into financial stability. (Ironically, Bank of America beat them to it with a principal reduction program it announced yesterday).

And there's even bigger news in store. The administration may also allow some borrowers who owe more on their mortgages than their homes are worth to refinance into new, smaller mortgages that are based on their actual home values through the Federal Housing Administration.

This is starting to sound like what homeowners have been waiting for since the foreclosure crisis began – a 21st century version of the Home Owner's Loan Corporation, President Franklin Delano Roosevelt's agency that refinanced more than 1 million Depression-era homeowners into new and more affordable mortgages.

Now, $14 billion isn't going to go very far, even though Treasury will have to ask lenders and investors mortgage-backed securities to pay part of the price tag. The success of HAMP, Take 2, will depend on how aggressively Treasury is willing to force investors to take losses. Now that almost all the big banks have paid back their TARP bailout money and have a (supposedly) clean bill of health, they should be able to take some controlled hits from mortgage-securities losses and not end up in the graveyard alongside Lehman Brothers. It's a little comforting to know Treasury is at least this itty bit confident in the financial stability of banks, and insisting that lenders share in the pain with homeowners.

The truth is that with each passing month, it became harder for Treasury to spin its old mortgage modification program as a success. Out of more than 1 million who got trial modifications, just 168,708 borrowers had received permanent modifications. (One reason: those million didn't have to submit documentation proving their income and debts, and many sought the trial modifications as a way to buy a few months of free housing even though they had no intention of paying.) And as some critics have warned before, those loan modifications borrowers did get were not only stingy – usually a couple of points off the interest rate temporarily – but left them owing big payments down the road. At best, they kicked the can down the road.

The administration's announcement is conveniently timed on the heels of a damning report released this week by TARP Special Inspector General Neil Barofsky. It finds that nearly one-third of the modifications under HAMP so far leave borrowers ultimately owing at least 70 percent of their monthly income in debt payments. Seventy percent! The formula used to decide on what borrowers can really pay only looks at housing-related debt, and not whatever they might owe a credit card or student loan company.

Who does it help, when a government program signs up a homeowner to commit to those kinds of debt payments? Not the homeowner, usually. Lenders, and investors in mortgage-backed securities, are the only ones who benefit from committing borrowers to those kind of crushing debt payments month after month. Lenders have been promised they'll get paid – when borrowers have been able to keep up, that is. Not surprisingly, many haven't been able to.

There's a simple equation here. Someone has to pay for massive mortgage losses tied to declining property values and rising unemployment: borrowers, bankers, or government. Until now, borrowers have taken the brunt. Just 2 percent of the loan modifications so far have involved principal reductions, Barofsky found. The rest are just another version of a teaser rate mortgage – eventually, the borrower has to pay. Under the new plan, the administration is telling bankers and investors that they have no choice but to take a hit, too.

Banks know that their day of reckoning will come. This week, Bank of America announced it will now be forgiving principal for some borrowers.

One reason Treasury has waited so long is that it doesn't want to encourage people to stop making mortgage payments in the hope of getting a bailout. Then there's the inevitable backlash from the majority of borrowers out there who were prudent, put down large down payments and didn't take cash-out refinances, wondering why the most reckless borrowers are among the ones getting a bailout.

I hear you. Some homeowners who used their real estate as ATMs will get help here -- along with many others who were a lot more cautious about their borrowing but got roped into using risky mortgage products, or have seen their income drop. It's also smart to worry about putting highly leveraged borrowers into the FHA insurance program.

But responsible mortgage borrowers: How do you feel about the alternative? Are you prepared to see your own property values plummet further as millions more go into foreclosure? Be careful what you wish for.

GO TO THIS POST AND READ THE 123 COMMENTS; THEN
ALSO SEE HERE.

BANK OF AMERICA HAS A PROGRAM - SEE HERE.
Lita Epstein

Mar 24th 2010 

If you have a loan directly from Bank of America or Countrywide and are 60 days or more late, you may qualify for its new "earned principal forgiveness."

Also about 95% of the loans that Bank of America services for private investors in which the investor has delegated authority to the bank may qualify.

The types of loans that may qualify include: pay option ARMs,  prime two-year hybrid mortgages and  subprime loans initially offered by Countrywide.

Fannie Mae and Freddie Mac loans will not be eligible.


0 Comments:

Post a Comment

Links to this post:

Create a Link