June 27, 2008

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    I had three dreams this week that I can still recall. I actually had quite a few dreams this week, but I have forgotten most of them. When I have another dream, the previous dream or dreams I had vanished in my memory. That's why the dream experts always say to write them as soon as you had the dream.

    I am not about to wake up and get up and start writing them down though. I tried doing it before, but I could not go back to sleep because I was too wired up writing down the dreams as they happen. I love sleeping and I love the feeling of being so relaxed. So, I chose not to remember the other dreams.

    This week though, three of my dreams stood out and remain in my memory bank so long as to where I can still post them here.

    My first dream was about my former job. I was being audited for files that I processed years back. It seemed like a certain company filed a lawsuit about an existing fraud going on and was now discovered. I had this dream Tuesday this week, but it stucked in my mind. When I was preparing the files, a friend of mine and my co-employee, who already left the bank about 4 months ahead of me, was also in my dream. She was telling me that she knew all along that there was something wrong with the files. She was not putting the blame on me but she directly implicated our department higher ups who allowed and approved the files. My friend seemed to be helpful but also was intimidating at the same time. Somehow, in my consciousness, I knew that I was dreaming and that there's no way that we would be responsible for files that were initially processed by another department, and not us. When I woke up after this dream, I started thinking that my former job was correcting somehow, instead of initiating. It was more of the tail end of the life of a loan. I used to do foreclosures and bankruptcy, the end result of a loan or loans turning bad.

    What's amazing about this dream is receiving a mail today from my mother in law where she enclosed a write up about a mortgage fraud probe.  The article said that six people associated to a mortgage broker and real estate firm have been charged for creating 21 loans that were made from November 2005 to August 2006 and found 18 of them in foreclosure or are in the process of foreclosure.

    I used to work many years ago with a mortgage broker who initiate loans and approve them based on the guidelines of lenders where they will sell these approved loans to in the secondary marketing. I could see that it will be very easy for brokers to doctor up documentation because lenders do not do their own set of gathering data because that will be time consuming. Lenders review what were presented to them and if they look feasible and agreeable to them, loans passed the probing eyes of the lenders' loan reviewers. It is really based on trust, but once that trust is broken, the mortgage broker in question may just as well close shop because no one in their rightful mind will buy loans from them anymore.

    The documents that can be easily doctored are the employment and cash on hand paper work. The appraisal values can be sort of inflated and could pose a danger to the rest of house values of the rest of the homeowners. These erroneous appraisal values could easily have caused the house boom and the proceeding downward spiral of the real estate market. The damage has been done. I've seen many houses went to foreclosure and many homeowners filing bankruptcy in my lifetime. It is a sad, sad situation, and most of the time, it's our department who have tried to mitigate the losses if the loans can still be salvaged. But our department also could be the end of the line for some mortgagors. They lost their hard earned monies through foreclosures of their houses. It can be a gamble, but dishonesty has a price. If some players involved in the house market are not playing with a full deck, chances are the other players down the line will surely get affected. Honesty is still the best policy.

    My second dream was about a romantic relationship. In my dream I found myself involved with a guy who was an attorney I was dealing with in my real life at my former job. It was strange that I had that dream because I was not even thinking about this person. It was a remote thing in my conscious mind. In my dream, he looked more handsome, a true looker, an adonis type.  Anyway, it seemed like it was a new loving relationship. I would go to his office and wait for him to finish up with his clients for the day. His office was an open space. He seemed to be always busy with people. Along the way of this dream, I've come across a woman who was deeply agitated with her relationship with a man who works in the same office where my believe to be boyfriend was also working. This other guy was also good looking, a man devoted to the pursuit of pleasurable activities. He was taking this woman who loves him so much for granted. I felt so bad for her and I tried to find ways for them to get on the right footing, but no one would give in. Somehow, my memory got clouded and I could not remember what happened to them in my dream. In my own relationship, I was introduced to the young daughter of my supposedly boyfriend and his family. When asked if she liked the new girlfriend, the young daughter announced and without reservation how she felt. She did not like the new girlfriend at all. In my dream, I took it in stride and went on my merry way of romancing her dad, who fortunately was enjoying the affection I showered him. That was a good feeling when I woke up, but still puzzled as to why I had that dream.

    Going on to the third dream, I found myself going back thru time. In my dream I kept on denying myself that I went back to the past. Apparently, I had to face the music and tried to warn the people of things that would happen in the future. I ended up with a group of young people who were busy with life's ups and downs that it was a struggle to get them to take me seriously when I told them that I am from the future. I was telling them of the events on September 11, 2001 and to prepare for it. This dream was a little blurry now although I had this dream very early this morning, the same time I had my second dream that I could recall.

    Anyway, being able to bring back 3 dreams at the same time, I think, is an act of imagination skill or a feat. Without writing them down right away, restoring them in my memory bank is a good way to exercise my brain power, I think.  Pleasant dreams can cause me to become less stressed or anxious, a de-stressor, (not that I am stressed in real life, far from it nowadays), which make me feel like singing this song:


    I Like Dreamin' ( CHORUS EXCERPTS) by Kenny Nolan

    Chorus:
    I like dreamin' cause dreamin' can make you mine.
    I like dreamin', closing my eyes and feeling fine.
    When the lights go down, I'm holding you so tight.
    Got you in my arms and it's paradise 'til the morning light.