Wednesday, November 17, 2010

Wednesday 11/17/2010


2-1/2 days until 8 days off.
Yup, I'm counting the days now. I have this half-plucked idea I might spend a day or two before Thanksgiving going down to see dad - but - not sure about that. I think I can take a couple days off during the week between Christmas and New Year's even though I am also taking this much time off at Thanksgiving. 

A nuclear free world? Obama and his attempt to get a new treaty ratification going with Russia and the apparent fact that it's going to be shot down for now. There is never going to be a world without nukes. It would be extremely stupid for the U.S. to agree to, eventually, disarm and dismantle all of them. We would be sitting ducks, available for roasting at any time. Nukes aren't meant to be used, really, just deterrents for other nations not to use THEIR'S against us. 

I started toying with the idea of short-saling the house. 10, 15 years until the mortgage is equal to what the house is worth? Lol, I mean, that IS laughable. That's pretty much the projections I have been hearing for some time now. I dunno what to do. It's kinda tough to try and figure out what's next. So many people are just walking. Goodbye, c'ya later. 

My next move, though, is to try another loan mod. If they won't reduce principle amount, maybe I can get the interest rate reduced another percentage point. That would bring the payment down another $200 (at least) per month. It's funny that a bank will allow you to short-sale a house - meaning they are going to accept an offer for the house FAR below what your current mortgage is on it, but - they refuse to reduce the principle amount on the mortgage making it more affordable and possible for the current individual or family to stay in it. 

Whatever the case, I am seeking some way to get the total payment - taxes and insurance included - down below 1k per month. Another percentage point would bring it down to the $800 per month range. So, yes, I am going to write yet another letter of hardship, send it in and see what happens. It's worth a try and I would rather stay in that house than leave it. Rental housing, I am seeing in the Phoenix area, is getting much harder to find and the rates are going up. 

Anyway, my pre-work time is about gone.



Interesting day. Up early - 4:00, jolted out of deep sleep by the ridiculous phone alarm - annoying as all get out but that's the inten...