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New tips for voting while in foreclosure

A new report highlights the confusion that people who’ve lost homes to foreclosure feel when determining how they can cast a ballot this November, and lays out ways to protect their voting rights.

The Fair Elections Legal Network’s report, “Lose Your Home, Keep Your Vote: How to Protect Voters Caught Up in Foreclosure,” is accompanied by guides tailored to 15 states – including California – on how and where people can vote depending on where they are in the foreclosure process.

“Voting is the foundation of our democracy. People dealing with the foreclosure process or whose homes have been foreclosed upon have enough to deal with without worrying about their vote counting,” network president Robert Brandon said in a news release. “With foreclosures on the rise again, the question shouldn’t be if a voter facing foreclosure can vote but where that voter can cast their ballot, and that question should be clearly answered by election officials.”

Brandon said election officials “have a duty to make sure voters have the information they need to cast a ballot and have it counted. They should be extra vigilant as Election Day nears to issue directives and educate the public and local election officials on how voters who lost their home can maintain their right to vote.”

California had the highest number of new foreclosure filings last year and, according to RealtyTrac, during the month of June 2012, California had the highest foreclosure rate nationwide this past June.

California has been hit hard by foreclosures in recent years; some areas, including the now-bankrupt city of Stockton, have been devastated. California in August was among the states with the greatest decreases (42 percent) in foreclosure starts compared to one year earlier, according to RealtyTrac, yet still posted the nation’s third highest state foreclosure rate: One in every 340 California housing units had a foreclosure filing in August, which is twice the national average.

And seven of the 10 U.S. metro areas with the most foreclosure activity in August are in California: Modesto, Merced, Bakersfield, Fresno, Stockton, Riverside-San Bernardino-Ontario, and Chico.

Like all movers, those who facing foreclosure also face hurdles to voting such as needing to update their address and/or re-register to vote in a new jurisdiction. What a particular person must do might depend on where he or she is in the foreclosure process; for example, someone who has lost a home might still have a legal “right of redemption,” a period of time in which they could repurchase their home and during which time they can still vote from that address.

In California and 17 other states, a person can keep voting at the address of their foreclosed home until they establish a new residence in which they intend to remain. In other states, the correct polling place for a foreclosure victim is often more confusing.

Posted on Thursday, September 20th, 2012
Under: housing, voter registration | 5 Comments »

Lawmakers urge Obama to act on housing

Much as the state’s U.S. Senators did yesterday, members of the California Democratic Congressional Delegation today urged President Obama to act immediately to address the troubled housing market.

The letter, drafted by delegation chairwoman Rep. Zoe Lofgren, D-San Jose, calls on President Obama to urge the Federal Housing Finance Agency to establish a plan to refinance all mortgages owned or guaranteed by Fannie Mae and Freddie Mac, and to push for a major principal reduction plan for underwater homeowners, such as modifications in coordination with Chapter 13 bankruptcy filings.

It also asks the president to institute a “Homeowner’s Bill Of Rights” that would apply to HAMP, FHFA, HUD, VA and private servicer modification programs. The lawmakers want this to make the process homeowner-friendly by ensuring a single point of contact; requiring servicers to review documents within a timely fashion and disclose information; and banning “advanced fees.” They also want it to eliminate obstacles to effective modifications by allowing for flexibility in the debt-to-income ratio; ending the requirement that homeowners be delinquent in order to be eligible for a loan modification; ending dual tracking; and requiring that servicers not report adverse credit information while trial or permanent modification is underway.

Finally, they want this bill of rights to ensure accountability and establish an appeals process by creating an Office of Consumer Advocate, authorizing random audits of modifications, and establishing an independent appeals process for homeowners who believe their modification has been improperly rejected or handled in violation of program rules.

Among those joining Lofgren at a Capitol Hill news conference announcing the letter this morning were Rep. Barbara Lee, D-Oakland; Rep. Pete Stark, D-Fremont; Rep. Jerry McNerney, D-Pleasanton; Rep. John Garamendi, D-Walnut Grove; Rep. Jackie Speier, D-Hillsborough; and Rep. Anna Eshoo, D-Palo Alto.

They all signed the letter, as did Rep. George Miller, D-Martinez; Rep. Mike Honda, D-San Jose; Rep. Lynn Woolsey, D-Petaluma; and other House Democrats from across the state.

Read the letter, after the jump…
Read the rest of this entry »

Posted on Wednesday, October 12th, 2011
Under: Anna Eshoo, Barbara Lee, George Miller, housing, Jackie Speier, Jerry McNerney, John Garamendi, Lynn Woolsey, Mike Honda, Obama presidency, Pete Stark, U.S. House, Zoe Lofgren | No Comments »

AG Harris launches mortgage fraud strike force

California Attorney General Kamala Harris today announced she’s creating a Mortgage Fraud Strike Force staffed by state Department of Justice attorneys and investigators charged with the duty of “protecting innocent homeowners and bringing to justice those who defraud them,” according to her news release.

Kamala Harris“Californians in search of the American dream all too often found a protracted personal and legal nightmare. Families are losing their homes, while those who perpetrated crimes and frauds against them walk free,” Harris said. “We will work to safeguard the homeowner at every step of the process – from origination of a loan to its securitization, and we will prosecute to the fullest extent of the law those who take advantage of trusting California families. We are setting a high bar for other states and we insist that homeowners be protected, respected, and informed.”

Harris rolled out the new initiative in Los Angeles this afternoon, accompanied by LA Mayor Antonio Villaraigosa and representatives from the U.S. Department of Housing and Urban Development and the Center for Responsible Lending.

Harris’ news release says the strike force will work out of state Justice Department offices in San Francisco, Fresno, Los Angeles and Sacramento, with 25 attorneys and investigators broken into three teams. A consumer enforcement team will target scams in the consumer arena, including predatory lending, unfair business practices in originating loans, deceptive marketing, and loan modification and foreclosure consultant scams. A criminal enforcement team will prosecute criminal frauds associated with the epidemic of mortgage scams, including fraudulent investment and money laundering schemes related to mortgage lending or foreclosure relief. And corporate fraud team will target misconduct involving investments and securities tied to subprime mortgages, as well as false or fraudulent claims made to the state with respect to these securities.

There were foreclosure filings against 546,669 California homes in 2010; an estimated 2 million California homes will enter the foreclosure process from 2009 through 2012. The state Justice Department reports it has received thousands of complaints related to foreclosure scams, mortgage fraud, and mortgage servicing practices in the past year.

“The fingerprints of illegal activity are all over the foreclosure crisis,” said Paul Leonard, director of the Center for Responsible Lending’s California office. “The Attorney General’s effort marries the need to punish bad actors for the practices that brought our economy to the brink with the need to eliminate the scam artists who have since attempted to profit from it. Given the economic damage wreaked by foreclosures in California, this initiative is very welcome news.”

Homeowners who believe they’ve been scammed can file complaints through the Attorney General’s website.

Posted on Monday, May 23rd, 2011
Under: Attorney General, housing, Kamala Harris | 4 Comments »

Foreclosure forum set for Saturday in Oakland

At least three state lawmakers are expected to attend a “foreclosure and economic crisis solutions forum” Saturday at which foreclosure victims, clergy, public employees and others will call for new initiatives to aid struggling communities.

Assemblyman Sandre Swanson, D-Alameda; Assemblywoman Nancy Skinner, D-Berkeley; and state Sen. Mark Leno, D-San Francisco, are scheduled to attend the public forum, from 10:30 a.m. to noon Saturday in St. Louis Bertrand Church, 1410 100th Ave. in Oakland. The event is being organized by the Alliance of Californians for Community Empowerment, Oakland Community Organizations, PICO California, and SEIU Local 1021.

The forum will feature testimonies from foreclosure victims and local officials who are still feeling the crisis’ impact, and will offer policy solutions.

“Banks must be held accountable,” Lilian Cabrera, currently in foreclosure proceedings, said in a news release. “I’m a small business owner in Oakland, and if I don’t hold up my end of a contract, I’ll lose my license. Well, the banks certainly haven’t held up their end of the deal and they’re getting away with it.”

Posted on Wednesday, March 16th, 2011
Under: Assembly, California State Senate, housing, Mark Leno, Nancy Skinner, Oakland, Sandre Swanson | 1 Comment »

Catching up with Barbara Lee and Pete Stark

Having argued the budget all last week, Bay Area House members were pounding the local pavement today, and I got to spend some time chatting with Rep. Barbara Lee and Rep. Pete Stark.

Barbara Lee (Dec-2010)Lee, D-Oakland, started her day by visiting with parents and teachers at the Early Head Start program at Oakland’s First Presbyterian Church, 2619 Broadway. That site serves 20 low-income toddlers and infants; it’s part of the city’s Head Start program, run in collaboration with the Unity Council and serving 1,374 three- to five-year-olds and 200 infants and toddlers.

The continuing resolution for the remainder this fiscal year passed by the Republican-run House late Friday would trim more than $1 billion from Head Start nationwide, reducing benefits to more than 200,000 children including about 27,000 in California.

From there, Lee came to the Oakland Tribune’s offices to meet with our editorial board; I sat in.

“For Head Start to be on the chopping block, to me, is mind-boggling,” she said, noting that with 100 families on the waiting list in Oakland, the program should be getting more funding, not less.

She also talked about how Democrats’ efforts to extend unemployment insurance benefits for “99ers” – long-term unemployed workers who’ve already exceeded the 99 weeks of benefits to which they’re now entitled – was excluded from this continuing resolution, just as it was excluded from the tax deal signed into law in December. Her own bill to extend the benefits, however, is far from dead, she vowed; she said she has 67 co-sponsors and will do whatever she can to bring it to a vote. “This has got to happen.”

Why fight so hard for these things when Democrats are in the House’s minority? “Why am I there? What’s the alternative?” she responded. “I can’t say I’m even cautiously optimistic, but it’s moving.”

She also renewed her defense of earmark spending, noting that in her 9th Congressional District, targeted budget lines have helped fund the Chabot Space & Science Center, the Cypress Mandela Training Center, Youth Radio, the Alameda County Office of AIDS Administration, the Oakland Unified School District, the Alameda County Library’s Castro Valley branch, La Clinica de la Raza, Asian Health Services, and sidewalks in the Ashland and Cherryland unincorporated areas.

“Earmarks are a good thing, and I am so sick of hearing bad things about earmarks,” she said, noting that President Obama’s State of the Union pledge to veto any bill containing earmarks led her to sign onto a “cordial” letter to the White House urging his reconsideration. “I’m going to fight this one to the end. I don’t know how and when we’re going to be able to restore this.”

Lee said she intends to keep pushing for defense budget cuts, at least to match those being made to domestic programs. She said she’s adamant about protecting Social Security against Republicans’ plan to partially privatize it. And she said she wants to do more to help homeowners facing foreclosure. All of this as she tries to balance Democrats’ efforts to get the President re-elected next year with the continuing pressure that she and other progressives want to exert upon him on issues from Afghanistan to earmarks.

Pete StarkStark, D-Fremont, started his day by visiting a government class at Fremont’s Mission San Jose High School, then meeting at his district office with a construction-workers union that’s concerned about who’ll be moving the assembly line equipment in the former New United Motor Manufacturing Inc. (NUMMI) plant as electric carmaker Tesla Motors moves in.

Then he met with me for about an hour at San Leandro’s Paradiso restaurant. Accompanied only by his 15-year-old son, Fortney Hillman “Fish” Stark III, he sipped a diet soda while discussing his desire to cut defense spending while protecting some of the domestic programs on which some of his most vulnerable constituents rely.

We talked about how his 13th Congressional District is somewhat socially bifurcated, with a somewhat older, somewhat whiter constituency in its northern areas and a somewhat younger, somewhat more multiethnic constituency to the south. We revisited that theme again toward the end of our chat, as he said he’s waiting with great interest to see how the Citizens Redistricting Commission will redraw House district lines later this year. But he said there’s no truth to the rumor that at 79 – and as the House’s fifth-most-senior member and the dean of California’s delegation – he’s not planning on running next year.

Given Lee’s comments, I asked Stark about rebuilding support for President Obama’s 2012 re-election campaign. “There’s been an amazing amount of progressive legislation that’s come out,” he said, from health care reform to the repeal of the military’s “Don’t Ask, Don’t Tell” policy on gay and lesbian servicemembers. The President will have to remain labor-friendly in order to put a lot of campaign boots on the ground in Alameda County next year, he said, but that shouldn’t be a problem.

On the situation in Wisconsin, where Republican Gov. Scott Walker is trying to break the public employee union, Stark noted his native state is politically odd in that it’s split between a conservative farm belt in the west and labor-centric cities like Milwaukee and Racine in the east. National labor unions seem to see it as “a make or break contest,” he said. “I wish we weren’t trying to decide the outcome of public employee bargaining for the whole country based on what they do there, but that may be the case.”

We touched on other topics from the falling dominoes of regime change in North Africa and the Middle East to the ongoing threat of terrorism and how it’s balanced against preservation of our civil liberties. And, looking past the current budget battle, he predicted the rest of 2011 will be about Republicans trying to roll back last year’s health-care reforms and Democrats trying to preserve them.

Stark will meet with constituents in a town-hall meeting from 6 to 7:30 p.m. this Thursday, Feb. 24 at the Fremont Senior Center, 40086 Paseo Padre Parkway.

Posted on Tuesday, February 22nd, 2011
Under: Barbara Lee, Pete Stark, U.S. House | 2 Comments »

Lawmakers urge banks to allow aid for jobless

Five Northern California members of Congress are pressuring mortgage servicers to work with a new federally funded program in California intended to help unemployed homeowners pay their mortgages and avoid foreclosure.

The Keep Your Home California Unemployment Mortgage Assistance Program provides qualified unemployed homeowners up to $3,000 a month for up to six months to help pay their mortgage. But according to the office of Rep. George Miller, D-Martinez, if the monthly mortgage exceeds $3,000, the servicers won’t accept any payment at all, even if the homeowner could send a second check to cover the difference between what is owed and what the program covers. As a result, unemployed homeowners who could avoid foreclosure proceedings thanks to this program are instead at risk of failing to pay their mortgage and landing in foreclosure.

“If this program is to have meaningful success, mortgage servicers are going to have to get on board with processing these payments,” Miller said in a news release. “Refusing to accept dual payments is unacceptable and is a disservice to the homeowners who are doing everything they can to stay in their homes while they look for work. Homeowners shouldn’t have to forfeit their homes because of bureaucratic intransigence by banks and servicers.”

Rep. Zoe Lofgren, D-San Jose, another of the letter’s signers, said “it’s time that banks and servicers become part of the solution and not the problem.

“It’s ridiculous that servicers and banks are unwilling to participate in a program that will help protect the value of the very asset on which their loan is based on,” she said. “I find it deeply troubling that servicers would have borrowers default rather than simply accepting payment.”

In their letter – also signed by Rep. John Garamendi, D-Walnut Grove; Rep. Jackie Speier, D-Hillsborough; and Rep. Sam Farr, D-Santa Cruz – they wrote that, “we believe refusing to accept supplementary payments from homeowners is inexcusable and we strongly urge you to remedy this problem expeditiously… It is unacceptable that servicers in California are unwilling or unable to figure out a workable resolution to this problem, particularly given that two viable options to address the issue exist.”

Those options, they say, are either to accept two checks (one from the program and one from the homeowner) or to forebear the amount of the mortgage that exceeds the $3,000 program payment.

Posted on Tuesday, February 15th, 2011
Under: George Miller, housing, Jackie Speier, John Garamendi, Sam Farr, U.S. House, Zoe Lofgren | 13 Comments »

California gets foreclosure-prevention funding

State Housing Finance Agencies (HFAs) in California and four other states can start using $1.5 billion in “Hardest Hit Fund” foreclosure-prevention funding under plans approved by the Obama Administration, the Treasury Department announced this morning.

President Obama established the fund in February to provide targeted aid to families in the states hit hardest by the housing downturn. The states approved to receive aid today as part of the first round of funding each experienced a 20 percent or greater decline in average housing prices.

Each state HFA gathered public input and created Hardest Hit Fund programs designed to meet their own states’ unique challenges. The plans were submitted to the Treasury Department in April, and the approved states can now set up and roll out their programs.

California’s share is $699.6 million, with which the state will implement its plan:

    Unemployment Mortgage Assistance (UMA) – Intended to help homeowners who have lost their jobs. CalHFA will provide a temporary mortgage payment subsidy of varying size and term to unemployed homeowners who wish to remain in their homes but are in imminent danger of foreclosure due to short-term financial problems. These funds could provide up to six months of benefits with a monthly benefit of up to $1,500 or 50% of the existing total monthly mortgage, whichever is less.
    Mortgage Reinstatement Assistance Program (MRAP) – Intended to help homeowners who have fallen behind on their mortgage payments. CalHFA will provide limited money to reinstate mortgage loans that are in arrears in order to prevent potential foreclosures – up to $15,000 per household or 50 percent of the past due amount, whichever is less, with a required dollar-for-dollar contribution match from the lender, servicer, insurer and/or borrower.
    Principal Reduction Program (PRP) – Intended to help homeowners who have severe negative equity – or are “underwater,” in the common slang. CalHFA will put up money, matched by participating financial institutions, to reduce outstanding principal balances of qualifying underwater borrowers. Principal balances will be reduced to market levels needed to prevent avoidable foreclosures and promote sustainable homeownership. The principal reduction program should most likely be a prelude to loan modification.
    Transition Assistance Program (TAP) – Intended to help stabilize communiteis by giving homeowners help in relocating when it’s determined that they can no longer afford their home. CalHFA’s transition assistance will be used along with servicer/investor short sale and deed-in-lieu of foreclosure programs to help borrowers transition into stable and affordable housing elsewhere. Borrowers will be responsible to occupy and maintain the property until the home is sold or returned to the lender as negotiated. Funds will be available on a one-time only basis.

House Education and Labor Committee Chairman George Miller, D-Martinez, issued a news release praising the funding.

“Every family in our community has felt the effects of this severe economic recession and the problems in California’s housing market,” he said. “People have lost their jobs and their homes through no fault of their own. This new federal program is intended to help homeowners in our state and to help stabilize our economy.

“Of course there is more to do, and we’re continuing our work in Congress to save and create good American jobs to turn the economy around and get people back on their feet. In the end, the best way to help avoid foreclosure is to get more Americans back to work. We’re making progress in that direction but that remains our top priority.”

The other states cleared for funding today were Arizona, Nevada, Michigan and Florida.

Posted on Wednesday, June 23rd, 2010
Under: Barack Obama, housing, Obama presidency | 3 Comments »

ABAG: Bay Area’s economic recovery will be slow

The Bay Area economy “will recover slowly, a mirror of the rest of the nation, stabilizing in 2010 with some recovery in 2011,” Association of Bay Area Governments Economist and Research Director Paul Fassinger told ABAG’s 22nd annual regional economic outlook conference today.

ABAG’s news release said Fassinger reports the region’s income isn’t expected to grow appreciably – 0.3 percent this year, 2.5 percent in 2011 – and the Bay Area’s inflation rate for 2010 and 2011 will hover at 2.5 percent. He estimates about 20,000 more jobs will be lost in 2010, but 2011 will show a modest gain of 8,000 jobs.

State Department of Finance Chief Economist Howard Roth told the ABAG conference, at the Joseph P. Bort MetroCenter Auditorium in Oakland, said the recession may be over but the toll has been “horrific,” and recovery will probably be slow as the unemployed seek jobs and people try to get their finances in order. He’s concerned that another wave of less-than-prime adjustable-rate mortgages will reset between 2010 and 2012, perhaps leading to a renewed foreclosure and housing-market crisis.

ABAG Senior Regional Planner Hing Wong reported the region’s consumer spending remains weak; he expects retail sales will grow by only 0.4 percent this year and 2.2 percent in 2011. That’ll mean a nominal taxable sales growth of 1 percent in 2010 and 1.9 percent in 2011.

DataQuick Information Systems analyst Andrew LePage reported some indicators suggest the housing downturn has slowed, with potential for a “fledling recovery.” Vallejo and Antioch had the highest number of foreclosures in 2009 – 1529 and 1455 homes, respectively – while Sausalito and Los Altos showed the lowest foreclosure numbers, five and eight homes, respectively.

Posted on Tuesday, January 26th, 2010
Under: economy | No Comments »

Recovery Act $$$ for Alameda County, Oakland

In short: $11 million to Alameda County for housing rehab and job creation, and $6.8 million to support Early Head Start in Oakland.

The U.S. Department of Housing and Urban Development released $2 billion from its Neighborhood Stabilization Program today, including the $11 million for Alameda County, bankrolled by the American Recovery and Reinvestment Act.

The NSP aims to spur economic development in hard-hit communities and create jobs by providing resources to buy and rehabilitate vacant homes and convert them to affordable housing. More specifically, the money is supposed to be used to help state and local governments and non-profit developers collaborate to buy land and property; demolish or rehabilitate abandoned homes and buildings; and/or to offer down-payment and closing cost assistance to low- to middle-income homebuyers. Grantees can also create “land banks” to assemble, temporarily manage, and dispose of foreclosed homes.

The awards also require housing counseling for families receiving homebuyer assistance funds through the NSP, and grantees must ensure that new homebuyers under this program get mortgages from lenders who agree to comply with sound lending practices.

California received about $318 million under today’s grant release; Gov. Arnold Schwarzenegger said it’ll “help provide prompt relief and assistance to individuals, families and communities while also helping create jobs throughout California.”

More about the NSP, and about the Early Head Start money for Oakland, after the jump…
Read the rest of this entry »

Posted on Thursday, January 14th, 2010
Under: Alameda County, economy, housing, Oakland | 1 Comment »

Got plans for tomorrow?

Lots happening in the East Bay tomorrow, Saturday, May 16:

World Can’t Wait will protest the University of California, Berkeley Boalt Hall Law School’s “complicity in torture” at 8 a.m. outside commencement ceremonies in the campus’ Greek Theater, and at 11 a.m. outside a reception in the law school’s Clark Kerr Courtyard along Bancroft Way between College and Piedmont avenues. Protesters will denounce John Yoo’s continued presence on Boalt Hall’s tenured faculty (though he’s currently on leave from UC, serving visiting professor of law at the Chapman University School of Law in Orange). Yoo, as a Justice Department lawyer, authored memos that cleared the way for “enhanced interrogation techniques” believed by many to be illegal torture; critics want UC to fire him.

Assemblywoman Mary Hayashi, D-Castro Valley, in cooperation with St. Rose Hospital will host her 2nd Annual Women’s Health Fair from 10 a.m. to 2 p.m. at the San Leandro Public Library, 300 Estudillo Ave. Women of all ages are welcome to take part in free health screenings and get the latest information on living a healthy lifestyle; topics will include “Feeling Fabulous after 50 From Head to Toe,” “Weight Loss at Any Cost vs. Health at Any Size,” “Fitness at Home: Exercises You Can Do in the Comfort of Your Living Room,” and “Breast Cancer: Latest Statistics, Risks and Treatments.” More than 450 women have already confirmed their attendance; to RSVP, call Hayashi’s district office at 510-583-8818.

United for Change, a “grassroots group of Obama volunteers inspired and empowered by the President,” will host a free foreclosure workshop from 11 a.m. to 2 p.m. at Everett and Jones Barbeque, 126 Broadway near Oakland’s Jack London Square. The workshop will offer homeowners and tenants in foreclosed properties the education, tools and resources needed to help their individual situations; among those scheduled to speak are Assemblyman Sandre Swanson, D-Alameda, and Oakland City Councilwoman Desley Brooks, as well as representatives from Fidelity National Title Insurance Co., the Oakland City Attorney’s Neighborhood Law Corps and Operation HOPE Inc.

Oakland-based TransForm – formerly the Transportation and Land Use Coalition, working “to create world-class public transportation and walkable communities in the Bay Area and beyond” – will hold its 12th Annual Summit from 9 a.m. to 4 p.m. at Laney College, 900 Fallon St. in Oakland. This year’s theme is “Windfall for All: Saving Our Economy, Pocketbooks, and Planet with World-Class Public Transportation and Walkable Communities;” it’s expected to bring together hundreds of local nonprofit and labor leaders, community activists, agency staffers, legislators, students, and policy practitioners seeking the tools, knowledge, inspiration, and connections needed to make change. Registration, available online or by calling 510-740-3150, costs $25 per person, or $15 for TransForm members.

Rep. Barbara Lee, D-Oakland, will host the 29th Annual “An Artistic Discovery 2009” Reception and Awards Ceremony from 12 noon to 2 p.m. in the Chiodo Art Development Studio, at 1933 Peralta St. in Oakland. It’s the annual Congressional art competition recognizing emerging high school artists throughout the country; students from the 9th Congressional District – including Albany, Ashland, Berkeley, Castro Valley, Cherryland, Emeryville, Fairview, Oakland and Piedmont – will compete, the winner will be flown to an awards ceremony in Washington, D.C., and the winner’s work will be displayed in the U.S. Capitol for a year.

Posted on Friday, May 15th, 2009
Under: Calendar | No Comments »