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	<title>Mortgage Crisis Daily &#187; Editorial</title>
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	<link>http://crisis.lenderwatch.org</link>
	<description>The Subprime Mortgage Crisis Before, During, and After</description>
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		<title>Rate Your Mortgage Revisited</title>
		<link>http://crisis.lenderwatch.org/news/721</link>
		<comments>http://crisis.lenderwatch.org/news/721#comments</comments>
		<pubDate>Sun, 14 Feb 2010 17:52:57 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[MetLife]]></category>
		<category><![CDATA[online payment]]></category>
		<category><![CDATA[online service]]></category>
		<category><![CDATA[online websites]]></category>
		<category><![CDATA[United States Postal Service]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=721</guid>
		<description><![CDATA[I described the conditions when mortgages were paid before their due date on the first of the month in the first article. This update describes the outcome when I made the February payments. These payments were made between the first and sixteenth of the month. Wells Fargo and Saxon Mortgage were paid using their online<a href="http://crisis.lenderwatch.org/news/721" class="read-more">Continue Reading</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rate Your Mortgage &#8211; a Side by Side Comparison</title>
		<link>http://crisis.lenderwatch.org/news/695</link>
		<comments>http://crisis.lenderwatch.org/news/695#comments</comments>
		<pubDate>Mon, 11 Jan 2010 20:14:21 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Analysis]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[Everhome]]></category>
		<category><![CDATA[First Horizon]]></category>
		<category><![CDATA[MetLife]]></category>
		<category><![CDATA[Saxon]]></category>
		<category><![CDATA[Wells Fargo]]></category>
		<category><![CDATA[Western Union]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=695</guid>
		<description><![CDATA[On December 30, I paid mortgages on line to try and get a little break by paying “more interest” in 2009. While doing this I made “side by side” comparisons of the mortgage companies or their servicer. The mortgage companies used in this comparison were Wells Fargo, First Horizon, Saxon, and Everhome. I used statements,<a href="http://crisis.lenderwatch.org/news/695" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/695/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Kernel of Truth at the Country Store</title>
		<link>http://crisis.lenderwatch.org/news/683</link>
		<comments>http://crisis.lenderwatch.org/news/683#comments</comments>
		<pubDate>Sat, 31 Oct 2009 20:35:33 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[Country Store]]></category>
		<category><![CDATA[executive at Citi received as their basic compensation]]></category>
		<category><![CDATA[gas mileage]]></category>
		<category><![CDATA[increased insurance]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[USD]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=683</guid>
		<description><![CDATA[We went to the Country Store in our town. The people shopping inside were either men with lists or the wives of the men sitting outside on the bench in the sun. The conversation outside went around to the recession being over and the amount of stimulus money spent. It is strange that the men<a href="http://crisis.lenderwatch.org/news/683" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/683/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Subprime Credit Card Math</title>
		<link>http://crisis.lenderwatch.org/news/681</link>
		<comments>http://crisis.lenderwatch.org/news/681#comments</comments>
		<pubDate>Sat, 31 Oct 2009 20:16:49 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[cent]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[rich executive]]></category>
		<category><![CDATA[USD]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=681</guid>
		<description><![CDATA[To those smug individuals asking if I am smarter than a subprime borrower, then I have a subprime math question for you. Your minimum credit card payment is $113. The distribution of the payment was $60.24 interest. Show that as a fraction (60.24/113) Then solve for percentage (60.24 divided by 113 =). If you only<a href="http://crisis.lenderwatch.org/news/681" class="read-more">Continue Reading</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit card credit counseling or anger management</title>
		<link>http://crisis.lenderwatch.org/news/624</link>
		<comments>http://crisis.lenderwatch.org/news/624#comments</comments>
		<pubDate>Wed, 01 Jul 2009 16:32:03 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=624</guid>
		<description><![CDATA[Chase MasterCard sent a change to terms agreement. Chase is deliberately setting their customers up to fail on their card agreements at a time when account delinquencies are at the highest level in history. The new terms increase the minimum payment 2% to 5% of the outstanding balance. I called and Chase recommended credit counseling.<a href="http://crisis.lenderwatch.org/news/624" class="read-more">Continue Reading</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Some economic news is a load of bull</title>
		<link>http://crisis.lenderwatch.org/news/618</link>
		<comments>http://crisis.lenderwatch.org/news/618#comments</comments>
		<pubDate>Sun, 28 Jun 2009 18:58:46 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[CNN]]></category>
		<category><![CDATA[news services]]></category>
		<category><![CDATA[online news availability]]></category>
		<category><![CDATA[tobacco products]]></category>
		<category><![CDATA[USD]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=618</guid>
		<description><![CDATA[The headline “Personal Income Boosted by Stimulus” on June 26 caught my eye. The first story was carried by CNN Money and is now available from 287 news services. When I first saw the headline and read the story, I thought “What a Load of Manure”. Well not exactly, but I will not use the<a href="http://crisis.lenderwatch.org/news/618" class="read-more">Continue Reading</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bob Seger explains buying on credit</title>
		<link>http://crisis.lenderwatch.org/news/615</link>
		<comments>http://crisis.lenderwatch.org/news/615#comments</comments>
		<pubDate>Mon, 22 Jun 2009 15:52:42 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[investor]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=615</guid>
		<description><![CDATA[When I returned from a trip on Friday, Bob Seger’s Against the Wind was playing. I sat listening to the lyrics after I parked the truck. It seems funny, I started the truck on Saturday and “Against the Wind” was playing again. I looked at the dash where the CD player would be and realized<a href="http://crisis.lenderwatch.org/news/615" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/615/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stars Align &#8211; Glitch in Delivery and Payment</title>
		<link>http://crisis.lenderwatch.org/news/608</link>
		<comments>http://crisis.lenderwatch.org/news/608#comments</comments>
		<pubDate>Tue, 16 Jun 2009 20:56:32 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Mr. Jones]]></category>
		<category><![CDATA[National Science Foundation]]></category>
		<category><![CDATA[online bill]]></category>
		<category><![CDATA[telephone payment]]></category>
		<category><![CDATA[USD]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=608</guid>
		<description><![CDATA[I should have checked my horoscope before paying my mortgages this month. The stars aligned and starting last night at about 8 PM a giant “Kick Me” sign went on my backside. Actually at 8:09 PM I received a call from one of my mortgage servicers to remind me that my payment was due, except<a href="http://crisis.lenderwatch.org/news/608" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/608/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Religion and prayer in a bad economy</title>
		<link>http://crisis.lenderwatch.org/news/582</link>
		<comments>http://crisis.lenderwatch.org/news/582#comments</comments>
		<pubDate>Sat, 18 Apr 2009 18:54:20 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/?p=582</guid>
		<description><![CDATA[It is not an easy question to answer. Perhaps it is not an easy question to ask. How does the Lord view our suffering in a bad economy, and do economic hardships cause the Lord to suffer? Do humans remember that we will not be given more than we can bear? We often ask if<a href="http://crisis.lenderwatch.org/news/582" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/582/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kick third-party agents out of foreclosure rescue, mortgage modification business</title>
		<link>http://crisis.lenderwatch.org/news/565</link>
		<comments>http://crisis.lenderwatch.org/news/565#comments</comments>
		<pubDate>Wed, 11 Mar 2009 18:23:01 +0000</pubDate>
		<dc:creator>Timothy Blake</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[Lenders]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[regulators]]></category>
		<category><![CDATA[speculator]]></category>

		<guid isPermaLink="false">http://mortgageblues.us/news/565</guid>
		<description><![CDATA[There is no doubt that the Spin Doctors have been successful. They spun the economy into a frenzy that could not be sustained. Others put the spin on the stock market, while speculators put a spin on everyone with high gas and oil prices. Fair and balanced news is so far from the truth it<a href="http://crisis.lenderwatch.org/news/565" class="read-more">Continue Reading</a>]]></description>
		<wfw:commentRss>http://crisis.lenderwatch.org/news/565/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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