Home Modification Quotes

Without the Gospel, I am only projecting behavioral modification. Changes of the heart must trump mere change of behavior. Therefore, the goodness of God through the gospel must trump all other philosophies in the home.

It seems right now that all I’ve ever done in my life is making my way here to you.’ I could see that Rosie could not place the line from The Bridges of Madison County that had produced such a powerful emotional reaction on the plane. She looked confused. ‘Don, what are you…what have you done to yourself?’ ‘I’ve made some changes.’ ‘Big changes.’ ‘Whatever behavioural modifications you require from me are a trivial price to pay for having you as my partner.’ Rosie made a downwards movement with her hand, which I could not interpret. Then she looked around the room and I followed her eyes. Everyone was watching. Nick had stopped partway to our table. I realised that in my intensity I had raised my voice. I didn’t care. ‘You are the world’s most perfect woman. All other women are irrelevant. Permanently. No Botox or implants will be required. ‘I need a minute to think,’ she said. I automatically started the timer on my watch. Suddenly Rosie started laughing. I looked at her, understandably puzzled at this outburst in the middle of a critical life decision. ‘The watch,’ she said. ‘I say “I need a minute” and you start timing. Don is not dead. 'Don, you don’t feel love, do you?’ said Rosie. ‘You can’t really love me.’ ‘Gene diagnosed love.’ I knew now that he had been wrong. I had watched thirteen romantic movies and felt nothing. That was not strictly true. I had felt suspense, curiosity and amusement. But I had not for one moment felt engaged in the love between the protagonists. I had cried no tears for Meg Ryan or Meryl Streep or Deborah Kerr or Vivien Leigh or Julia Roberts. I could not lie about so important a matter. ‘According to your definition, no.’ Rosie looked extremely unhappy. The evening had turned into a disaster. 'I thought my behaviour would make you happy, and instead it’s made you sad.’ ‘I’m upset because you can’t love me. Okay?’ This was worse! She wanted me to love her. And I was incapable. Gene and Claudia offered me a lift home, but I did not want to continue the conversation. I started walking, then accelerated to a jog. It made sense to get home before it rained. It also made sense to exercise hard and put the restaurant behind me as quickly as possible. The new shoes were workable, but the coat and tie were uncomfortable even on a cold night. I pulled off the jacket, the item that had made me temporarily acceptable in a world to which I did not belong, and threw it in a rubbish bin. The tie followed. On an impulse I retrieved the Daphne from the jacket and carried it in my hand for the remainder of the journey. There was rain in the air and my face was wet as I reached the safety of my apartment.

I advise two modifications for seniors. First, wear sunglasses during morning exercise outdoors. This will reduce the influence of morning light being sent to your suprachiasmatic clock that would otherwise keep you on an early-to-rise schedule. Second, go back outside in the late afternoon for sunlight exposure, but this time do not wear sunglasses. Make sure to wear sun protection of some sort, such as a hat, but leave the sunglasses at home. Plentiful later-afternoon daylight will help delay the evening release of melatonin, helping push the timing of sleep to a later hour.

Modified interaction does not always involve linguistic simplification. It may also include elaboration, slower speech rate, gesture, or the provision of additional contextual cues. Some examples of conversational modifications are: 1   Comprehension checks—efforts by the native speaker to ensure that the learner has understood (for example, ‘The bus leaves at 6:30. Do you understand?’). 2   Clarification requests—efforts by the learner to get the native speaker to clarify something that has not been understood (for example, ‘Could you repeat please?’). These requests from the learner lead to further modifications by the native speaker. 3   Self-repetition or paraphrase—the more proficient speaker repeats his or her sentence either partially or in its entirety (for example, ‘She got lost on her way home from school. She was walking home from school. She got lost.’).

God is reaching out to us, wanting us to see we need him. But since he is God, we think he wants some song and dance from us—in other words, behavior modification. He actually just wants us. He longs to set us free. And yes, to accomplish all that, he wants us entirely. God is home to us. He is where we were made to be. He is what we were made for. We just forget all that while we are trying to be good and independent.

other times these payments were not applied in a timely manner so as to render the payment ‘late.’ By not applying the payment in a timely manner, BoA could disqualify otherwise qualified homeowners from securing a permanent HAMP modification. Mackler at times

The most important modification that must be made to a standard analysis of incentives is salience. Do the choosers actually notice the incentives they face? In free markets, the answer is usually yes, but in important cases the answer is no. Consider the example of members of an urban family deciding whether to buy a car. Suppose their choices are to take taxis and public transportation or to spend ten thousand dollars to buy a used car, which they can park on the street in front of their home. The only salient costs of owning this car will be the weekly stops at the gas station, occasional repair bills, and a yearly insurance bill. The opportunity cost of the ten thousand dollars is likely to be neglected. (In other words, once they purchase the car, they tend to forget about the ten thousand dollars and stop treating it as money that could have been spent on something else.) In contrast, every time the family uses a taxi the cost will be in their face, with the meter clicking every few blocks. So a behavioral analysis of the incentives of car ownership will predict that people will underweight the opportunity costs of car ownership, and possibly other less salient aspects such as depreciation, and may overweight the very salient costs of using a taxi.* An analysis of choice architecture systems must make similar adjustments.

March 11: Marilyn arrives at Greenson’s home and tells him she is going to Palm Springs. After memorizing Nunnally Johnson’s script for Something’s Got to Give, Marilyn learns it has been rewritten by George Cukor and Walter Bernstein. Marilyn is sent forty pages of modifications, but she refuses to play the part as rewritten.

If you fell behind in your mortgage payments because you became unemployed for a short time, you may be able to get help from the federal Home Affordable Unemployment Program. (This program is discussed later in this chapter.) If your financial difficulty is longer term, perhaps because your mortgage payments increased dramatically and you can no longer afford the monthly payments, a short-term fix is not for you. Instead, you may need to consider refinancing or getting a loan modification. (These options are discussed later in this chapter.)

Take a look at the category piles and consider the quantities as you begin to downsize. For each item, ask whether it’s been used/worn in the past year. Knowing that we wear only about 20 percent of our clothes 80 percent of the time will aid the letting go process. Also note that over-stuffed drawers are the likely culprit when clean laundry doesn’t get put away. It simply takes too much effort to jam everything in, so make a goal to only fill drawers about two-thirds full. If you find anything that would be better off in another area of the home, place it into the relocation box for redistribution at the end of the project. Also keep on hand the fix-it box (for items that need repairing) and the donation box. 4. DECLARE A HOME Now that you can see what you actually have, start measuring. How much of the clothing can realistically fit in the closet? If it only has one rod across the top, you may want to consider redesigning the closet for maximum space efficiency. Or, simple, inexpensive modifications can be made by adding a double hang closet rod to double the hanging space. You may also be able to adjust shelves and rods to better accommodate space needs. Now, decide where each category of clothing will live. Remember, the closet works in tandem with any dressers, armoires, and underbed storage in the bedroom. Assign each item a home. Designate a shelf, section of rod, drawer, or container for each category

a teacher or guide, let people know that you will offer modifications or options and encourage individuals to listen to their bodies and hearts more than they are listening to your cues. This gives people the opportunity to practice discernment and to clarify what will best serve their bodies and hearts in the moment. This service to the body and heart isn’t just about the individual, it is tied to coming back home to the self to then be able to expand out in service of the larger collective. When people choose to modify or adjust I reinforce that what they are doing is tuning into to their needs and then responding by honoring what they hear as they tune in. In this way, people are taking care of themselves not from a self-centered space but from a space of deep listening.

the Home Affordable Modification Program (HAMP), designed to reduce the monthly mortgage payments of eligible homeowners to no more than 31 percent of their income, and the Home Affordable Refinance Program (HARP), which would help borrowers refinance their mortgage at lower rates even if their homes were underwater.

Foreclosure Fraud: Understanding the Hidden Dangers in the Foreclosure Process Foreclosure fraud is a serious issue affecting homeowners across the country. It occurs when unethical lenders, servicers, or third-party companies engage in deceptive or illegal practices that result in wrongful foreclosures or unfair financial loss to borrowers. Understanding foreclosure fraud is essential for homeowners facing financial difficulties, as being aware of the risks can help them avoid becoming victims of these schemes. Common Types of Foreclosure Fraud Robo-Signing: One of the most notorious forms of foreclosure fraud involves “robo-signing,” where lenders or servicers mass-produce foreclosure documents without properly reviewing them. This can lead to errors, wrongful foreclosures, or the enforcement of invalid claims. Title Fraud: In title fraud, forged or fraudulent documents are used to transfer ownership of a property without the homeowner’s knowledge or consent. Victims often discover the fraud only after a foreclosure notice is issued. Foreclosure Rescue Scams: These scams target desperate homeowners by promising to stop foreclosure in exchange for an upfront fee. After collecting the money, the scammer disappears, leaving the homeowner worse off and still facing foreclosure. Dual Tracking: Dual tracking occurs when a mortgage servicer continues to pursue foreclosure proceedings even while negotiating a loan modification or other foreclosure alternatives with the homeowner. This practice, though illegal under current laws, can still occur, leading to wrongful foreclosures. How to Protect Yourself from Foreclosure Fraud Verify Documentation: Always carefully review any foreclosure-related notices and ensure that they are properly signed and authorized. Seek Legal Help: If you suspect fraudulent activity, consult a foreclosure defense attorney who can help you identify irregularities in the process. Know Your Rights: Familiarize yourself with local and federal laws, such as the Homeowner Bill of Rights, which offers protection against certain foreclosure practices. Report Suspicious Activity: If you encounter fraudulent behavior, report it to state regulators or consumer protection agencies. Final Thoughts Foreclosure fraud is not only financially devastating but also emotionally exhausting for homeowners. Staying informed and vigilant is key to protecting yourself from these harmful practices. With the right legal guidance and proactive steps, you can safeguard your home and your financial future.

Wachovia Bank Foreclosures: Understanding the Process and What You Need to Know Wachovia Bank, once a prominent financial institution in the United States, was known for offering various financial services, including mortgage lending. However, like many other banks, Wachovia faced its challenges during the 2008 financial crisis, and its mortgage operations were affected. Many individuals found themselves facing foreclosure on loans held by Wachovia. Understanding the foreclosure process associated with Wachovia Bank and how it impacts homeowners can help individuals navigate this difficult situation. What Is Foreclosure? Foreclosure is the legal process by which a lender, such as Wachovia Bank, takes possession of a property from the homeowner who has defaulted on their mortgage payments. The process begins after the homeowner misses several payments, and the lender attempts to recover the outstanding loan balance by selling the property. In many cases, foreclosure results in the homeowner losing their property. The Wachovia Bank Foreclosure Process Although Wachovia Bank no longer operates under its original name (having been acquired by Wells Fargo in 2008), the foreclosure process involving Wachovia loans follows similar steps to those of other financial institutions. Here’s an overview of how the foreclosure process typically works: Missed Payments and Default Foreclosure begins when a homeowner misses several mortgage payments. Typically, the lender will send reminders and notices of default. If payments are not made within the stipulated time frame (usually after 90 days), the lender initiates formal foreclosure proceedings. Notice of Default After a homeowner defaults on their mortgage, the lender will send a Notice of Default (NOD). This notice serves as an official warning that the lender intends to foreclose on the property unless the homeowner can bring the mortgage payments up to date. Pre-Foreclosure and Auction If the homeowner does not resolve the arrears or reach an agreement with Wachovia (or Wells Fargo, as the case may be), the lender may initiate a foreclosure auction. This is when the property is put up for sale to recover the outstanding loan balance. The auction typically occurs at the county courthouse or through an online platform. Post-Foreclosure Sale If no buyer comes forward at the foreclosure auction, the property may become "bank-owned" or "REO" (Real Estate Owned) by Wells Fargo. In this situation, the bank will attempt to sell the property on the open market, often at a discounted price, to recover the debt. Potential Consequences of Wachovia Bank Foreclosures Loss of Property The most obvious consequence of foreclosure is the loss of the property. Homeowners will have to vacate the home and may be forced into temporary housing or an apartment. Credit Score Impact Foreclosure can significantly damage a homeowner's credit score, making it more difficult to secure future loans or obtain favorable interest rates. Deficiency Judgment In some cases, if the foreclosure sale does not cover the full mortgage balance, the lender may pursue a deficiency judgment against the homeowner for the remaining amount owed. However, laws regarding deficiency judgments vary by state. Options for Homeowners Facing Foreclosure While foreclosure may seem inevitable, homeowners with a loan serviced by Wachovia (now under Wells Fargo) have several options to avoid foreclosure: Loan Modification Homeowners can work with the lender to modify the terms of the loan, such as reducing the interest rate or extending the loan term. This may make the payments more affordable. Short Sale A short sale occurs when the homeowner sells the property for less than the mortgage balance with the lender's approval. This can help avoid foreclosure while minimizing the financial damage.