But I agree with your earlier post, that it's a little sad that after 120 days there doesn't really seem to be much to fight for.

It is sad that kids get caught in the middle of this, but somewhere along the way, we as Americans have been taught to shun responsibility.

Sadly many of the banks are the corrupt ones.We can lay blame all over the place.In every facet of society in every profession there will be individuals who break the law.REO brokers are not "rolling in it" like many think.The banks squueze them for 1 percent rebate,then they get hit with computer platform fees,talking to untrained workers in other countries,banks not paying back re-imbursements etc.These large REO companies have to do a ton of volume just to break even.Brokers in the know aren't even listing REO anymore in residential and are on the buying side.No mountains of requirements and low fees.Instead the buyers broker gets a higher co-op usually than the REO broker.When the down turn first started YES REO brokers made a killing.Then all the agents came in and banks started cutting fees and upping requirements.I find it much easier now to work with the pre-foreclosure departments than the REO ones.

That is sadly the extent of my creativity so I thought I'd post it here and let you guys go at it.

female- 43 million (down 1.9 Million since 2007In poverty15% overall22% of kids under 18 (this is sad)Uninsured kids in 2011 (some interesting info in this chart)By Race-white-6.8%black-10.2%hispanic-15.1%By birthnative born-8.8%naturalized-12,5%non citizen-29.2% ( see any problem here) The interesting thing here was the future HUGE costs the U.S. is going to have with the hispanic/non citizen kids.

To me this makes me very happy and sad, happy because in Newark where i live people tend to talk bad about it and i'm glad because this is more opportunity for me!

Short cuts and magical thinking = sadness.

Sadly, we have not made any deals...YET!

I don’t believe them to be valid, but this is the reality sadly and it’s not likely to ever be able to build a new home here.

When it gets to that point, I'm always prepared to fight, but it also gives me a sense of sadness since no one is really going to win.