Another Fabulous New Yorker Moment.
Anthony Lane is a riot, especially when he's bitchy. This week he takes aim at The Phantom of the Opera.
His review starts with this delightfully snarky paragraph:
What does it take to shake a movie fan? Whether we are critics or bug-eyed buffs, so many of our evenings are spent in the company of crimes and misdemeanors that we can hardly be blamed for developing the hide of a pachyderm. Just occasionally, something slips through—a thin shudder of monstrosity, enough to remind us of what it means to be afraid. And so it came about, this week, that I gazed at a black screen and saw words so calamitous that they might have been written in my own blood: “Screenplay by Andrew Lloyd Webber and Joel Schumacher.”
I know I'm not supposed to delight in snark. The Believer has taught me better, and I really hate being snarked. But at heart I remain a callow hypocrite.
posted by ayeletw @ 1/01/2005 07:40:00 PM
126 Comments:
heh heh . . . that really WAS funny
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Adding delinquent payments and any foreclosure fees to the back end of the loan. This may include a permanent reduction in your interest rate.
Forbearance plans may be used to temporarily halt the foreclosure process for up to four years while you make payments to become current with the lender.
GOALS OF NEGOTIATION WITH YOUR LENDER
In our negotiations with your lender we are seeking to lower your payments, lower the interest rate, mitigate any negative impact on your credit rating, and keep your home from going into foreclosure. The lender benefits by continuing to receive payments on the mortgage, and saving on the costs that would be incurred in a foreclosure.
WHAT WE NEED FROM YOU
We will need to document your income and expenses for the last two years. Documentation will include pay stubs, tax returns, bank statements and property tax bills, and all of the paperwork associated with your mortgage. We will need copies of your bills to document your financial situation and the factors that led to your falling behind. Please provide any other letters or notices that demonstrate that you faced a reduction in your income or higher than expected expenses.
TELLING YOUR STORY
We will ask you to prepare a draft letter that explains in your own words what factors have led to your need for a modification from the lender. It is important that you author this letter, and that it is not generic. Please include the details that bring to life the financial difficulties that you have faced. If you feel that you were not properly and fully informed regarding the terms of your loan, please describe the process by which you came to sign the loan papers and what your understanding of the terms of your loan was at that time.
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