Thursday, April 24, 2008

Arizona Cardinals Shame

I am not a fan of the Arizona Cardinals and I live in Arizona. They have been a disaster ever since they landed here in the Valley. They are losers. They are a commitment to losing, always have been always will be as long as the Bidwells have control. They don't do what it takes to win. Matt Leinart on the web drinking beer with his beaches was nothing. That was actually a good thing. That was the most positive thing I've seen in a while.

If you are a player you should be ashamed to been seen in public. I see you guys walking around Phoenix acting tough and cool. I just wanted to let you know that we are all laughing at you.

Tuesday, April 22, 2008

What the hell is wrong with Lending Tree

I guess if you give your information to Lending Tree you lose. There is a new report that the database was hacked. It seemed other mortgage lenders wanted access to their database and people from the inside let them in.

If you had done a loan with Lending Tree in the last couple of years you may want to have a credit report done to see if there has been any fraud on your credit profile.

Thursday, April 17, 2008

Billing Solutions Inc update

I had filed a complaint with the Attorney General about Billing Solutions Inc. The had bill me over $400 for a fax that I was trying to send Wells Fargo. The original bill that I got from Billing Solutions Inc. made no sense. I had to have an attorney get involved to help me get it straitened out. In their response to the Attorney General for Arizona they stated that they pride themselves on superior customer service. I didn't have that experience. The were very confrontational with me when I originally questioned them on the charges. They weren't willing to do anything until I got an attorney involved. My advice if you are a loan officer or loan processor is to mail your vod's into Wells Fargo and not use the Wells Fargo 900 Vod number.

Original Post

Wednesday, April 16, 2008

Is the City of Scottsdale retarded?

I think so. I just found out that the stretch of road between Frank Lloyd Wright and Thompson Peak is going to be torn up and made into one lane in each direction. It is currently four lanes now. There is nothing wrong with it. I'm sure they will spend millions of dollars to do this. What a waste. What they really need to focus on is fixing Cactus from 96th street to the 101 freeway.

Bank of America no Cost Mortgage?

I was in my Bank of America branch yesterday setting up a new checking account. I noticed a sign in the lobby touting a no cost mortgage. I inquired with the personal banker about the details of the mortgage. He told me that they just raise the rate to cover the closing costs. I said to him that it doesn't sound like a no cost mortgage because there is a penalty in rate for the no closing cost option. I also said that if it were a true no cost mortgage then it should be the same rate as the full fee mortgage. He did not have any comment on that. My guess would be that there is no such thing as a no cost mortgage. Thanks BofA for confusing me.

Tuesday, April 15, 2008

Why did my home equity line get reduced?

Consumer Dave can help you answer that question. Millions of Americans are receiving letters from their second mortgage lenders alerting them that their home equity lines or helocs have been cut or reduced. Can the banks cut your home equity line? Absolutely, it is written into their notes. I know it sucks but they can do it. They just are hedging against future loses.

Additional Mortgage Articles

Tuesday, April 8, 2008

John McCain should get equal time for his wife who allegedly forged prescriptions

I think Obama and Clinton have had enough crap thrown at them. We should bring out Cindy McCains drug silliness just to be fair. In 1994, Cindy McCain admitted that she had solicited prescriptions for painkillers from doctors who worked for an international charity that she founded, the American Voluntary Medical Team. She then filled the prescriptions in the names of her staff. I guess she thought that getting drugs should be voluntary. Anyone could make that mistake. She walked away from that one.

The rest of the article click for full story.

Countrywide advertising can be deceptive?

I just saw an advertising on the MSN homepage for Countrywide that the key interest rates have dropped and it is a good time to refinance your home. This is the biggest blatent lie by a bank that I have ever seen. First of all there is no such thing as a no cost mortgage and secondly what the Federal Reserve is doing with interest rates has nothing to do with mortgage rates. If this were the case, the 30 year rate would be below 3%. Interest rates have everything to do with how the stock market is doing and not what the feds are doing. Shame on Countrywide for being bozos.

Shame on you Countrywide for slick advertising. Consumer Dave to the rescue.

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Cox Communications Sucks

I recently got dvr and digital cable from cox communications. I installed it myself I had a problem with the dvr portion as to it would not record. I called for assistance and got someone that could not speak English. She could not figure it out and called a technician in for further assistance. She didn't tell me that there was a charge for this. If she did, I couldn't understand what she was saying. My free installation now became $34. Make sure you find out if there is a fee to have someone come to your home before they come out.

Bottom line as a consumer I don't like surprises. Big corporations are like dumb animals and need to be treated as such. They don't care about you only their profits. Ask a lot of questions before they want to provide additional services.

Friday, April 4, 2008

Is Joe Arpaio a racist?

Is Joe Arpaio a racist? I don't know, but I would feel better if he would focus on keeping Canadians out of this country instead of the Mexicans. Look at all of the problems they have caused in the NBA and especially Major League Baseball. The Expos just about killed the league. I just found out that Joe Arpaio was the child of immigrants from Naples. Very Interesting. I have a suspicion that keeping the Mexicans out is not about race but about money. I would like to know if Joe has any interests in Mexican restaurants and is just trying to keep out the competition. I think that there is still room for Canadian restaurants.

The National Bake Sale Approaches

Start getting ready now for the national bake sale on Cinco de Mayo. Don't wait for the government to bail you out of your housing troubles, do it yourself. You will need to sell 1500 cup cakes for every $1000 in value you home has lost. For some of you that's a lot of cup cakes.

Rally the neighbors and lets rebuild together. Tell a friend.

Wednesday, April 2, 2008

Matt Leinart buzz over racey Internet Pics

Leave the guy alone, who cares. He is a young guy that does what young guys do. They hang out with chicks and drink beer. I don't think this should be s surprise to anyone. I did the same thing when I was young, big deal.

Tuesday, April 1, 2008

Bush Bozo and Hud Chief Alphonso Jackson Resigns

Another one bites the dust in the Bush team of Geniuses. This guy was allegedly lining his friends up with cushy jobs. Must be nice.