I recently applied for a refinance with Bank of America, and when I signed up in the branch, I was given a rosie picture of the great job they do, and was told they will have the loan done quickly. I was given a rate lock at 4.5% for 60 days as well.

I still haven’t signed my loan docs, and although they say they will honor the rate lock past sixty days, they wont put it in writing. They also are thousands over my good faith estimate. Every time I call, it is a huge call center, and I get the same canned speech, “Be patient you are one of thousands of people waiting.” They admit they should hire more people, because they are behind in the thousands of loans.

They think my loan will be done by september. Steer clear of Bank of America.

Tags: bank of america, call center, good faith estimate, loan, mortgages

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All of us can learn a lesson from this controversy, and no matter what you believe in, we should stick to what we think, and believe in, and have the courage to say so. Good job Miss California.

Tags: Miss California, Miss USA, MSNBC

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It seems that the latest trend in mall design is to move everything outside in a “store front” design. Funny how times change, and go back to how it was. I remember walking up and down the street visiting different stores along the main shopping street in Long Beach, California. The owners of these malls will do anything to attract shoppers, and charge more per square foot to the poor independent merchant. Give it a few more years, and they will all go back inside.

Tags: California, independent merchant, mall, malls, promenade, shopping street, Temecula

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See the Hi Def version here

Tags: Gliderport, SmugMug, Torrey Pines, video

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I was driving down to La Jolla the other day. I decided to get off the freeway, and take the scenic route down PCH. It was a bit windy, so I wasn’t really expecting to find a photographic opportunity. I came down the hill to the river crossing at the northern tip of the Torrey Pines State Reserve, and saw this huge, almost “swarm” of seagulls being fed by a couple with a bag of bread. I pulled into the first available parking slot, which happened to be directly under the swarm, and started firing some shots. I got lucky on a few frames, and caught a few birds in sharp focus. Here you see an example. The seagulls also left me a few gifts all over my car.

Tags: PCH, scenic route, Seagulls, Torrey Pines, torrey pines state reserve

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