Sugary Kisses!

Man getting older really changes you, now that we have a mortgage and are older we don’t mind staying home. I love staying home; sometimes he has to make me get out the house. My thing is ya work so much you just want to be home some days. Last few weeks have been sooo busy for me. Birthday parties, hanging out with other couples, and getting hair done, grocery shopping, etc. Just seem like there isn’t enough time in the day!. I have made a goal to have a “don’t ask me to do shyt” Sunday lol. No company, no I can’t come see you…nada!. Anyhoo, what yall got planned for the weekend? I am going to go return comments today too. Sorry guys!!!

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Wowwwwwww look at this article! This is why having a real estate lawyer comes in play. One that’s not referred by your broker. How do you take a broker’s “word” for your payment when u sign a bunch of docs and see numbers?! Shit is crazy to me. Read below:

HARTFORD, Conn. (CNN) — Yolanda Cruz knew soon after she refinanced her home two and a half years ago she had a problem.

She thought the $1,478 monthly payment quoted by her mortgage broker included taxes and insurance. In fact, Cruz says she asked the broker repeatedly if those costs were included and was reassured they were.

“We just took his word for it, and unfortunately that’s not what it was,” Cruz said.

Soon, she began receiving tax bills from her town of East Windsor, Connecticut. She couldn’t afford to pay them.

“I feel I was taken advantage of,” Cruz said.

Cruz contacted her lender right away - the beginning of a two-year effort to renegotiate her mortgage. She called and wrote letters, and although the mortgage company told her they were willing to work with her, they wouldn’t rework the loan or forgive any arrears.

She says the current loan servicer — America’s Servicing Company (ASC), sent her incomplete paperwork, and even seems to have lost one of her checks.

“When I try to call….I feel I’m getting the runaround first of all, and then we keep going back to the beginning every time.”

Cruz, who sought help from the Connecticut Fair Housing Center, tried for months to resolve the problem. All the while she continued to make the monthly payments at rate that she had agreed to in 2005, $1,478. The problem: That payment didn’t cover her taxes or her insurance.

After filing mountains of paperwork, she thought she had a deal: a catch-up payment of $3,000 was supposed to save her house. She sent a bank check via registered mail to her servicer. According to Cruz, ASC said the check wasn’t for the right amount and they would return it to her.

Cruz said she never got the check back. Instead, she was served with a foreclosure notice. On March 13, Cruz learned that the check had been cashed, but it was not clear who signed for it.

Her experience, say housing advocates, is typical of many who struggle to get the loan servicers to renegotiate loans that are no longer affordable.

“The problem is, the servicer doesn’t have the power to renegotiate a loan,” said Erin Kemple, the Connecticut Fair Housing Center’s Executive Director. “Because they don’t actually own the loan [they can’t] make changes to the payment plan.”

Most mortgages, including the one held by Cruz and her husband, aren’t owned by a single bank. Instead, they are packaged and sold to investors on the secondary market, which means that loan servicers are actually beholden to investors, not borrowers.

“All they are doing is managing this loan for a group of investors, so there’s no way that the investors can be asked, ‘Can we rest this loan?’” said Kemple.

Borrowers like Cruz may be offered a temporary repayment plan, which keeps foreclosure at bay, but tacks the owed money onto to the back of the loan.

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I am gettn my hair done, which on the eastcoast is known for having dominican styists. Why I came in at 5:40 and at 5:50 (on a wednesday) I’m under the dryer? LOL. Talk about rushin a sista out. I aint mad cause I hate spending all my time in a salon. Right after work, Ty dropped me off and went to the gym down the street. This beats coming on a sunday and being here with everyone else.

Tonite I was suppsoed to cook taco salad but since we won’t get home until later, we are gonna just grab some subway and call it a night. Oh bring on Friday already!

We are actually getting in this, this is huge. We’ve been waiting on visa for a min. Read the artlce below from cnnmoney.com

Visa’s IPO rings up a gain

NEW YORK (Fortune) — Visa, the credit card issuer that set an IPO pricing record, popped when it debuted Wednesday on the New York Stock Exchange at $59.50, up 35% from its $44-a-share IPO price.

“Visa is a unique IPO in a bad market. It’s an island unto itself,” says Sal Morreale, who tracks IPOs at Cantor Fitzgerald. “It was the most highly anticipated deal this year and considering the way the market has been, this is a very good open.”

Visa (V) shares fell to $59 at about 11:15 a.m. ET. Shares of rival MasterCard (MA) were up about 1.3% midmorning on Visa’s strong debut.

Morreale adds that we may have seen Visa hit its high for the day. “There was a lot of enthusiasm in the morning. Plus, it opened on 30 million shares and it’s a 400 million-share deal.”

The initial public offering made Visa’s new owners very, very rich when it priced Tuesday night for a record-breaking $17.9 billion. The San Francisco-based credit card company sold 406 million shares at $44 a share, $2 above its estimated $39-$42 range.

Visa said in a statement that the underwriters have a 30-day option to exercise a green shoe provision, which is an option to buy an additional 40.6 million shares. That would push the value of the deal to about $19.7 billion.

Visa also said it would rake in approximately $17.3 billion in net proceeds, and there’s more coming should the additional share option be exercised.

This is welcome news for the underwriters, many of which are cash-strapped Wall Street banks battered by troubled portfolios of mortgage-backed securities and by the credit crunch. JPMorgan Chase (JPM, Fortune 500) and Goldman Sachs (GS, Fortune 500) were the lead underwriters, while Bank of America, Citigroup (C, Fortune 500), HSBC, UBS, Merrill Lynch, Wachovia, and Wells Fargo also worked on the IPO.

There are high hopes for Visa, despite months of stock and bond market turmoil that has dragged the three major indexes lower and pushed bond yields to their highest levels in years. While no one believes that the markets will rebound because of Visa, analysts believe its success could breathe life into a stagnant IPO market.

“We’re in a period when so few IPOs have been done that underwriters are not making money in fees. The success of this deal could slowly rekindle the IPO market,” says Scott Sweet, managing director of IPOboutique, a research firm based in Florida.

Since the beginning of the year, 21 IPOs have been cancelled and five have been postponed, according to IPO research firm Renaissance Capital.

Analysts also say that Visa is on solid financial footing and has what it takes to deliver steady earnings growth. Even though a quarter of its revenues come from only five banks that could at any time terminate their relationship with the card issuer, Visa is still the number one brand in credit cards. It commands more market share than MasterCard, American Express (AXP, Fortune 500) and Discover Financial Services (DFS) combined. It is growing at about 11% a year, and should see 18% growth outside of the United States through 2012.

In short, it is the type of company that should be a dependable long-term investment.

Much of this optimism is due to MasterCard (MA), which went public in May 2006 at $39 a share. The stock nearly quintupled when it hit a peak near $227 last December, and has since fallen to about $210.

“MasterCard’s success and the valuation it currently receives bode well for Visa,” says David Menlow, director of IPOFinancial.com. “Visa may even have gotten more for their IPO than they might have if they had gone first and MasterCard had gone second.”

This is because when MasterCard debuted, few people understood that it only processes transactions and does not hold consumer debt. Now investors understand that the companies are not exposed to cash-poor customers and can even benefit if people are forced to use credit to pay for groceries and gas.

But buyer beware. Visa is priced at about 30 times its trailing price-to-earnings ratio, compared to a P/E of 21 for MasterCard.

Says Menlow: “Now we just wait and see whether Visa can deliver on its promise.” To top of page

From CNN.COM

Interesting….

CNN) — Barack Obama and Hillary Clinton would both statistically tie Republican John McCain in a general election matchup, a new CNN/Opinion Research Corporation poll indicates.
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A new poll shows either Barack Obama and Hillary Clinton in a statistical tie with John McCain.
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According to the poll released Tuesday morning, both Obama and Clinton are locked in a dead heat with the Arizona senator.

If Obama were to win the nomination, he would get 47 percent of the vote compared to 46 percent for McCain — a statistical tie given the poll’s 3 percentage point margin of error. Should Clinton win the nomination, the poll suggests she would get 49 percent compared to McCain’s 47 percent — another statistical tie.

While Clinton and Obama match up equally with McCain, CNN Polling Director Keating Holland notes the two Democrats appear to be drawing support from different groups of voters.

“Clinton appears to do a little bit better than Obama among older voters, women, and self-identified Democrats against McCain; Obama’s numbers may be slightly better among younger voters and those who describe themselves as Republicans and Independents,” Holland said.

The poll also shows all three presidential candidates get high marks from voters on the issue of the economy — roughly two-thirds of those surveyed say each of the candidates would do a good job handling the issue. This appears to be good news for McCain, given that the incumbent president’s party is often blamed for economic woes.
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“The fact that McCain is currently holding his own on the economy with the two Democratic candidates does help to explain why the general election matchups are so close even though most Americans think the country is in a recession,” Holland said.

McCain is also aided by his strength on the terrorism issue. Roughly three-quarters of all Americans think McCain would do a good job fighting terror while Obama and Clinton score significantly lower — although a majority of those polled think either Democrat would do a good job.

But Obama and Clinton both get higher points than McCain on handling health care. More than two-thirds say the two Democrats would handle that issue well, while 57 percent who say the same for McCain. And nearly 1 in 5 voters say that the nation’s health care system is their top concern — almost twice as many as the 10 percent that cite terrorism.

On immigration, McCain and Obama get roughly the same high marks on the issue, with Clinton close behind. E-mail to a friend E-mail to a friend

Guess where I am? Yup at the gym, where’s Ty? In bed?! Lol he promised me would go at 5am. Well when 5am rolled around I got the “baby I didn’t get any sleep, with it bein too hot n u rollin over a lot” oooh no mr. We went to sleep at the same time AND he had a 3 day weekend and i had to work on Monday. Suck it up!

So I came by myself cause I was determined lol. Ugh men suck some days lol

“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” - Aristotle
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Ok I post from you straight from my blackberry curve. Me and Ty upgraded our bbs as we do yearly and we got the lastest blackberry. Yea only costed us 300 each to do lo and that’s the discount!. Anywhoo right now I’m at the gym on a elliptical and felt the need to post on random thoughts I’m havin right now.

Last week I haven’t hit the gym like I coulda cause we were sick. Honestly I fell off a bit since loosin 11lbs. I didn’t gain but now I renewed my commitment cause summers almost here!

here are some random ish:

1) I love rihanna’s song “rehab”.

2) I don’t feel like gettn up early to go get my hair washed

3) Don’t u hate people who lie to make their life seem so grand? I was talkn to one of my best friends about it, its transparent to me but I guess if that’s what makes u like u, then go ahead I guess

4) I gotta wash clothes today, thank god Ty bought me a washer n dryer lol.

Ok ill be back..u know I got ADD lol

FROM CNN:

LOS ANGELES, California (AP) — Public documents show Michael Jackson has repeatedly failed to make mortgage payments on a Los Angeles home that has been used for years by his family.
Jackson

As of January 17, Michael Jackson had $153,910 missed payments on a home used by his family.

Documents filed with the Los Angeles County Recorder’s Office indicate the reclusive pop star was most recently in default last month on the property in Encino, an area in the San Fernando Valley.

The singer had $153,910 in missed payments as of January 17 on a $4 million loan serviced by Pasadena-based mortgage lender IndyMac Bancorp. Documents dated February 7 show the notice of default was withdrawn.

Documents also show Jackson previously faced possible default over missed payments on the home in April and August.

A spokeswoman for Jackson did not immediately return a call for comment.

Jackson’s Neverland property in Los Olivos, California, is set to be auctioned off March 19 because of missed payments on a $24.5 million loan.

Sorry I’ve been away, well today I am at home due to being sick . Thanks to Ty again lol. Not much has been going, same ole, same ole stuff. Thinking about going to do Cardio Kickboxing tonite. I want to sweat this cold out before it gets any worse. Its starting to get warm!!!, right now I show the weather at 46 degrees which is a step up cause it’s been coldddd on the east coast. Oh I spoke to my dad about our plans to get married, so he said he would pay for it as long as I give him two yrs. LOL, so for a free wedding we will wait, but Ty will give me my hardware soon or so he say. He says he will surprise me so that’s nice. Ok im going to lie back down, just wanted to touch base with yalllll. Oh go buy that Dream album, its hot!

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Ah so lovely aint it? Lol. Pooby is actually driving, we work at the same place but diff depts Look at our traffic on our way in. Also we carpool, yay@only driving one week a month to work n our car!

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