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AG Kilmartin Reports on National Mortgage Settlement Progress
November 19, 2012 – (RealEstateRama) — Attorney General Peter F. Kilmartin today reported on the progress made by the five mortgage service providers (Ally/GMAC, Bank of America, Citi, JPMorganChase, and Wells Fargo) at the center of the National Mortgage Settlement. According to the information provided by the five mortgage service providers, 1,019 Rhode Island homeowners have received financial relief, valued at $73,165,044. In addition, another 896 Rhode Island homeowners are in the process of receiving financial relief, including first lien modifications and refinancing.
The information was provided as part of the formal report issued by the National Mortgage Settlement Monitor Joseph P. Smith, which discloses the five settling mortgage service providers have distributed more than $22 billion in relief to more than 300,000 homeowners nationally, with an additional $4.2 billion still in active trial modifications.
According to the report, Rhode Island homeowners saw the following in relief:
o 91 homeowners received first lien modifications, with a total relief value of $10,818,138, or an average of $118,881.
o 163 homeowners received forbearance forgiveness, with a total benefit of $10,103,990 with the average homeowners seeing $61,988 in relief.
o 13 homeowners have received second lien modification forgiveness, with a total value of $336,534 and an average savings of $25,887 per homeowner.
o 215 homeowners completed second lien extinguishments, with a total savings of $9,871,813, for an average savings per homeowner of $45,915.
o 291 homeowners have completed shorts sales, with deficiencies forgiven, for $31,319,674 in relief, or$107,628 in relief per homeowner.
o 65 homeowners have received enhanced borrower transitional funds by the mortgage service providers, valued at $736,829, or $11,336 per homeowner.
o Eight (8) homeowners have received payments from servicers to unrelated second lien holder for release of second liens, valued at $38,419, or $4,802 per homeowner. o 86 homeowners have received deficiency waivers from the mortgage service providers, valued at $5,661,927, or $65,836 per homeowner.
o Two (2) REO properties owned by the mortgage service providers were donated, valued at $255,585. o 85 homeowners have completed refinances, with the average interest rate reduction of 2.41 percent, valued at $4,022, 135, or $47,319 per homeowner.
The $25 billion national settlement, which took effect in April, required the five mortgage service providers to provide relief to help struggling homeowners avoid foreclosure, brought badly needed reform to the mortgage servicing industry, ensured that foreclosures are lawfully conducted and penalized the banks for past misconduct.
Rhode Island homeowners' estimated share of the settlement is: • $152 .6 million in benefits from loan term modifications, including principal reduction and other relief.
• $3.1 million in cash payments to borrowers who lost their home to foreclosure and suffered servicing abuse from January 1, 2008 through December 31, 2011.
o Eligible borrowers must complete a claim form and return them before the January 18, 2013 deadline. For more information, or to download a form, please visit www.nationalmortgagesettlement.com. Checks are expected to be mailed in mid-2013.
• $7.3 million in refinance loans on homeowners under water.
• $8.9 million direct payment to the Department of Attorney General to help fund consumer protection and homeowner foreclosure services.
o In September, Attorney General Kilmartin announced a two-year $1.57 million grant to Rhode Island Legal Services for the Foreclosure Prevention Project to assist low and middle income families facing foreclosure.
o The Office of Attorney General continues to accept grant proposals from community and housing agencies for additional homeowner assistance and foreclosure prevention programs.
"Every day, my office advocates on behalf of homeowners, working with banks and mortgage service providers to find solutions to keep Rhode Island families in their homes. I will continue to hold mortgage service providers to the high standards that are set in the settlement agreement, and I will keep fighting to protect Rhode Island homeowners," said Attorney General Kilmartin.
The Progress Report from the Monitor of the National Mortgage Settlement can be found at www.mortgageoversight.com.
Please Note: The information contained in the report is self-reported and unaudited. Further, it represents gross dollar amounts and cannot be used to evaluate progress toward the banks' $20 billion obligation.


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Trying to single out the best component of Northwest Florida State College's production of "Les Misérables" is like trying to pinpoint the brightest light of a star.
Trying to single out the best component of Northwest Florida State College's production of "Les Misérables" is like trying to pinpoint the brightest light of a star.
The voices, the costumes, the sets, the lighting, the music – are all brilliant, all local and all real. No CGI here, folks.
They're brought together by the Humanities, Fine and Performing Arts Division under the direction of Dr. Clifford D. Herron. "Les Misérables" is his 23rd consecutive summer musical as director, and it is also his last. Dr. Herron will retire in August, and I know the arts community already misses him.
I spoke with Dr. Herron briefly before and again after the dress rehearsal Sunday afternoon.
"You should sit near us," he said, gesturing to the technical board set up in orchestra center about row K. "Because this is where we tech the show, it should give you the best of everything."
"It's called 'king's row.' Not too close, not too far back," added technical director/light designer Bob Whittaker.
I'm no dummy. I sat at the end of that row, and they were right. From the overture and opening curtain to the epilogue and final bows, it was perfection.
"Les Misérables" is a sung-through musical, which means nearly every word is sung. There is no spoken dialogue, per se. An outstanding achievement of this production is that the singers' words are easily understood, particularly the soloists.
Ensemble numbers are trickier, but accompanying action makes the meaning clear.
Michael Dye carries the role of paroled convict Jean Valjean with vocal chops to spare, which you would expect from the choral director of Niceville High School for the last 23 years. What you might not expect is the intensity, depth and range of his talent.
When he sings "Bring Him Home" in Act 2, have a tissue handy.
Speaking of perfection, Clint Mahle locks up the role of relentless police officer Javert with military precision and an amazing voice. He especially shines in two outstanding solos, "Stars" in Act 1 and "Soliloquy" in Act 2. Mahle also designed the fantastic set.
Annie Melia plays the ill-fated Fantine with an inner strength that comes through her angelic voice. Her rendering of "I Dreamed a Dream" is beautiful, yes, but I enjoyed even more her lovely duet with Dye as Valjean. Her death scene is well played and affecting.
Mallory Olds as Eponine, Hannah Moore as Cosette, Sivu Schlegel as Marius and Tim Norton as Enjolras impress with both their acting and their singing. Olds, Moore and Schlegel share a song titled "A Heart Full of Love" that is likely to stay with you. Schlegel's rich, pure vocals are amazing.
Norton leads "Do You Hear the People Sing?" a rousing ensemble number, and "One Day More," which features cool choreography that simulates a marching throng on stage. Joseph A. Taylor and Kelly Murdock choreographed the show.
The Thenardiers receive a devious yet comical turn from popular stage veterans Denis Milonas and Allison Everitt. Everitt also is vocal director along with Jeremy Ribando.
Sofie Hagle as little Cosette and Nathan Burdge as street urchin Gavroche each get chances to shine: Hagle with the song "Castle on a Cloud" and Burdge in a special scene during Act 2.
Several ensemble singers have moments in the spotlight, and they are excellent. As a gentleman sitting in front of me said at intermission, "There isn't a weak voice among them. They're all great!"
I completely agree as did the audience who leapt to their feet before the final notes.
A live orchestra accompanies the actors and plays throughout the show, which runs about three hours with a 15-minute intermission. Music directors are Guy Heath and Carolyn Schlatter.
"Les Misérables" opened Wednesday night and continues six more nights, July 18-20 and 25-27, at the Mattie Kelly Arts Center. See today's cover story for ticket details.
Thanks to the inimitable Dr. Herron and the wonderful cast and crew of "Les Misérables," the rest of us do, indeed, hear the people sing.

subset: commoncrawl


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America's decision to pursue a trans-Atlantic free-trade deal won't delay the ambitious Pacific negotiations involving Australia, a senior US trade official has assured.
US President Barack Obama announced during his State of the Union address earlier this month that his administration had decided to launch comprehensive free-trade negotiations with the European Union.
But State Department Assistant Secretary Jose Fernandez says those negotiations will not distract America from the Trans-Pacific Partnership (TPP), an ambitious set of talks currently involving 11 countries.
"That's not going to be a problem," Mr Fernandez told reporters from Singapore on Thursday during a visit to the region.
"We can walk and chew gum at the same time."
Mr Fernandez says the US still hopes to finalise the the TPP this year, with the 16th round of negotiations about to begin in Singapore.
The Australian government lists the TPP as one of its top trade priorities, but Labor's staunch opposition to what are known as investor-state dispute settlement clauses has proven contentious.
Such clauses typically give businesses from one country the power to take international legal action against the government of another over agreement breaches.
Mr Fernandez urged Australia to keep its eye on the ultimate goal.
"We think that Australia has much to gain from a TPP," he said.
"Let's just focus on the long term, which is creating economic conditions for trade and investment to help all of us."
Mr Fernandez's visit came as global banking group HSBC released a new trade forecast report that predicts Asia's urbanisation will prompt a shift in the composition of Australia's exports and trade partners in the region.
HSBC says that by 2030, Australia's exports will shift from industrial commodities, like iron ore, to commodities needed to support Asia's more sophisticated consumer needs like base metals and mineral fuels.
The TPP began as an obscure 2006 deal between Brunei, Chile, New Zealand and Singapore.
Australia, the US, Canada, Malaysia, Mexico, Peru and Vietnam are seeking to be part of an expanded deal.
There are hopes it will serve as a building block for the ultimate goal of a free-trade deal covering all 21 APEC countries.


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After hooking up with Chrysler, Fiat is now returning with a modern interpretation of a car that first hit the road in 1957. This time around, it is much larger — the wheelbase rises by a whopping 460 millimetres to 2,300 mm. That, however, does not blunt its overt charm — it is as huggable as the car with which it shares its name.
When the original 500 arrived, it was powered by a rear-mounted 500-cubic-centimetre air-cooled two-cylinder engine that made all of 15 or so horsepower. Today, the 500 employs Fiat's 1.4-litre MultiAir four-cylinder motor. It manages to pump out 101 horsepower and 97 pound-feet of torque. It is a smooth operator for the most part, as it displays a great deal of civility in the lower part of the rev range, and it behaves itself well until it is forced to reach for redline — then it gets noisy.
The 500 is offered with either a five-speed manual gearbox or optional six-speed automatic transmission with a manual mode. While the manual has a short throw, defined gate and a relaxed clutch, it is the automatic that's destined to be the more popular choice.
Inside, the cabin's execution is as cute as the exterior's style. Not all, however, is perfect. One tends to sit on the driver's seat rather than in it. This not only puts a bit of a crimp in the available headroom, it also makes a traffic light difficult to see. The header between the windshield and sunroof forces a taller rider to peer under it or over it. Either way it's a pain.
The rear seats mirror those found in many two-door cars — it takes some agility to access and, once ensconced, the legroom starts at limited and shrinks quickly. Ditto the rear headroom (it is tight) and the cargo capacity — just 9.5 cubic feet with the seats upright.
The Fiat 500 will likely be purchased as more of a fashion accessory for those seeking attention than it will as a serious mode of transportation. Around town, in an unhurried environment, the Fiat 500 is just fine, and people definitely notice you puttering by. Speed things up and it does not fare nearly as well.


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2014 CMS Summer Meeting
University of Manitoba, June 6 - 9, 2014
This talk will describe recent work developing aspects of this picture in the setting of a free-by-cyclic group $G$. Specifically, I will introduce a polynomial invariant that determines a convex polygonal cone $\mathcal{C}$ in the first cohomology of $G$ whose integral points all correspond to algebraically interesting splittings of $G$. The polynomial invariant additionally provides a wealth of dynamical information about these splittings. This is joint work with Ilya Kapovich and Christopher J. Leininger.
In this talk, I will discuss work to extend the result of Boyer, Gordon and Watson to non-alternating quasi-alternating links. In particular, we examine the (non) left-orderabilty of the fundamental group of the double branched cover of every knots of 10 and less crossings. We have also found new infinite families of non-Montesinos, non-alternating, quasi-alternating knots for which the fundamental group of the double branched cover is not left-orderable.


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Developed by Black Rock Studio, Disney Interactive Studios' award-winning development studio in Brighton, England, Pure takes off-road racing to a new level. Featuring vertigo-inducing massive aerial jumps and spectacular airborne tricks in photo-realistic real-world locations all over the globe, Pure delivers heart-pounding experiences unique to the genre.
2008 Sports Single-player Multiplayer
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- 3 bedroom, Terraced House
- Solsbury Way, BATH, Somerset, BA1 6HJ
Friendly, professional and award winning. Our services help thousands of people move every year.
A business with a unique heritage, we combine the resources of a large organisation with the personal touch of an independent business so that you can enjoy the best possible experience.
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Are you thinking of buying or renting a property in the Camden Road area of Bath? Camden Road sits on the North East side of Bath and is one of the city's most desirable areas. Close to the city centre, it boasts some of the most spectacular views the city has to offer.
Camden Road is less than 1 mile from Bath's city centre. So while the area feels like a leafy retreat on the edge of the countryside, you still have access to the fantastic selection of bars, restaurants, attractions and transport links that central Bath has to offer.
Sound good? Read on to find out if Camden Road is the perfect area for you.
Camden Road is well served by local transport links. It is possible to board the number six or seven bus to Bath's central bus station via Camden Road.
Bath bus station provides accessible travel across the city, as well as to Bristol and many more destinations further afield.
Bath Spa railway station, which is located next to the bus station, increases your travel options. For example, if you have to commute, Bath Spa provides a train to London Paddington that reaches its destination in around an hour and a half.
There is also fantastic access out to the M4 either via Larkhall or Landsdown.
The award winning King William pub on Thomas Street offers fantastic local British produce and a great wine selection. The Rising Sun is re-opening in December 2014 after a refurbishment and will offer a selection of real ales and traditional, home cooked food.
In nearby Larkhall Village – just 0.4 miles from Camden Road there is a great selection of traditional pubs, a deli and cafes, including The Larkhall Inn and The Rose & Crown, which boasts a popular new chef. Emma's Café, Ma Cuisine and Goodies Deli, which is celebrating 25 years of providing great food, are also excellent places to grab a quick bite of lunch.
In the city centre, the abundance of choices available is enough to whet any appetite. From top restaurants and cool cafes to stylish bars and the top high-street chains, there's something to cater for every taste and budget.
There are plenty of places to keep you fit and active in the nearby city centre.
Aquaterra leisure centre – which is 0.8 miles from Camden Road – has a gym, exercise classes and swimming facilities. Similarly, Fitness Fist – which is also 0.8 miles from Camden Road – offers the same facilities but in a fresher, more modern setting.
Bath is also home to several golf clubs including Bath Golf Club and Lansdown Golf Club – which are 1.8 miles and 2.6 miles from Camden Road respectively. If you're a keen tennis player, The Lansdown Club is close by, and the University of Bath Tennis Centre – which is two miles from Camden Road – provides members with access to first-class facilities.
Larkhall Village also has a great local football team – Larkhall Athletic Football Club and Bath Judo Centre.
Bath is home to many beautiful parks and gardens. Alice Park is 0.4 miles from the end of Camden Road which is furthest from the city centre. The park offers a fun and varied environment, complete with a playground for children, rose garden, café and green expanses that are ideal for settling down to a picnic in.
Alternatively, Royal Victoria Park is 0.9 miles from the end of Camden Road which is nearest the city centre. The park, which is overlooked by the Royal Crescent, is Bath's largest green area and includes a children's play park, boating pond and a botanical garden amongst its many attractions.
Being so close to the countryside, you can also enjoy some beautiful walks, including up Soslbury Hill (well known for inspiring local resident Peter Gabriel's famous song of the same name) Freezing Hill and around the Charlcombe Valley.
Bath is a historically rich and culturally diverse city, and as such it boasts a variety of museums that are well worth a visit.
The Roman Baths and the Jane Austen Centre – which are 0.7 miles and 0.5 miles from Camden Road respectively – are an enjoyable and entertaining experience. If you're looking to unwind, the Thermae Bath Spa – which is 0.8 miles from Camden Road – offers a combination of world-class treatments, bathing in mineral-rich waters and spectacular views over the city.
Camden Road has several shops, including a Co-Op Pharmacy, a hairdresser, and the newsagent, Best One. Nearby Larkhall Village offers a delightful array of mostly owner-run small shops, including Lambridge Hardware, Crockadoodledo, a creative pottery studio, and the award winning Larkhall butchers.
Bath's SouthGate Shopping Centre – which is just 1.1 miles from Camden Road in the city centre – provides an abundance of retail options. Here you'll find stores including H&M, River Island, Topshop, Apple Store and Debenhams.
There's also Bath's High Street, which extends from SouthGate Shopping Centre, and provides a wealth of shopping options – from high street stores to an exciting selection of independent boutiques.
The closest large supermarket to Camden Road is Morrisons, which is located on the London Road, roughly 0.6 miles away. You'll also find most of the other major supermarkets in and around Bath's city centre, including Waitrose, Sainsbury's and multiple local-type stores such as Co-Op and Tesco Express.
Rondo Theatre is a former church hall in Larkhall, just 0.4 miles from Camden Road. The theatre hosts a wide range of plays, musicals and comedy acts, in a venue that is intimate yet charming. In addition, the Theatre Royal located in the city centre (0.6 miles from Camden Road) hosts plays, musicals and comedy acts featuring some of the UK's leading actors and comedians.
If you're more into sport than the arts, you'll be pleased to hear that the city of Bath is home to one of the UK's leading Rugby Union sides, Bath Rugby. The team's home stadium resides on the banks of the River Avon, 0.8 miles from Camden Road.
The Larkhall festival is a community run, annual event and includes exciting arts and craft exhibitions, music events and a whole schedule of events and activities for the entire family,
As previously mentioned, Bath boasts a huge range of gorgeous parks and gardens, as well as museums that are ideally suited to family days out. However, Victoria Falls Adventure Golf and Bath City Farm – which are 0.6 miles and 2.2 miles from Camden Road respectively – are also well worth a visit.
Fairfield Park Medical Centre is open from 7.45-6.00pm, Monday to Friday and caters for appointments and emergency drop-ins, providing you're a registered patient.
The New Oriel Hall, which is located in Larkhall, roughly 0.4 miles from Camden Road, is a community hall and library run by volunteers and provides regular classes, workshops and events. For more books and services, including free Wi-Fi, you can visit the Bath Central Library, above the Waitrose in the city centre.
The roads in and around Camden Road can be narrow, a problem made worse by the number of parked cars. As such, the morning and evening rush hours can become congested.
Parking is restricted to off-street and resident spaces. Many of the car parking spaces in and around Camden Road require a permit, which you can purchase from the local council. Fairfield Park and Larkhall which are areas slightly further east of the Camden Road do not require permits.
There are a variety of schools in and around Bath. The Primary School closest to Camden Road is St Saviour's CE Infant School. The School educates over 200 pupils and received a 'Good' rating in its latest OFSTED report. St. Stephen's Primary school is also nearby and also received a 'Good' OFSTED report most recently. The secondary school closest to Camden Road is St Mark's CofE School, which educates approximately 250 pupils.
If you would like to find out more about buying or renting property in the Camden Road area, please call or visit the local Andrews Branch.
Bath Spa
Oldfield Park
Prior Park Landscape Garden
Museum Of Bath At Work The
Building Of Bath Museum The
Museum Of Costume
Museum Of East Asian Art The
Royal High School Lansdown Road, Bath BA1 5SZ
St Mark's CofE School Baytree Road, Bath BA1 6ND
Hayesfield Girls School Upper Oldfield Park, Bath BA2 3LA
Beechen Cliff School Alexandra Park, Bath BA2 4RE
Oldfield School Kelston Road, Bath BA1 9AB
Kingswood Prep School Kingswood Nursery College Road, Bath BA1 5SD
Kingswood Day Preparatory School College Road, Bath BA1 5SD
Kingswood Preparatory School College Road, Bath BA1 5SD
The Royal High Junior School Hope House, Bath BA1 5ES
St Saviour's CofE Infant School Spring Lane, Bath BA1 6NY
Springfield Playgroup 16 Springfield Place, Bath BA1 5RA
Jabberwocky Montessori Nursery 7 Lansdown Crescent, Bath BA1 5EX
St Swithins Nursery St Swithin's CofE Infants Sch, Bath BA1 6DX
Busy Bees Pre School (Bath) St Mark's School, Bath BA1 6ND
The Royal High School Lansdown Nursery Hope House, Bath BA1 5ES
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I promise, I have at least five books on tap to review for you all, plus a couple of graphic novels posts. Really.
In the meantime, the Wheel of Time fans out there should check out this page about Min's Viewings over at The Thirteenth Depository.
What struck me early on is the evidence from the viewings that unless Mat, Perrin, and Rand are all together at the end, there is no chance of defeating the Dark One. I mean, it's kind of obvious and we take it for granted, but Jordan did a great job of setting this up in terms that seem rather stark and blunt when pointed out.
The page is updated with detail from The Gathering Storm.
Wednesday, November 25, 2009
Wednesday, November 25, 2009
Posted by Joe on Wednesday, November 25, 2009
Labels: The Wheel of Time
1 comments:
- C.B. James said...
I've seen so much about these books lately....Maybe I should get around to reading the first one...I'm a little shy about starting such a big project, I must admit.
- November 25, 2009 at 9:32 AM
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