Tuesday 7 December 2010

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Here's something to be thankful for this day: Elizabeth Warren in Obama's economic team, already protecting consumers. HuffPo's Shahien Nasiripour reviews the record, and finds she was instrumental in recognizing the potential danger in the out-of-state notarization bill that Obama eventually vetoed.




The bill, which passed both houses of Congress and awaited President Obama's signature to become law, essentially would have compelled notaries to accept out-of-state notarizations, regardless of the rules in those states.



State officials across the country--who have been pursuing probes looking into wrongdoing within the foreclosure process-- feared that those jurisdictions with lax standards could have become hotbeds for foreclosure documentation fraud. Lenders and mortgage companies could have used those states as central clearing houses to produce bogus foreclosure paperwork, and then export those documents to other states with more stringent regulations--an expedient bypass around the strictures.



Obama ultimately declined to sign the law, and the House of Representatives failed to override the veto.



Officials said Warren was among the first federal officials to recognize the significance of the notary bill, titled the Interstate Recognition of Notarizations Act of 2010. She met with authorities from several states and then relayed their concerns to influential administration officials.



During the morning of Oct. 6, Warren's team at the Treasury Department wrote the first memos on the bill, raising questions about the possible consequences if it became law, these people said.



That evening, Warren met for 30 minutes with Peter Rouse, Obama's interim chief of staff, her calendar shows. She later spent an hour on the phone with Illinois Attorney General Lisa Madigan, who once sued Countrywide Financial and exacted an $8.4 billion multi-state settlement.



The next day, Warren participated in an afternoon meeting on the bill, her calendar shows. During that meeting one of Obama's top spokesmen, Dan Pfeiffer, posted an entry on the White House Blog explaining why Obama would not sign the bill.



On Oct. 8, Obama declined to sign the bill into law, citing the need for "further deliberations about the possible unintended impact" of the bill on "consumer protections, including those for mortgages."



Documents released Wednesday show that Warren met or spoke with at least eight state officials leading a 50-state investigation into possibly-fraudulent mortgage documentation practices.



As Nasiripour notes, Warren is increasingly being targeted by Republicans who want to stymy the work of the new agency. Knowing full well the forces that would line up against her, Warren has been meeting extensively with "bankers and their representatives. Financial executives and lobbyists have noted that Warren was reaching out to them more than they initially expected." Hopefully that outreach will help immunize her from her critics, because we need her, as the notarization bill veto demonstrates.



(See MediaFreeze's recommended diary for further discussion.)




(We never hear much anymore about that $25 billion dollar outlay from Fannie and Freddie, do we?)


There’s so much to talk about here. First off, if you subtract it out, roughly $38 billion in TARP savings is coming from under-delivery on HAMP. That’s 152% of the estimated total cost of the entire program. So if HAMP fulfilled its goals, TARP would have cost 152% more. In other words, a big element of the persistent theme of TARP “saving taxpayers money” comes from the government reneging on its promise to help struggling homeowners.


Second, the report makes clear that $8 billion of the $12 billion that will ultimately be spent comes from unrelated mortgage-relief programs outside of HAMP itself. In reality, HAMP will get a $4 billion dollar commitment when all is said and done, just 8% of the total allocated. The Hardest Hit Fund (grants to states with the biggest housing problems) and the FHA Short Refinance program (incentive payments for underwater borrowers), two programs created on the fly, will end up spending twice as much money as the Administration’s signature foreclosure mitigation program.


Third, this is a far more realistic assessment of HAMP than OMB’s insistence that $46 billion of the $50 billion will be spent. Unlike that projection, CBO looks at the actual numbers of homeowners participating in the program. This has fallen off considerably in recent months. Given that only 483,000 homeowners are currently in active, permanent modifications, and that fewer and fewer get their trial mods converted with each passing month, CBO’s numbers are simply more realistic. For OMB to be correct, some flood of permanent modifications would have to enter the system over the next year, and servicers don’t really want to modify any loans. So that’s not happening.


Fourth, let’s stipulate that HAMP was insufficient to deal with the enormity of the foreclosure mess even if it had worked perfectly. Federal Reserve Governor Elizabeth Duke testified before Congress a couple weeks ago that she expects 6.5 million more foreclosure filings between now and 2012, and if you add in 2009 you’d have over 8 million foreclosures while HAMP was active; other analysts put the number as high as 11 million. So its goal of 3-4 million modifications was under half of total foreclosure filings. And in reality, it didn’t cover more than 6%.


Fifth, as John Taylor of the National Community Reinvestment Coalition told CNBC yesterday, this unending stream of foreclosures serves as a lead weight on the economy. If you are going to cut back on any expenditure, the one that would curtail the supply on the market, stabilize neighborhoods, provide a floor for housing prices and start to allow homeowners to build equity again would not be the one.




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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Here's something to be thankful for this day: Elizabeth Warren in Obama's economic team, already protecting consumers. HuffPo's Shahien Nasiripour reviews the record, and finds she was instrumental in recognizing the potential danger in the out-of-state notarization bill that Obama eventually vetoed.




The bill, which passed both houses of Congress and awaited President Obama's signature to become law, essentially would have compelled notaries to accept out-of-state notarizations, regardless of the rules in those states.



State officials across the country--who have been pursuing probes looking into wrongdoing within the foreclosure process-- feared that those jurisdictions with lax standards could have become hotbeds for foreclosure documentation fraud. Lenders and mortgage companies could have used those states as central clearing houses to produce bogus foreclosure paperwork, and then export those documents to other states with more stringent regulations--an expedient bypass around the strictures.



Obama ultimately declined to sign the law, and the House of Representatives failed to override the veto.



Officials said Warren was among the first federal officials to recognize the significance of the notary bill, titled the Interstate Recognition of Notarizations Act of 2010. She met with authorities from several states and then relayed their concerns to influential administration officials.



During the morning of Oct. 6, Warren's team at the Treasury Department wrote the first memos on the bill, raising questions about the possible consequences if it became law, these people said.



That evening, Warren met for 30 minutes with Peter Rouse, Obama's interim chief of staff, her calendar shows. She later spent an hour on the phone with Illinois Attorney General Lisa Madigan, who once sued Countrywide Financial and exacted an $8.4 billion multi-state settlement.



The next day, Warren participated in an afternoon meeting on the bill, her calendar shows. During that meeting one of Obama's top spokesmen, Dan Pfeiffer, posted an entry on the White House Blog explaining why Obama would not sign the bill.



On Oct. 8, Obama declined to sign the bill into law, citing the need for "further deliberations about the possible unintended impact" of the bill on "consumer protections, including those for mortgages."



Documents released Wednesday show that Warren met or spoke with at least eight state officials leading a 50-state investigation into possibly-fraudulent mortgage documentation practices.



As Nasiripour notes, Warren is increasingly being targeted by Republicans who want to stymy the work of the new agency. Knowing full well the forces that would line up against her, Warren has been meeting extensively with "bankers and their representatives. Financial executives and lobbyists have noted that Warren was reaching out to them more than they initially expected." Hopefully that outreach will help immunize her from her critics, because we need her, as the notarization bill veto demonstrates.



(See MediaFreeze's recommended diary for further discussion.)




(We never hear much anymore about that $25 billion dollar outlay from Fannie and Freddie, do we?)


There’s so much to talk about here. First off, if you subtract it out, roughly $38 billion in TARP savings is coming from under-delivery on HAMP. That’s 152% of the estimated total cost of the entire program. So if HAMP fulfilled its goals, TARP would have cost 152% more. In other words, a big element of the persistent theme of TARP “saving taxpayers money” comes from the government reneging on its promise to help struggling homeowners.


Second, the report makes clear that $8 billion of the $12 billion that will ultimately be spent comes from unrelated mortgage-relief programs outside of HAMP itself. In reality, HAMP will get a $4 billion dollar commitment when all is said and done, just 8% of the total allocated. The Hardest Hit Fund (grants to states with the biggest housing problems) and the FHA Short Refinance program (incentive payments for underwater borrowers), two programs created on the fly, will end up spending twice as much money as the Administration’s signature foreclosure mitigation program.


Third, this is a far more realistic assessment of HAMP than OMB’s insistence that $46 billion of the $50 billion will be spent. Unlike that projection, CBO looks at the actual numbers of homeowners participating in the program. This has fallen off considerably in recent months. Given that only 483,000 homeowners are currently in active, permanent modifications, and that fewer and fewer get their trial mods converted with each passing month, CBO’s numbers are simply more realistic. For OMB to be correct, some flood of permanent modifications would have to enter the system over the next year, and servicers don’t really want to modify any loans. So that’s not happening.


Fourth, let’s stipulate that HAMP was insufficient to deal with the enormity of the foreclosure mess even if it had worked perfectly. Federal Reserve Governor Elizabeth Duke testified before Congress a couple weeks ago that she expects 6.5 million more foreclosure filings between now and 2012, and if you add in 2009 you’d have over 8 million foreclosures while HAMP was active; other analysts put the number as high as 11 million. So its goal of 3-4 million modifications was under half of total foreclosure filings. And in reality, it didn’t cover more than 6%.


Fifth, as John Taylor of the National Community Reinvestment Coalition told CNBC yesterday, this unending stream of foreclosures serves as a lead weight on the economy. If you are going to cut back on any expenditure, the one that would curtail the supply on the market, stabilize neighborhoods, provide a floor for housing prices and start to allow homeowners to build equity again would not be the one.




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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...




Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Here's something to be thankful for this day: Elizabeth Warren in Obama's economic team, already protecting consumers. HuffPo's Shahien Nasiripour reviews the record, and finds she was instrumental in recognizing the potential danger in the out-of-state notarization bill that Obama eventually vetoed.




The bill, which passed both houses of Congress and awaited President Obama's signature to become law, essentially would have compelled notaries to accept out-of-state notarizations, regardless of the rules in those states.



State officials across the country--who have been pursuing probes looking into wrongdoing within the foreclosure process-- feared that those jurisdictions with lax standards could have become hotbeds for foreclosure documentation fraud. Lenders and mortgage companies could have used those states as central clearing houses to produce bogus foreclosure paperwork, and then export those documents to other states with more stringent regulations--an expedient bypass around the strictures.



Obama ultimately declined to sign the law, and the House of Representatives failed to override the veto.



Officials said Warren was among the first federal officials to recognize the significance of the notary bill, titled the Interstate Recognition of Notarizations Act of 2010. She met with authorities from several states and then relayed their concerns to influential administration officials.



During the morning of Oct. 6, Warren's team at the Treasury Department wrote the first memos on the bill, raising questions about the possible consequences if it became law, these people said.



That evening, Warren met for 30 minutes with Peter Rouse, Obama's interim chief of staff, her calendar shows. She later spent an hour on the phone with Illinois Attorney General Lisa Madigan, who once sued Countrywide Financial and exacted an $8.4 billion multi-state settlement.



The next day, Warren participated in an afternoon meeting on the bill, her calendar shows. During that meeting one of Obama's top spokesmen, Dan Pfeiffer, posted an entry on the White House Blog explaining why Obama would not sign the bill.



On Oct. 8, Obama declined to sign the bill into law, citing the need for "further deliberations about the possible unintended impact" of the bill on "consumer protections, including those for mortgages."



Documents released Wednesday show that Warren met or spoke with at least eight state officials leading a 50-state investigation into possibly-fraudulent mortgage documentation practices.



As Nasiripour notes, Warren is increasingly being targeted by Republicans who want to stymy the work of the new agency. Knowing full well the forces that would line up against her, Warren has been meeting extensively with "bankers and their representatives. Financial executives and lobbyists have noted that Warren was reaching out to them more than they initially expected." Hopefully that outreach will help immunize her from her critics, because we need her, as the notarization bill veto demonstrates.



(See MediaFreeze's recommended diary for further discussion.)




(We never hear much anymore about that $25 billion dollar outlay from Fannie and Freddie, do we?)


There’s so much to talk about here. First off, if you subtract it out, roughly $38 billion in TARP savings is coming from under-delivery on HAMP. That’s 152% of the estimated total cost of the entire program. So if HAMP fulfilled its goals, TARP would have cost 152% more. In other words, a big element of the persistent theme of TARP “saving taxpayers money” comes from the government reneging on its promise to help struggling homeowners.


Second, the report makes clear that $8 billion of the $12 billion that will ultimately be spent comes from unrelated mortgage-relief programs outside of HAMP itself. In reality, HAMP will get a $4 billion dollar commitment when all is said and done, just 8% of the total allocated. The Hardest Hit Fund (grants to states with the biggest housing problems) and the FHA Short Refinance program (incentive payments for underwater borrowers), two programs created on the fly, will end up spending twice as much money as the Administration’s signature foreclosure mitigation program.


Third, this is a far more realistic assessment of HAMP than OMB’s insistence that $46 billion of the $50 billion will be spent. Unlike that projection, CBO looks at the actual numbers of homeowners participating in the program. This has fallen off considerably in recent months. Given that only 483,000 homeowners are currently in active, permanent modifications, and that fewer and fewer get their trial mods converted with each passing month, CBO’s numbers are simply more realistic. For OMB to be correct, some flood of permanent modifications would have to enter the system over the next year, and servicers don’t really want to modify any loans. So that’s not happening.


Fourth, let’s stipulate that HAMP was insufficient to deal with the enormity of the foreclosure mess even if it had worked perfectly. Federal Reserve Governor Elizabeth Duke testified before Congress a couple weeks ago that she expects 6.5 million more foreclosure filings between now and 2012, and if you add in 2009 you’d have over 8 million foreclosures while HAMP was active; other analysts put the number as high as 11 million. So its goal of 3-4 million modifications was under half of total foreclosure filings. And in reality, it didn’t cover more than 6%.


Fifth, as John Taylor of the National Community Reinvestment Coalition told CNBC yesterday, this unending stream of foreclosures serves as a lead weight on the economy. If you are going to cut back on any expenditure, the one that would curtail the supply on the market, stabilize neighborhoods, provide a floor for housing prices and start to allow homeowners to build equity again would not be the one.




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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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Carnahan Camp To Fox <b>News</b>: Why Single Us Out? | TPMMuckraker

Lawyers for former Senate Candidate Robin Carnahan are arguing that the Fox News network is singling the Missouri Democrat out in its lawsuit alleging her campaign violated the network's copyrights.

Adobe releases Lightroom 3.3, ACR 6.3 &amp; Lens Profile Downloader <b>...</b>

Adobe releases Lightroom 3.3, ACR 6.3 & Lens Profile Downloader: Adobe has released Photoshop Lightroom 3.3, Camera Raw 6.3 and DNG Converter 6.3. These are final versions of updates that were originally posted as 'release candidates' ...

This Week in Credit Card <b>News</b> - MoneyBuilder - making sense of <b>...</b>

Provided by LowCards.com More Than Eight Million People Drop Out of Credit Card Use More than eight million consumers stopped using credit cards over the past year, according to a new study by TransUnion. The use of general purpose ...



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