Ann Schroeder Woodard

Married. NC State Bar Certified Paralegal. Fluent in sarcasm. Independent thinker. Love hiking and the outdoors.

[Introvert Problems @IntrovertProbss]

Do you ever open a text and think “I’ll reply when I have the energy” and then BOOM it’s been two weeks and you’re a terrible person

[🍂 @Lovandfear]

Don't forget to rest 🩷

[Wholesome Side of 𝕏 @itsme_urstruly]

You are literally standing on a planet that grows peaches.
PEACHES.
Not to mention cucumbers, strawberries, kale, apples, blueberries, and DRAGONFRUIT.
Out of dirt.
I cannot stress this enough.
DIRT.

[Breanna Morello @BreannaMorello]

🚨SCOTUS RULING🚨

SCOTUS ruled that when police get your detailed cell phone location history from Google (through a "geofence" warrant), it counts as a Fourth Amendment search.

This means you have a reasonable expectation of privacy in that data.

[The Rational Animal 🤔 @theobjectivist]

The collectivist says the billionaire exploits the workers beneath him. Ayn Rand answered this completely with what she called the pyramid of ability.

In a free economy, the man of greater ability gives far more to those below him than they give to him. The physicist who discovers a principle hands a gift to every engineer who uses it. The industrialist who organizes production raises the wage and the standard of living of every worker he employs. But the reverse isn't true. The workers could never replace him, and could not produce on their own what he makes possible.

As Rand put it: "the man at the top of the intellectual pyramid contributes the most to all those below him."

So the truth is the exact opposite of the Marxist claim. The able man is not the exploiter. He is the benefactor of everyone beneath him, earning in payment only a fraction of the value he creates and spreads to all the rest.

Envy calls that theft. Reality calls it the gift of genius.

[Introvert Problems @IntrovertProbss]

Introverts dream life:

- 2 loyal friends
- 1 loyal partner
- pets
- a house near the woods
- a library with a fireplace
- making a living doing what they love
- silence

[blue @bluewmist]

Our house rule is you don't have to go to sleep if you're reading. So my 8 year old is now reading 6th grade reading level because he likes thinking that he's getting away with staying up after bedtime. Win/win.

[The Culturist @the_culturist_]

Easily the best way to stand out in 2026 is to read.

54% of US adults read below a 6th-grade level. Even elite university graduates are now incapable of reading a book from start to finish.

The divide between readers and non-readers will define the next decade.

This is why we started a book club to read the great works together. It's time to form serious reading circles of our own, in dialogue with each other.

Below are the texts we've covered thus far. We are currently reading the Odyssey (Fagles translation).

Join our reading circle if you want to work through the great texts of the Western canon with us. We'd like as many people to follow along as possible — tuning into our book club broadcasts is FREE.

If you'd like to support us and be part of the discussions directly (up on stage), consider a paid membership for a few dollars. You'll get:

- Live book club discussions (biweekly)
- Essays to guide you through the books we're reading
- Access to the community chat room
- The full archive of discussions and essays
- Ability to vote on what we read next

https://t.co/aqK2daehIL

Welcome!

[Antidepressant Content @depressionlesss]

life advice from cats:

if it’s annoying, ignore it

if it’s stressful, sleep

if it’s complicated, knock it off a table

[‏ً @omgsidewalks]

Actually, one of the healthiest things a person can do is become easy to delight. Still stopping for weird clouds and dogs wearing bandanas and the smell of garlic cooking somewhere down the street.

The world already has enough cynicism. Be the person who still points at the moon.

[That's My Michelle @JamelleMyBelle]

Somebody said that World Cup is just the US having a giant sleepover with the cousins we never see because our parents hate each other. 😂

[Lending Lies @LendingLiesX]

The New Electronic Frontier of Mortgage Fraud

Mortgage securities fraud is often treated as an exhausted subject because the industry has moved from paper notes, wet-ink endorsements, physical custodians, and recorded assignments into electronic records, eNotes, eVaults, and registry-based control systems. That assumption is dangerously wrong.

The fraud perpetrated from roughly 2000 through 2024 does not disappear because the industry changes formats.

A defective chain of title cannot be cured by scanning it. A forged endorsement does not become legitimate because it is uploaded- and a destroyed original note does not regain legal existence because an electronic image is later labeled “authoritative.”

Digitization may improve speed, liquidity, and record management, but it does not cleanse fraud, replace standing, or supply lawful authority where none existed.

The next frontier is not whether a bank can produce a piece of paper. The next frontier is whether the electronic system can prove (aka falsify). control, authority, identity, custody, alteration history, transfer history, and the legal right to enforce.

In the paper era, fraud appeared through missing notes, fabricated endorsements, robo-signed assignments, altered affidavits, and false lost-note claims. In the electronic era, the same fraud can reappear through manipulated metadata, registry substitutions, eVault access abuse, retroactive “control” entries, defective audit logs, and unauthorized certification of electronic copies.

This is why electronic mortgage records must be treated with more scrutiny, not less. The law does not merely require a digital file. It requires a reliable system that can identify the authoritative copy, distinguish it from all other copies, prove who controls it, and preserve a tamper-evident chain of custody. If those requirements are not strictly enforced, electronic records will not solve mortgage fraud. I predict they will industrialize fraud by AI.

With that said- old fraud remains buried in paper chains that were never lawfully completed. Millions of homes have fatally defective title- and always will.

The new fraud is buried in electronic systems that courts, homeowners, and even many attorneys do not understand. The issue is no longer simply “show me the note.” The issue is now: show me the authoritative copy, show me the controller, show me the audit trail, show me every transfer of control, show me every alteration, show me who had access, and show me the legal authority behind each entry.

A digital mortgage system without transparent, independently auditable control records is not modernization. It is a new frontier for the same old legal fiction.