Wednesday, January 12, 2011

HAMP vs Modification

I was not given the greatest of news today when I called the mortgage company and started discussing the options available  After endless - and I do mean seemingly endless - questions about whether I'm living in the home, planning on staying in the home, on and on, income this - stuff I have already answered to these people 3 times in the last month, we got down to brass tacks.

Well, first, she put me on hold for 20 minutes.  Not an exaggeration, I was on hold for a LONG time while she was reviewing my file.  When she came back on, she told me HAMP would only help me by reducing the monthly payment by $100.

I had a lot of questions. Why?  Based on your income and that the amount you pay for the house will be no more than 31% of that.  It is, as always, based on GROSS income, not the amount you are taking home after all the deductions.  This, I think, is a load of BS.  Taxes, health insurance, I mean, a lot is taken out before I get my pennies out of it, but, that's the way it's structured.

I asked again why such a small amount, does it not reduce my interest rate?  NO.  HAMP does NOT reduce your interest rate if it is a FHA loan, which mine is.  I'm at the lowest rate I can get through FHA at the "current market rate", I found out today, presuming I was being told the truth.  I do not, however, presume anything when it comes to these lenders and all the crap that has come out about them over the last 2 years in how they are dealing with their customers.

Okay, dear lady, WHAT, exactly DOES HAMP do?  I mean, seriously.  They reduce the principle amount of your mortgage to the level that it brings your payment to 31% of your income.  That which is left over - the amount over that - is put as a lien against your home, or something similar to that, according to this lady, held by the FHA.  It is interest free, but has to be paid off when you sell your home or if you are going to pay it off.

I was completely unimpressed,because, the last time I did the modification, it dumped thousands of more dollars onto the loan for "fees" and junk.  She then started to talk short-saling.  It's kind of a bad word-term with me, because I have thought through the potential with that:  lose your home, move onto a rental property, lose your dogs, ponds, lifestyle basically.  Where am I going to live?  A rental house?  An apartment?  Wherever it is, it is on someone else's terms, not mine.

Her final "option" was to pay up current the account.  Whatever, lady, I  have played this game for a while now, I understand that as long as I can keep making the payments, even if 2 months behind, your company isn't going to come throw me out.  I didn't say that, instead I had more questions.  I got to the point where I said I would have to think about it.  HAMP is nothing like I expected it to be from what I have read.  Why it isn't explained in much greater detail so that a person considering it will know in advance what it is about, I have no clue.

About the time we were going to disconnect, I wondered, how much IS administrative fees going to cost?  Nothing.  Your loan modification, yes, you are going to have fees dumped onto your loan, with this, nothing.  That changed my mind instantaneously.  But then I was told it would start the clock fresh: 30 years all over. Hmm, 3 years lost, not that much.  

Somebody correct me if I am not seeing something here, but what have I got to lose?  No money for fees - or anything - added to the loan.  30 years, okay, I lose the 3.  But, I am now paying interest on a loan 25k less than what it is now.  The lien is interest free and will stay that way indefinitely.  The house CAN be sold, trust me yes, I asked, with that lien on there, it just has to be paid off at time of sale, ie: monies paid to purchase the house.  I stay on the property, I pay more than $100 less per month because they didn't have stuff on there that I am paying out every month, which affects the reduction, but I don't know how much yet, I see no down side to this.

Here's something else, though.  The lady across the street has cancer and wants out of her house.  She can't sell it, no-one has the money to pay cash for it.  It's an old mobile home that needs work.  Yup, I have done that work before - all of it actually - including tearing down paneling type of walls and replacing it with drywall, tearing off metal roofing and putting on huge patches, all kinds of stuff.  Been there, done that.  The only thing I don't like is that house probably has aluminum wiring, the same s*** that burned my other house down.

Have to finish this some other time.  I was talking on the phone with the widow of my deceased friend - yes I called her to find out how she's doing and though she is doing better, the conversation got to intense levels.  I can't finish this entry in the same frame of mind that I started it, so it is finished.

ben

Wednesday 1/12/2010

I wrote this entry this morning, submitted it, half of it disappeared.  Sorry for the fragmentation, but I usually do NOT re-write entries ad today is not going to be any different.  

On her Facebook wall, she was bragging that there is only one other person - at level 527 I think she said, above her on her list. I'm at level 355 currently. She is a newer neighbor and apparently doesn't know my competitive nature. I was not only peeved at Zynga for giving her that incredibly unfair bonus bonanza, I was also getting a bit peeved at this woman going around bragging about all of this. NO WAY should have Zynga EVER given her THAT much points for the issue she was having. Maybe a couple of levels worth, but that many?

Sunday, after I got whatever else done and not feeling well anyway, I spent a couple of hours leveling up, passing her and leaving her in the dust by 2 levels above her. I fully expected her to level up even more and by the time I got home yesterday, she was up 4 levels above me. Lol. I leveled up 9 levels yesterday, passing her and leaving it at 2 above her.

I was shocked this morning to find that I am STILL 2 levels above her. I mean, how do you compete with a person that doesn't work, apparently has nothing else to do in life but play one single game? Sometimes, you just play it out for a while and see if you can get them to back off, ie: you have played the same game they are in leveling up, they quit the race and go back to normal game play.

I doubt that has happened yet with this woman and if it goes on too long, I will back off myself as I have plenty of other stuff I would rather do than sit on a computer playing a game all day long. Still, it's fun to make a person eat their words, lol.

In fact, speaking of other things, my new hummingbird feeder came in the mail yesterday!! And she's a beauty!! It is made with copper, it's absolutely gorgeous. I want to hang it right in front of one of the windows so I can have an up-close view of any hummingbirds that might come to enjoy it's fake, man-made nectar.
Well, they love that stuff is all I can say and they are still fighting over the feeder I already have out there. Hopefully, this will help to alleviate some of that problem. This feeder is huge but only has 3 portals for them to feed off of. Which is okay, usually don't see more than one at a time anyway, if another one comes to feed, they end up flying off in a bird-fight and one comes back while the other might be seen in a fence a bit away.

Tenants. Always issues with tenants, yes? Whatever. The Army Reservist is currently 12 days past due on rent, hasn't spoken a word about paying it and I am assuming must have blown her money on her Christmas trip home to Alabama. That's just nice. Lovely even. Not a single word about the rent and we have talked several times since she got home. I have no choice but to leave a friendly notice. If that gets no response, a blunt, legal-type notice after that. I leave it up to the tenant to talk to me about the rent, I shouldn't have to go running around after these people asking them where the money is.

So, the reversal in this is the other female tenant who is always behind, she showed up while I was at work yesterday, left money under the door in my bedroom and got almost caught up. It's a strange world, I'm telling you.

G'day.

ben

Anonymous said...

........for clarification's sake, the first part of my "comments entry" disappeared into cyberspace, even though it originally showed that it had posted. I don't have time to rewrite it and probably will only add enough to make the first part of this posting make sense.
ben

Anonymous said...

Umm, but I was discussing a situation in Cafe World where a neighbor was given enough Cafe Points to level up 27 times instantly, which put her ahead of me. So, as is my want, I spent the last 2 days shooting her bs all over the internet down. Not by saying anything at all about it ot her or anyone else, but by being a thorn in her side and continuing to level up quite a lot for the last 2 days in getting ahead of her, until she gets ahead of me, back and forth it goes.......
ben

Tuesday, January 11, 2011

Tuesday 1/11/2011

Tuesday

I had no doubt that the shooting in Tucson, AZ would raise the age old debate over gun control. The question one must answer when starting to talk about "taking away the guns" is, in this particular situation: would gun control have kept a gun and ammo out of this man's hands?

No, no and no. Gun control, if ever implemented, will never work. The black market will sell as many guns as the criminals want or need and there is nothing to dispute that. Since that's the case, the only thing gun control will do is take guns out of the hands of law abiding citizens. If you think this society is unsafe now, just take the guns away. Give 'em only to law enforcement and see what happens.

The idea that Rush Limbaugh, Sarah Palin or Glenn Beck are responsible for this man's actions is unbelievable bile. I don't listen to Limbaugh, I used to but I got tired of the monotones. I occasoinally listen to Beck, who speaks of peace, not violence and there is nothing I have ever heard coming out of Palin that suggests that if we don't like what our elected officials are doing, we should just go out and shoot them. While we're at it, shoot everyone else around them. It is hard to imagine where these people come up with these ideas, but it is the junk that is being spewed out all over the place.

I'd like to get off the subject, but I find it difficult to do so. The idiots with mouths that have the media attention are spouting off all over the place and it's just short of maddening. If anyone is inflaming the public, THESE people are at fault.

Okay, off the subject. The only good thing I can really do is pray, seek the Lord and ask that His will be done.

Today, I "get" to go down through the area where I keep getting pulled over and getting warnings. I mean, what is going to happen today?....I ask myself. They're "just" warnings, but I know the company doesn't like it. It is usually the case that people that don't drive trucks don't understand what goes on when driving when, the legalities that must constantly be on one's mind while driving one and the consequences of getting pulled over by Highway Patrol when they decide they want to do "an inspection". I have understood for 25 years that if you are pulled over by them, they are going to write you up for SOMETHING. They ALWAYS do.

Anonymous said...

It's as if they feel they MUST give you a hard time. I dunno, but today I will have my camera on hand. If I get pulled over again, for what I do not know - they just pull you over and the reason is described in the rules: it is implied consent. You are driving a commercial vehicle, you can be pulled over at-will - anyway, I'm probably not going to just sit there and politely take the abuse. Enough is enough. Respectful, yes, but I'm not going to let them roll over me again.

I forgot to call the mortgage company back, so I'm doing that today. I turned in the required documentation. They told me they won't call me, I need to call them. Great, the call will be made and I will either find out what I qualify for, or, at least get the ball rolling. Or, I don't qualify for anything, sorry Mr. BB, you're stuck.

Then, I will have to make the decision as to whether it is worth staying in a home that is around 60k underwater. I keep putting that decision off because I keep trying to get something - anything - ELSE done. They are not giving out principle reductions, I have asked dozens of times, I always ask: are you giving out reductions yet? Just curious, you are going to take more of a loss than that, well not really with federal guarantees I guess, I don't really know how that works especially with an FHA loan - they always tell me no, they aren't. Yet, I don't know that for a fact. I don't ever get beyond the first tier of personnel or at most, the second. I haven't really TRIED to get beyond that.

A seemingly age-old problem that seemingly won't go away. Unfortunately at that.

Not much else in my world currently. I am going to call my now-deceased friend's wife and see if she wants to go to church this Sunday. She said she wanted to, I'll ask and see how she is doing. I doubt very well. 48 years of marriage, their lives were inextricably intertwined with each other on a daily basis. To lose one half of that has to be devastating. Worse, their anniversary is coming up on the 10th of next month. I know the kind of emotion that pulls out in a lady, my mother went through it for YEARS after her last man died of cancer. Anniversary would come around and that particular day was a day of grieving. This will still be quite fresh, gonna have to talk about getting some people around her that day and at least offering support.

As for this entry, it's done and history, cause' my time's a runnin' out.

G'day.

ben

Monday, January 10, 2011

Monday 1/10/2011

Monday

The news is still full of this story of the congresswoman that was shot, but now, the newest angles are that this shooter was a nutcase, basically. This is going to play out for a while. The surgical team/hospital where she is at says they are going to do updates every morning at 10:00 am (Mountain Standard Time) I will be listening for that this morning. 

Onto other things. The winds of change are coming. I'm not talking about the world, the state, politics, I'm referring to myself. I have no idea WHAT, exactly, I can just feel it. I've noted this kind of thinking and feeling in the past and shortly thereafter, something occured or some sort of dramatic change in my life and the direction it is going occured.

No, I'm not a nutcase with a gun about to go whacko, thank you very much. We're not talking death and destruction, or I certainly hope not anyway. You get on one track in life and it goes on for a while and then, the tracks change and you are headed somewhere else, doing something else. That's all. It doesn't necessarily mean anything great. That's all I'm going to say about it in this blog until/if/when something happens.

Watched NFL football yesterday, nothing fantastic going on there. Packers showed early that they might take the win and that's what happened. Steelers next weekend, that's the game I'm interested in - would be cool to see them go another round at a Superbowl - though I'm sure non-Steelers fans don't favor that idea at all, lol. "They already have enough Superbowl rings" is a sentiment I have heard a lot. Yes, but one more would be even nicer!

Here's an interesting one: 2 brothers being deported from Colorado given another year by a judge to remain in the states. They are allegedly illegal aliens. The interesting part is that both of them served in our nation's military during the Vietnam era. Personally, I don't care if you're from the planet Zoid, if you serve in our military and have an honorable discharge, you're a citizen. You gonna pay that kind of price, you deserve to be a citizen. 

Just wandering around the news this morning, the biggest thing on my plate for today is a LOT of work to get done. Several deliveries, several pickups and then another delivery. Should make the day zoom by, which is a good thing.

Speaking of that, work day almost here.

G'day.

ben

Sunday, January 9, 2011

Sunday 1/9/2011

It wasn't shocking,exactly, that a House member was shot and almost killed not 100 miles from where I am sitting.  But it was repulsive and maddening to find out a 9 year old girl was also shot and killed in that melee, especially after reading about her life and what she was involved with.  Not that the representative's injury to her head is any less significant, it just makes it that more sickening that this "man" would take out a little kid.  I fully expect the death penalty whenever this gets to court, litigation is over and the jury gives it's verdict.

This situation has engulfed the nation's news - as should be expected.

Onto other things.  One of the large Koi jumped out of the pond last night and was found kaput this morning.  Koi are known to do that.  Why, I have no idea, but it isn't something that surprises me anymore after reading about it all over the internet and talking with people that have had their own fish jumping out.  This one was about 12 inches long and huge.  Not the biggest fellow, though, there are 4 other Koi in that pond that are MUCH larger than this one.  I hope they never take that course of action.

I have been feeling ill all weekend long, but feeling a bit better now.  Getting up for work in the morning is going to be fun, I'm sure.  I have done much of nothing this weekend and glad that I have taken it easy.

Saturday, January 8, 2011

Satuday

Drainage going down the back of my throat half the night last night and now?  Feeling very crappy, indeed.  Hard to breath.  Going to have to buy a "dryer" today in case it happens again tonight - meaning the stuff that helps stop that kind of drainage.  I may even have to go to an Urgent Care center to make sure this isn't going to get carried away.  Not sure about that, our health care plan just changed and I don't know which centers take this insurance.

Cooking the other Standing Rib Roast I bought in November.  Serve with baked potates, peas, salad and gravy.  That will be the end of it.  I am going to buy a lot of chicken for a while now and eat that stuff, made up whatever different kinds of way I can find to make it, besides those recipes I already know.

I dunno, I was going to write up a "normal" entry by my standards, but on second thought, I don't feel like it.  Instead, I am going to go up to the store, buy some medicine and other things I need and probably take it easy this weekend.  Combine feeling sick with the aftermath of a funeral that really has hit me a bit harder than I was at first willing to admit, some down time is in order.

G'day.

ben

Thursday, January 6, 2011

The Memorial Service For My Friend

I showed up about 20 minutes early.  I didn't want to miss anything, plus it was about 25 miles from my house and just wanted to make sure I didn't encounter a traffic snarl or something to hold me up.

My now-deceased friend's name is Boe, his son is Boe Jr., who greeted me and brought me up to the front.  I hugged Josie, she was teary-eyed - obviously - said God Bless you and moved back for others to shower attention on her.  This was an outdoor service, they all are there - you can't shoot rifles inside a building, not like THAT anyway.  They have "shelters" where the service is performed. It's open air but it has a cover and cement type benches.

Well, anyway, I started looking at the pics.  I had never seen a pic of my friend when he was young.  There was one of him when he had started in the Marines - at the age of 17.  Boe's daughter, Carla, came up and we were talking.  She said she had wished that they could make a video of the service but no-one has a cam-corder.  No, but I remembered that my digital camera is in the car and I just freshly recharged it.  I ran back to the car, got it out and started deleting videos I had on there.  I wanted to make sure I did not run out of memory space and those videos I had on there were nothing special.  Most of them aren't.

I came back and stood in the back. Boe had a lot of friends, but, there were about 30 people there.  Boe Jr. comes to the back just before the ceremony started and invited me up to the front: Josie wanted me up there and Boe Jr. said his dad would have wanted me there, too.  I was a bit overwhelmed by the honor I was given, but, honestly, Boe and I were VERY close friends.  I didn't expect that, but I followed him to the front and sat down in a bench off to the side.

I was astounded by this military ceremony.  I have seen such on TV, I have never experienced anything like this in person.  It was amazing, beautiful and graceful.  The American Legion personnel were standing up front and they recited a poem and some prayers out of a book.  But it was "automated", these men were there because they wanted to be there, not because they felt compelled, at least, I certainly got that impression.

Meanwhile, about 100 feet away and off to the side of the ramada, is what I will call it, 21 men fell into formation, rifles in hand.  A bugler, standing well off to the side, also fell into formation.

When the 3 up front got done, they motioned for 2 - Marines I guess, I don't know - obviously military - came walking up.  But it wasn't aloof walking.  It was slow and it was purposed.  Walking in graceful, perfected strides, it was a sight to behold.  The came up before the 3 at the front and saluted them.  It was  a slow, fluid movement.  Timed perfectly, the 2 had their hands going up to their forehead and back down in perfect alignment with each other.  One of them took the flag that was next to the urn full of my friend's ashes and slowly, purposefully inspected it, then the 2 turned towards each other as if they were a machine, it was that perfect.

They slowly began to unfold the flag.  My friend loved flags, he was always flying the U.S. flag out in front of his house.  When it was fully unfurled, the 21 men with rifles got into position and at command, fired of a volley - almost exactly at the same time.  Another command, another volley, this time it WAS all at the same time and VERY loud.  The 3rd time the same.  Then, the lone bugler began playing taps.  There was nothing flimsy, unprofessional or monotone about any of this.  His performance on the bugle was perfection as much as anything else there.  There wasn't a dry eye in the house.

He finished and the 1 holding the flag began methodically folding the flag back up.  Slowly, I mean, there was nothing rushed about any of this.  He wiped off the dust with his white-gloved hand on each fold.  Each fold was meticulously pleated by hand and tucked sharply.  When done, he handed the flag to his comrade, did another very slow and methodic salute, and then walked off the same way he had walked in.  He walked about 50 feet away, stopped, did an about-face and stood there, looking on. You can see this stuff on TV all you want, it is nothing like experiencing it in person.  The other Marine  took the flag, went to Josie, got down on one knee and spoke in a whisper to her.  I have no idea what he said, whatever it was, it was for her and her alone.  I wasn't sitting far away, it was just whispered.  He then got up, saluted her, turned, and walked off the same as he had walked in.

The 3 at the front also departed after one of them declared this was the end of the military rites.  A minister came up as well as a friend, and that was the end of it.

It is one of the most amazing things I have experienced in any recent times.  A little girl, however, wasn't so happy.  That was one of Boe's grand daughters who was balling.  She loved Boe and always wanted to be go to their house to visit.  I went up and hugged Josie and the rest of the family again.  Josie asked if I wanted to come to her house.  Yes, of course.  They treated me like I was a family member.  I'm not going to sit here and say that tears did not flow out of my eyes today.  I was a bit afraid to drive that old car to their house, from north Phoenix to the town of Maricopa, a pretty good drive.

I spent about 5 hours with them.  There was good food, some reminiscing, the little 11 year old girl and her little sister came up to the table after everyone had left.  I mean, it was quite a while before they left, but Josie did not want me to leave with them, so I stayed for several more hours.  We played Uno - lol - and then some other card game I can't remember the name of.  At around 4:15, I finally left.  Josie was tired and so was I - this kind of thing just takes it out of me.

I got home and now have uploaded the video to my computer.  I was not necessarily concerned about what it would turn out like at the time of taking it. I aimed it in the general direction, looked at the screen a few times to make sure it was getting it all in, but I was totally immersed in the moment and that camera wasn't necessarily a priority.  So, when I got a chance to look at it, I was pleasantly surprised that it had turned out as well as it had.  They wanted me to burn a CD of it, but, I can't.  The Kodak digital camera records in .mov and I find out that burning a .mov file to CD?  You have to convert it to a different format. I have spent an hour - more like 2 hours - trying to download free software to make that happen.  On my third download, it actually worked - until I played it.  Sound only, no video.

Normally, I upload my videos to YouTube, I don't try to burn them to CD's, so this was new territory. I haven't got it yet, either.  In fact, I may just take the memory card out of the camera and take it somewhere and pay to have a couple of CD's burned. I'm sure there must be someplace that does that.  I apparently can pay for real player service to burn the CD, but I'm not there yet.  I'll do whatever I have to, of course, to get the thing onto CD, that service I think is $29.99 to do it on my computer.

The day is over.  I'll deal with that tomorrow.  In fact, I'll just take the camera with me to work tomorrow and see if I can find some place that does that and drop it off on the way home.  Or, I may just pay the price and get the upgrade to real player.

Oh, and I can't upload this to youtube.  It is 22 minutes long.  I think there is another online forum that you can upload longer stuff, I don't remember what it is.  I might do that instead.  Or both.  Who knows.

G'nite.

ben

Thursday 1/6/11

Heading out to the funeral in about an hour.  I haven't been to one in several years.  I don't expect to spend much time there, either, long enough to visit with his wife, watch the ceremony and then leave.  His wife will be surrounded by family and I am not going to interfere with that.  The thing is really just his ashes being brought to the cemetary and put into whatever they call those shelters for ashes.  He didn't want to be "spread out" anywhere, instead, his wife expects one day to be beside him in the form of a urn filled with her ashes.

Gruesome, I guess, but death is a real part of our lives.  I am glad that I don't have to do this very often, I can say that.

Anyway, I'm getting my clothes ready and such, so, I'm outta here.
ben

Wednesday, January 5, 2011

Wednesday

Wednesday

Pretty eiree stuff. A Philippino councilman is taking a photograph of his family on New Year's eve. In the photo, you can see a man behind them to their right with a gun pointed at the councilman's head, who is taking the photo. The man shoots the councilman seconds later and the councilman dies.

It was looking into the eyes of the killer that was the spooky stuff. Never seen a pic like that before.

Anyway, yesterday was my 5-year anniversary with my company. So, my company gives me 13,000 perk points. Sounds like a lot, right? Lol, well, you can't buy a whole lot with it. They have their own, online catalog, it's huge. I was going through it, couldn't find anything I would want, even lower priced stuff still wasn't accessible with the money.

The thought struck my mind, I wonder if they have any hummingbird feeders? I was going to get another one anyway, maybe I can get one for free. Amazingly enough, they had 8 different feeders listed in there and I had enough points to buy the most expensive one, which is a pretty cool looking thing if I do say so myself.

No idea when it's going to arrive, but the catalog is a conundrum of products sold by all kinds of different retailers. This feeder, I found out, is coming from Sears. I haven't been in a Sears store in years. It's amazing they have survived this economy, I thought they weren't doing so well, but I guess they have managed to eek by.

Hmmmph. Well, I was a bit surprised to go into the truck routing system and find all kinds of stuff in there to do today. One order with thousands of feet worth of pipe and a couple of other, much smaller orders.

I'm kind of dreading and looking forward to the funeral tomorrow at the same time. My friend's body has been incinerated, there will just be ashes there tomorrow. As I said before, I'm not very good with death. We all die, yes, but I can fall apart at a funeral pretty easily. I've been to plenty of friend's funerals - especially when I was a teenager watching my friends die all around me. Sounds strange, doesn't it, going to friend's funerals as a teenager - those people that died being teenagers or early 20's themselves. Much of it was painted with hokey, religious junk. It had nothing to do with the real God because those people had nothing to do with the real God and quite honestly, at the time, neither did I. I count myself very fortunate that I have lived this long and that the I found the Lord, or more like it: He found me, before my appointment with death arrives. I hope that appointment isn't too terribly soon, I would like to watch my son growing up, going into his adulthood. My parents didn't help me at all at the age he is going into - perhaps I didn't deserve any help but at the same time it made life extremely difficult. I suppose that's what I needed at the time: a good kick in the ass and a boot out the door. It certainly toughened me up, I can say that for a fact. Living in the back of a station wagon and then progressing to living in various rental rooms until finally going on the mission field after giving my life to the Lord - and THAT in itself is a book's worth of experiences.

And much of what I experienced on the mission field? You wouldn't believe my stories if I told you. A normal person would brush me off and say that didn't happen and it's impossible. Ohhhh, contraire: God IS real and He is still in the miracle-making business, I've seen it time and time again.

That is what the death of anyone close to me does in me: brings out thoughts of God, eternity and where we're headed, cause, Frank and Jane, if you don't know, I can pretty much tell you and it isn't a very pleasant place. It mostly causes me to do a lot of introspection and even a realigning of my life and the direction it is headed in, which this time around? Certainly no lack of those ideas floating around in my head.

Oh, and let me throw this out there: simply because you don't believe that there is a God or a heaven and hell does not, therefore, eliminate the fact that all 3 not only exist, but as real as the air that you can't see but are breathing right now. Jesus Christ - my Lord and My savior - is knocking at the door of your heart. Let Him in, he won't hurt you, he's not a thief or a bandit coming to steal from you.

I'll get off the podium now, haven't been on one in a long time.

The work day is here. I slept very well last night, amazingly enough. I mean, I woke up once and went right back to sleep. That is not a normal thing for me, no, it is not. The newest tenant paid me in full for the entire month. He had given me $100 to start and then the rest yesterday. The Army Reservist is nowhere in sight. It's getting later and later in the month. I'm going to wait until tomorrow - strike that, tomorrow has enough for the day with that funeral - this weekend and if she doesn't show up or at least call, I'm going to have to post the dreaded notices. In this case, a notice of abandonment. I took my frozen Standing Rib Roast that I bought in November on sale out of the freezer. I figure to cook that this weekend. After that, I am going off of red meat for quite a while. Chicken and turkey will be my mainstay, which it normally is anyway, but this holiday season I went overboard with the red meat stuff and you know they say eating too much of that simply isn't good for you. It isn't a New Year's resolution, it is a lifestyle for me. Eat as healthy as possible, which is why I usually, not always but usually, eat my lunch at Subway so I can have the sandwich made to order without all the calorie laden dressings and junk put on to it. I only made one resolution this year: start working out again, which I have started at a slow pace, but never-the-less, I have started.

The stuff about the Lord cannot be a resolution, as resolutions can be easily forgotten and put onto a shelf. No, that is also a lifestyle thing, something you implement because you want to, need to and have to. It is as much a matter of life and death to me as is my beating heart.

With that, I bid you g'day.

ben

Tuesday, January 4, 2011

Tuesday

Tuesday

The funeral for my friend is on Thursday. It is going to be a full military style thing with 21-gun salute, flag - I have never been to one of those kinds of funerals, don't really know what to expect.

I spoke with Josie (his wife) last night on the phone. She stood there and watched him die as emergency workers tried to save his life. It was simply his time to go. I don't know how else to put it, when it's time, it's time.

I was not a particularly happy person at work yesterday, either. Just because I didn't have time to process all of it. I got the news the night before JUST before going to bed and then get up for work the next morning. Life goes on, yes, still, when you have known a person for some 16 years and became close friends, it isn't something that you just dismiss as if it were a melted Hostess cupcake and throw it in the trash.

Change the tune here, I am not really that much down at this point, he was a good man and he lived a full life, he is with the Lord, it isn't a bad thing where he's at, just the people that are left behind have to deal with the emotional issues of separation and bidding goodbyes.

I was standing next to the hummingbird feeder a few days ago when one of them came humming up to the feeder. I was maybe 2 feet away from that feeder and that bird. He became so relaxed he sat on the ledge and perched instead of hovering. I find this fascinating, birds usually want to be nowhere near humans. Well, then, another hummingbird flew to the top of the 6 foot chain link fence and perched there, looking at the feeder with the other bird.

Now it gets dicey. Yet ANOTHER hummingbird zoomed right past the one on the fence, who immediately took off after it. A minute later, it came back and perched on the fence again. What happened next I wish I could have gotten on video: the bird on the fence swooped down on the bird on the feeder, poked it with it's bill and then took off. I heard this little squealing noise come from the "injured" bird who was RIGHT on the tail of that bird, chasing it away.

I don't know if it got revenge or not - they fly so fast they are out of my yard and down the street before you know what's going on. It wasn't 60 seconds later and it was back on the feeder, drinking away.

An amazing thought that these birds are, apparently, territorial, at least over "their" feeder and that they are willing to fight over it!!

My answer may be to get another feeder and locate it somewhere else, maybe on the other side of the house. Feeders are cheap, the mix to make the sugar liquid is cheap, nothing about money here. I would like to hang one right by the sliding door in the kitchen and and see if any of them will visit it.

Politics as usual. That's all I see in any of this. A vote is going to be forced on the repeal of the health care bill. I dunno that that's going to happen, I think it's more of a symbolic act to be used as weaponry in the next elections.

Our company just switched health care providers, going from Cygna to Anthem Blue Cross. I was not particularly happy about the switch, I now have to find a new doctor. I have had the same doctor for a number of years now and he was the kind of person that made a visit not so over-bearing. So, go to Anthem's site, pick a name out of the hat and hope I get a good one? Gag. Our company said it was a cost-reducing measure. Well, I'm glad to have coverage, so I can't complain too much, though the premiums are going up again. Pretty much every year the monthly premium is higher and higher. Can't afford to not have coverage so I pay it regardless of how much it costs. I am also covering my son and probably will be well into his "adult" life. My parents dumped me when I was 19 and I thought that a - petty - thing to do. I will be doing no such thing with my boy - until he find something that gives him his own coverage or if he ends up in the military - I will keep him on my coverage as long as I have coverage to extend to him.

Work day approaches. A couple of small orders in the system.

G'day.

ben

Monday, January 3, 2011

Monday 1/3/2010 The Passing Of A Friend

Monday

I was sitting in my kitchen last night at the computer, contemplating finishing up an entry for Sunday when my cellphone started ringing. I looked at the name that popped up on the screen: Boe, one of my best friends on the planet.

I answered in my normal way when talking to him but was not greeted by Boe. Instead, it was a lady's voice on the other end of the phone. She wanted to know who I was, which I thought strange to ask a person that you just called. This is ben. She declared that she is Boe's daughter.

I got a bad feeling about this. NO-ONE uses Boe's phone except Boe. She proceeded to tell me that Boe had passed away on New Year's Eve day. It took a minute for that to sink in. The thought of losing one of the few, real friends I have on this earth? About floored me.

She went into the story - he had a heart attack, followed by a stroke. They took him to the hospital but, it was a done deal. This guy was one of those types of people that everyone liked. No-one could hate him. I thought about the life-long pain he had suffered at the hands of a drunken Army Sargeant - the man got into a 10-wheeler, on of those big things the Army uses for personnel and such - put it in reverse and proceed to run over several men sleeping in a tent and also over Boe's leg.

Boe has suffered pain ever since then, some 50 years ago I'm thinking. I thought how he must feel right now, freed from that broken body.

It was a few years ago, something like 2 or 3 I'm guessing, that I started seeing Boe with a Bible in his hand. He started learning scripture and really fell in love with the Lord. It was almost shocking to see that man with a Bible, but it gladdened my heart to see him doing such and, over time, starting to be able to come up with Scripture. I only throw that in there because I know he is with the Lord, which means, at least from my view of it, he is in a FAR better place right now than any of us mortals living here on the earth.

That doesn't help his family, of course, especially his wife. They were married some 40 years. Or more. I'll have to find out. It was a long time, I know that.

I'll never forget the way I came to meet Boe. I was living in that trailer park - he and his family were, too. Some ladies in the park had started a homeowner's association to take on park management which was extremely abusive to everyone. They needed a person to take the president's position and had approached me about it. I wasn't particularly interested. I asked them to find someone else. They told me that I was the only one they knew of that had the guts to stand up to that bastard of a manager.

I had already stood up to him and his threats several times and had not backed down. I took the position, we scheduled a meeting in the main hall and I had flyers sent out to everyone in the park. Boe showed up, standing in the back, talking with another man, basically saying what a crock this meeting was and how it wasn't going to do any good at all.

He wouldn't quiet down when the meeting started, so I had to ask him to tone down or please leave. He made some sort of comment, but by the end of the meeting, he had a different tune. Boe and I started meeting together and going over landlord and tenant rules and regulations as put forth by the state of Arizona. We then started delving into all kinds of legal issues that the park was posing in their actions towards many tenants.

We became really good friends. He was the man that called me on 9/11 - I was sound asleep when he called - and asked if I was "watching this?". What? The TV. I asked what channel. He said ANY channel. Turned it on and there was the first tower smoking with a gaping hole in it. As Boe and I discussed how that POSSIBLY could be an accident - how does a professional airline pilot just somehow not miss a gigantic building? The second jet slammed into the other tower. We then knew there was no accident going on here, this was an act of terrorism. You all remember the skies after that - empty.

But, this is about Boe, not 911. He was a great man. Even in the worst situations, he was able to keep a smile on his face and an upbeat attitude. You can't replace a friend like that, you just can't.

The daughter told me that my name and number weren't in his phone. I said I had called him last time he was over at my place, like 2 or 3 weeks ago and he had saved it. Nope, she said, it was gone and his wife would not have the phone shut off until I called, as they had no other way to contact me. Josie is his wife's name, a beautiful, lovely lady and I'm sure hurting right now. I couldn't talk to her last night, they had given her a sleeping pill to get to sleep because, of course, the grief had overcome her.

It's hard for me just because he was one of the few friends I have left. I mean, I have plenty of acquaintences, lots of - dunno what you label them - half friends - I just don't think we make too many real, close and personal friends in life. I dunno, but the next coming days are certainly going to give me cause to think about all of this going on in my life. I don't take the death of close friends or loved ones very well, I just don't. I have been asked to come to the funeral, of course I will be there, don't know yet what day it's going to be. He is going to be buried in a veteran's type of cemetary somewhere in north Phoenix.

I don't really have anything else to say. I just wanted to pop a hello out to my friend, I know he's up there.

ben

Sunday, January 2, 2011

Happy New Year!!! 1/1/2011

I was going to get up last night and ring in the New Year with a glass of champagne and maybe honk the car horn - but -  the alarm didn't go off and I slept right through it.
Oh well, no great loss, but it is a tradition for me.
Anyway, Happy New Years to everyone and may you have a prosperous, healthy and joyful year!

Frost damage.
I covered up all my plants 2 days ago for the impending cold nights.
Friday morning the plants all survived without any damage.
Today? Not so lucky.  Yes, I left everything covered but the still exposed stuff
was damaged.  I would have to have hundreds of sheets, literally, to cover up EVERYTHING.
Anyway, I think there is yet another freeze warning for tonight, so, all sheets and blankets are
staying on the plants for another day and night.

Done.

The ponds are faring better than the plants.  Mainly because I have 2 heaters going in each of them.
The fish look healthy and are swimming around, so I'm hoping there isn't any ill effect going there.  The
temps in both of them as of yesterday evening was 55 degrees, up 5 degrees from the time I plugged all
the heaters back in.  I haven't checked today, but no reason to expect that it's any lower, hopefully up to 60.

Army Reservist has been gone quite a while now- but not unexpected.  I believe she said she was coming back on the 3rd or the 4th, no worries there.
Newest tenant is a day sleeper.  Well, morning to early afternoon sleeper anyway.  No problem when I'm at work, apparently a problem on weekends.  Cause', I'm home and in the middle of broad daylight, I do activities concurrent with the time of day.

So, just watching TV this morning he came out and said the TV noise had awakened him.  Funny, cause' that thing is in the living room and WELL away from the hallway or his room.  I turned it down a bit, but he came back out again.  I gave him a set of earplugs and haven't heard from him since.  I also suggested a box fan for white noise, that will be up to him whether he gets one or not, they aren't expensive and will help us all out quite a lot. I do not make a lot of noise in the  house, anyway, but I don't really want to have to feel hindered in my own home on weekends.  Always a middle ground to be found somewhere.

Thursday, December 30, 2010

Thursday 12/30/2010

So, the cold winter storm is here and going to get worse. Yesterday, I was at fry's food stores, they had all of their Christmas stuff at 75% off. I bought 8 strands of C-7 lights at $2.00 per box. No, not for next Christmas, either, although they can certainly be used for that purpose when the time comes around. 

No, they put off heat. Not much heat, but, enough to help fend off the hard freeze that is coming tonight. I will be spending the afternoon out there after work putting up lights and then covering everything I can up with blankets and sheets. A pain, yes, necessary, absolutely. 

I have serious doubts of much work today. There are orders in there but I'm guessing the rain yesterday and overnight will but a stop to any crews doing much of anything but staying home. 

Anyway, I talked to the non-paying to paying tenant yesterday. I had to remind her that she did NOT pay me anything last week, that when she showed up, she talked about everything BUT the rent and that it had completely annoyed me. So, I told her, she is paid up TO this week, but not FOR this week. That took some time for her to understand. I had to further explain that when a person disappears and starts getting way behind on rent, it is only prudent that I will start posting notices. It isn't a PERSONAL thing, just a business matter: pay the rent of please move your belongings out and if you don't, they will be moved out for you, thank you. 

Anyway, the work day is here. I am a bit tired as I woke up in the middle of the night to some crashing noise outside - it is very windy out right now - I dunno what that was all about but it took quite a while to get back to sleep. My poor doggies, I left them out in the cold this morning. Don't care, they sealed their fate the last time when I came home from work and found my coffee table covered in urine.

G'day.

ben

Wednesday, December 29, 2010

I Deserved A Ticket

I'm cruising down I-10 through Chandler (Arizona) area.  They started a construction project in a spot a couple of weeks ago.  The lanes are not narrowed, they are working in the middle of the freeway and put up those heavy concrete dividers.
The - 4 or 5 times I've been through there - since they started it, I have NOT seen a reduced speed speed limit sign.  I looked.  I really did. Construction sites are autonomous with reduced speeds.  Well, cars were buzzing by me going much faster as I was coming up to that today and STILL did not see any signs, so I zoomed along with them.
I saw the DOT Arizona Highway Patrol pickup sitting there, thought nothing of it.  I slowed down a little bit, but just kept cruising.  Apparently the car drivers didn't see whatever signs were posted, either.  They were going at least 10mph FASTER than me past they ADOT pickup, but I had this feeling.  Sure enough, I see this pickup in my rear view mirror come speeding up behind me, put on his lights, I pull over.

This guy was not your typical Highway Patrol officer.  He was totally laid back, about my age and very cordial.  I see him on the right side walking up to the cab of the tractor - a good thing, I don't much care to see people walking on the driver's side of a car or other vehicle on the sides of these freeways, there are too many stupid drivers out there paying no attention to anything.  They have run over HP officers around these parts in the past.  He opens the door, climbs up, says hello, I already had all kinds of documentation ready and handed to him, but yes, I did greet him.

He didn't say anything about speeding - so I thought maybe there ARE no signs and I didn't miss anything.  Instead, he asks me how long those pipes are on the back of my truck?  20 feet.  This goes on for a while, yes it does, yes it always does.  They want to see things working - lights, this that and the other thing.  If you don't drive trucks and you have never had this special attention, trust me, you aren't missing ANYTHING.

He mozies on back to his pickup, pulls out a tape measure and measures the pipe.  He goes back to his truck, puts up the tape measure and mozies on back to me.  Tells me I need 4 straps on that pipe.  I have 3, the legal amount necessary for that length and weight of pipe.  I mean, the straps I had on there are good for about 10 times the amount of weight I had on there.  No matter, DOT is always right and you sit there and listen to it, cause' - you have no choice.  You can argue with them, yes, and you will get reamed if you do.

I know PLENTY of truck drivers that thought arguing with them is aye okay, whatever dudes.  You can sit there and mouth off all day long, it isn't going to help you in the end.  I was raised to respect law enforcement, I keep to that pretty much.  The end result for those drivers is usually nothing good.  Tickets, fines and points. Pass.

He asks me if I can put another strap on the pipe if I have another strap.  Yes, officer, I can put another strap on there, no problem.  He continues, well it can be a 2 inch strap if you don't have any more other straps.  No , sir, I have plenty of straps and winches to strap them to.  He admonishes me to look out for traffic getting out of the truck - a VERY busy stretch of highway with a speed limit of 65MPH and drivers going much faster than that?  I totally agree.

I throw the strap on there, winch it down tight, done.  Oh, the pipe is 20 feet, 7 inches long.  It's 7 inches into needing a 4th strap.  Sort of.  The reason for excessive straps is that trailers without bulkheads have to add an extra strap.  The third strap I had on there was plenty and I thought was sufficient, but, our paperwork all says that pipe is 20 feet long, not 20 feet 7 inches long.  I have never measured it.  However, I had secured cargo in front of the pipe, by law, eliminates the requirement for the extra strap, so, legally, the third strap should have covered it.

Then comes the bombshell.  The area I was travelling through is a construction zone and is posted at 55mph.  I told him I did not see the signs and I was looking.  How did I miss them?  How did I miss them the 4 times or so that I have been through there since this construction started?  But, I was being totally honest: I did NOT see those signs and no, I'm not looking at freaking test messages while I'm driving.  I have no clue and still don't. Well, I didn't argue it with him, he came up looking for a serial number on the trailer, told me I can just kick back in my truck and he'll be back with me shortly.

I figured with the straps, a warning, the speeding - a ticket.  He said I was going 70mph - but I looked when I saw him, I was going 68mph.  In the world of commercial vehicles and licenses, a WORLD of difference.  15mph over the posted limit is enough to have your CDL suspended.  Yes, it is.  I think it's a 60 day suspension, not sure of that, but I think that's what I read.

I dunno, 10 minutes later.  I'm sitting there thinking about what I am going to do about this speeding ticket, you HAVE to fight it in court, regardless.  Especially a charge of going 15mph over.  Bummer, the day is going sour.  He gets in the side of the truck after mozying back up again, has the paperwork in hand, says that no checks, cash or credit cards will be needed.  It didn't register with me at first.  What is he talking about?  He begins to explain what's on the paperwork.  I still am not getting it, because he isn't coming out and saying it.  He says something else that starts me thinking that I am getting warnings, not tickets.  I asked him: You mean you aren't giving me a speeding ticket?  No, he says, just sign on this paperwork and we're done.  

I'm not going to lie and act like some egomaniac by saying I didn't thank him for not giving me a ticket for speeding, especially for that kind of speeding ticket.  I thanked him more than sufficiently, signed the paperwork, he wished me happy holidays, I bid him the same and that was that.

ben

Wednesday

Wednesday
2 more work days - including today - to go before another 3 day weekend.

I left the non-paying tenant a Notice Of Abandonment AND a Quit or Pay notice yesterday. She came "home" overnight, left me a note and left. I'm guessing she probably did a bunch of laundry as well, which really sucks because my power reader is almost out of money. Not that I'm out of money, I got home yesterday and found the thing beeping and $8 left on it.

Which is plenty, unless you have a tenant that thinks electricity is free and use as much of it as possible. 

Anyway, she left me 2 week's rent in the envelope and called it even, saying how confused she is about where I come up with another week's rent owing on top of it. I'm not confused: this week, last week and $75 for the week before. Now, if she is saying she is paid up UNTIL this week, fine, that's true. But, rent is due on the first day of the week, not the first day of next week, thank you.

Regardless, I was happy to receive anything from her, but she did state that she "is sorry you feel I have abandoned the room", yada yada yada. Abandonment notices are for those people tha disappear, in this case for a minimum of 7 days AND are past due in their rent a minimum 10 days. Well, she was gone 8 days up until yesterday and she was 14 days past due in rent. 

This is the trouble with weekly renters who are unemployed but don't want to lose their room. However, I did get the 2 weeks worth of back payments, I am going to call her later as she has requested and we will discuss the legal intentions of posting a Notice of Abandonment when a person completely disappears and is way past due on rent. If she was paid up, she can disappear as long as she wants to, I don't care. Just like the other female tenant who is paid up until the beginning of the year. She has been gone a week. Well, her room is paid up, whether a person wants to live in the room or not is their business, whether they pay the rent for it is mine. In reality, that lady is in Alabama right now visiting kinfolk and I have no idea when she is coming back, but unless it's way past the 1st, she won't be finding abandonment notices on her door. 

A huge storm front is moving through the state (well, since people are visiting this site from around the world, this state would be Arizona and I am in Phoenix), just as predicted. It is supposed to dump a bunch of rain all day long today and then tomorrow night, it's supposed to get very cold (by our standards, anyway). Well, I haven't had to water plants in at least 2 weeks and from the looks of it, I can move that another 2 weeks out. 

The dogs will get their nice little sweatshirt/vest thingies on them tomorrow when it's going to be very cold outside and that will be that. 

Hmmm, well I have a lot to do today, amazingly enough, I just checked the truck routing system. A trip to Queen Creek then to downtown Phoenix and then over to Casa Grande. I am wondering, however, if it's going to stay that way once the rain starts dumping out of the sky.

Anyway, work day is here and I'm done with this one.

G'day.

ben

Tuesday, December 28, 2010

The BIG News

I've been hearing this all day on the news, you'd think someone had been killed:
COLD BLAST IS COMING THOUGH - or some such thing.
About 2, 2 and a half years ago, a hard freeze hit this area.  It destroyed a lot of trees and plants all over the place.  
They are saying this thing coming through is going to be worse than that one and are warning everyone to cover EVERYTHING up or it's probably not going to come out too well in the end.  

Well, I take such warnings seriously, I have gone to FAR too much work and trouble to plant all of this stuff only to have Mother Nature come along and kill it.  I have enough blankets and sheets that I accumulated from last year to cover just about everything.  I got even more this year I should be able to cover all of it.  My Christmas lights will also help.  If I had big fans, that would help too, but I don't.  

So, Thursday afternoon I am covering everything up and it's going to stay that way for 2 nights in a row, the length of time they are saying the hard freeze conditions will be around.....................and hope whatever I do is enough, cause if it isn't, I'm going to be a very unhappy person if my plants all die or suffer serious freeze damages.  I can deal with some leaves being ruined, but an entire plant?  Gag.  




Tuesday 12/28/2010

Tuesday

I was just reading some pretty bad news for baby boomers. I'm at the end of that one being born in 1964. Statistics were showing that many have not saved enough - or at all - and are retiring early at age 62, therefore not getting the full retirement amount you could get at age 70 through Social Security.

Excuse me, but who the bleep wants to have to work until they're 70 years old? And WHAT, exactly, are you going to be doing at that age in the work force, greeter at Walmart entrances?

I have 16 years until I'm age 62. Guess I better get busy. I had 2% taken out of my paycheck this year - I wasn't going to do anything because of my financial situation, but I just let it ride after my company automatically reinstated it to 2% at the beginning of the year. It's about to break the 5 digit mark. Nothing to get excited about there. If it were about to break the 7 digit mark, woo hooo. 

Further reading had these people saying they are going to work until age 70. Have fun with that. I'm going to up my 401k deductions this coming year since our company is going to reinstate full matching benefits as of January 1st, I believe it is. I'm going to set it at 5% and see what happens. 

My goal, still, is in rental properties. Out or reach right now, but not forever. 

Oh, the situation yesterday out front of my house. I was out there doing something, whatever I don't remember, there was a woman walking up and down the street, acting as if she was looking for something. This went on for a few minutes before I asked her if I could her find something - I had never seen her before.

The next thing I know, this woman is on my property, standing next to me, talking to me as if we were friends and had known each other for years. That wasn't the bad part, the bad part is she was REALLY strange. Talking a mile a minute, giggling and laughing at everything, not necessarily the most coherent being I had ever encountered. It was really weird.

Then, one of the neighobhood kids that has been walking the dogs for me came up to take one of them. This woman went berserk. She wanted to take one of my dogs as well. I don't even KNOW this woman, I'm not about to let her just walk off with one of my dogs! This went on for 10 minutes at least. I was out there at that point waiting for the next prospective tenant to show up. 

Well, this guy drives up in his car and I'm trying to get rid of this woman. PLEASE leave now, I finally had to say, I have business to deal with, thank you. She leaves, the guy comes in, I show him the house, we start talking about all kinds of stuff. At the end of it, the kid brings back one of the dogs and this woman follows the kid right through the gate and into my side yard!!! 

She also left the gate open. Oh, it was all too funny to her, I was about to let loose but decided to just politely ask her to leave. You left the gate open. Haahahahahahheeeheheeheheheeehehehheee. 
I looked at her and said there was nothing funny about it, my dogs can get out when you leave the gate open, I was still tempted to tell her to get the bleep off of my property, I just let it go and escorted her out. 

One thing is for sure, that woman is NEVER taking one of my dogs ANYWHERE unless she steals one of them. I have this - bad - feeling that she is going to be back today. I think a bit more bluntness will have to be in order if so. 

Work day is here.

G'day.

ben

Monday, December 27, 2010

New Tenant

A 2-way street.
I have people coming over here, looking at the room.  They say that they are going to look at other homes before making any decisions.
Great, see all the homes you want, I reply, but I am on a first-come, first-serve basis.  If you decide you want the room but someone else gets it first after you leave, that's the way it goes.

It takes them by surprise.  It shouldn't.  That person is trying to put me on hold.  Just wait while that person is going to make up their mind, meanwhile, I have 10 other people that are interested in the room.  And, while that person is gone, they think they find a better place and baam, you've held the room for nothing.  Not only have you held it for nothing, you lost all those prospective people plus, probably, it gets past the first of the month and your prospects start thinning out substantially.

So, I tell them up-front, such as the individual that came over here today: I don't hold rooms.  I mean, spent a good 40 minutes with this guy, talking, showing him around, etc etc etc.  He finally said he likes the place, but, he wants to go see another house.  Wonderful.  I don't really say that, I'm thinking it.  You go see that house, I'm never going to hear from you again, I'm moving on.  I gave him an hour.  An hour was up, another guy that called yesterday wanted to come see it.  Please do.  He came right over.  We hit it off from the start.  I didn't have near the connection with the first person.

One thing you want when someone is going to move into your house:  a good feeling about it.  A connection, a "yes, this guy or girl can move in and it will be a good fit" type of thought and feeling.   This guy wanted to see EVERYTHING, including the ponds.  I showed him the ponds, he loved the dogs, wanted me to show him that the TV in "his" room works and that the satellite is hooked up and working.  Yup and yes.

At the end of it, he says he has one more house he wants to look at.  I felt my face "fall", he noticed.  What's up?  "I don't hold rooms".  There is nothing else to say about it.  I do NOT hold rooms.  The phone was literally ringing off the hook while I was talking with him.  I said all of those calls were for the room - which they were.  I can't and won't hold rooms.  No thanks.  I have been there, done that, most of the time it does NOT work out, unless you want to put cash down, the room will be rented to whoever says yes first.

He thought about it for a few minutes and said yes.  This is the place for him, he didn't want to miss a good deal, wanted out of his current situation BADLY, done.  The other guy?  He lost.  He and several others were calling the entire time.  That first guy - I have no sympathy. It's a good deal here, it's a VERY good deal.

You see, it isn't quite the stretch for me to say, nope, not holding rooms, since they are going to sit there and tell me that yup, they're going to go check out other places.  I don't hold it against them, I just don't hold the room FOR them.  That's their choice and I might add they are taking a chance.  Whatever.  Not the first person that has regretted not saying yes right away.

Onto other things.

HAMP.  Home Affordable Modification Program.
I called today.  My lender, that is.  THEY sent me the paperwork out of the blue.  I don't have to fill out all of that paperwork, I did it over the phone with them today.   They ask a lot of questions, just like they did the first time.  Got to the end of it, they want paystubs for 2 months; a letter of hardship and proof of tenant payments.  Well, they had the pay stubs and the letter of hardship within 30 minutes of that call. I sat down and wrote up the same type of hardship letter that I gave them the first time.  Pay stubs were easy enough to get on my company's site.  I don't normally carry tenant contracts around with me, so, lol, I have that to send in.  Oh, I faxed that stuff over to them.

After all of this time, my lender is finally participating in the HAMP program.  NO guarantees, of course, but, I will hold out hope.  My lender is not reducing principle on properties. I have asked 20 times at least, today was no hold-out on that question.  Why should they?  I don't know, I just ask.  I ask for everything.  They can reduce the interest, reduce the payment, lengthen the term of the loan, apparently several things.  I do NOT want the loan extended another 10 years, that is useless.  I mean, it would bring the payments down, but it doesn't help.  I want reduced interest rate, THAT helps.  Bring the monthly payment down another $300 or more, that would be great help.

Is there any credence to $5 per gallon gasoline within 2 years?  I don't know.  This is the latest news story, the "experts" saying that $5 is coming within 2 years and that by the end of the decade there will be rationing.  I dunno.  I just don't know.  Last time they came up with this $5 or even more predictions, it tanked and we were back in the $2 plus change range.  Definitely feeling the bite at near $3.00 per gallon fuel now.

Strange stuff going on all over the place, the front of my house no different.  But, that story is going to have to wait until tomorrow, as I'm tired and I have decided to go to bed an hour early.

G'nite.

ben

 Thursday morning It’s almost 9:00 am and they are just starting on finding parts after calling them to see where they’re at with this. They...