Thursday
Apparently I forgot when I got home yesterday from work to post that morning's post from this comments section to it's own post.
Oh well. The only reason I do it this way now is because I don't always feel like writing in the afternoon and now I can't log into my Blogger account at work, soooo, this is the only remedy.
Anyway, I guess my notices worked because the other tenant - of whom I was prepared to hand a 5-day notice today and already it had it prepared and ready to go - handed me over the rest of the rent.
Apparently, her paying me the rent is on her time, not mine. I have to wait every 2 weeks for her to get paid. So, the rent that is due on the 1st won't get paid until the 8th.
We got to talking. She wants to go to college and went to some community college over in Gilbert. Her parents and her both decided it was too far away. I suggested a community college that is all of 2 miles from my house. She leaves, comes back 2 hours later and informs me she has enrolled in college, lol, that the military is paying for it and when she starts, the military is also going to be giving her over $1,300 per month for living expenses. I'm telling you, it MUST be NICE!!
She then declared that she will be getting her own place after she starts getting her money. I asked her to please give me enough advance notice when she intends on doing that. She replied that she will be staying for a while until she can get some stuff paid off.
That's as much conversation as I've gotten out of that woman as I have had since she moved in. Literally. The only reason I got it was because she locked her keys in her car, couldn't get into her room, etc etc etc. I offered to open the room, she said NO!! Made me curious as to what, if anything, she has going on in there that she would get so defensive about having her room opened for her?
Well, whatever. I don't hear loud banging noises and I don't think she has someone else living in there, so, no big deal.
Meanwhile, the turtles. It's becoming rather comical. They are SO afraid that they just dive into the water whenever I walk up to the pond and then start swimming up against the side of the pond, apparently trying to get out! I decided to wear my straw hat, like I do with the fish, so that I can be more easily identified by these creatures.
Uhhh, well anyway. I have been trying to get something done on my mortgage - lower the interest rate again, refi - whatever. I can't get another modification, they told me yesterday, because I am not behind in my payments. Well and freaking good that is. So, what, let the payments go for 3 months and the call them back? They suggested a refi which I KNEW I wouldn't qualify for because the loan to value is WAY off kilter at this point.
I called the bank anyway, who called me back. We had a nice little discussion, didn't bother to apply, no need to, it wouldn't have been approved and would have been a waste of mine and the bank's time. I'm guessing the house is 30 to 40k upside down now. Yeah, somewhere in that range. It's a very difficult decision to make in deciding whether to walk away or stay.
August 26, 2010 5:59 AM
Anonymous said...
Well, it isn't that hard. I mean, a short-sale is the best option if the lender will go for it, but I think offers would be low and the lender might not like it. If I walk, then eventually I have to go bankrupt. If I stay, how many years or even decades before the house is worth at least as much as the mortgage that's on it? One thing I hope I never have to do again is go bankrupt. Once through that misery was more than enough.
I'm just going to sit on that one a while, think it through, make a decision eventually. I hate the neighborhood I am living is what the real deal is. A lot of the people are just trailer trash, literally. Dump garbage out their side doors as if their entire property is nothing but a landfill and trust me, some of them LOOK like a landfill.
OFF of that subject that is AGES old, unfortunately and gets me going every time I start thinking about it. Really - WHY can't they just keep their properties CLEAN at the very least, even if they have no landscaping? TRASH.
That's life in my fast lane, what about yours? Oh, the trailer tenants. Well the guy has been working outside and now inside as well. Cleaning out the utility room - looks very nice. I needed some acetone to remove glue sticking on the molding from - yes my - leaving tape on there. I was painting and forgot about it. He has done so much work and it's the end of the month (they are broke) I handed him a $20, told him to go buy the acetone and then keep the change. Acetone doesn't cost that much. So, he's going to get that junk off of there, paint it and it will look wonderful again.
I have seen 4 different weather forecasts for this coming weekend with wildly different predictions. It's CRAZY. How do these people come up with this stuff? One says Saturday will be 98 degrees, another says it will be 107. Whatever. I mean, I could just throw out a guess and that would be as close as anything they are coming up with.
This is crazy, NOW they have TOMORROW'S high at 100 - 2 days ago they said it was going to be 109!! ROFL!!! Gee, I think I want to be a weather forecaster, pick numbers out of a hat and that's what the temp will be!!
I put an ad on Craigslist for pond plants - either free or cheap. One guy wrote back that he would hand me a slew of plants for $20 including water lilies. Hmmm. Well, water lilies aren't cheap and I could use several more of those plants right now. Thing is, people thin out their ponds all the time and some of those people just chuck the stuff in the trash. THAT is who I am trying to get to in my ad - yes, folks, I'll come get them and get them when you're doing the thinning process. Think I'll wait instead of spending money. Plus, there is a pond meeting in 16 days I think it is and people bring plants from their ponds and give them away.
Okay, so, the Taliban is going to attack aid workers in Pakistan. To me, that is just plain cowardice, not to mention stupid. Those people are bring food and medical supplies and such to those people that have lost homes and have no access to food because of the flooding disaster going on over there. I think if those people do attack aid workers that there will be a special place in HELL reserved for them for engaging in killing anyone that is over there that is trying to HELP THEIR PEOPLE.
Work day almost here. This, so far, has been the slowest week yet. Work is so unbelievably difficult to make it through a day when there is literally nothing to do.
Anyway, hope you have a great day!
ben
5 comments:
Friday
So here comes this dude that is always messing up my Friday pre-work morning rituals. I mean, like right now as I was going to start writing this entry. One problem for him: I locked the door behind me this time. Again, if it were a customer, great, come on in, what do you need? But a truck driver? I AM a truck driver, I KNOW what it's like to have to wait until the doors open. Still 21 minutes left of pre-work stuff, I am not about to go deal with him for the next 15 minutes.........
I just find it aggravating is all.
Anyway, I was just reading a little blurp written by Karl Rove - and Obama's "Summer of Recovery", of which there is no legitimate way that Obama could possibly define this summer as one of recovery in any economic sense, none.
Where is this recovery? Where are the jobs? The housing market? Wall Street? I mean, get real, dude, there IS no recovery and the gloomists are saying another 2 and a half YEARS of "corrections", they like to call it, in the housing crash. In other words, that much more time's worth of foreclosures.
Well of course! How does an unemployed person that has no or little income pay a mortgage? I am, apparently, the exception to the rule: I have tenants, basically, paying my mortgage. Most people, apparently, would rather lose their home than have strangers live with them.
OHHHH, this guy. NOW he's at the window. AMAZING. At 6:00 am, I will go open the door. If he leaves before then, it's on HIM, not me. HE CAN WAIT like everyone else. I just announced to him very loudly that "I'm BUSY" and turned my attention away from it. What's he going to do, report me? Lol. Next time I'll put some over the window so he can't see in, either.
Ummm, anyway, lost my thought. Oh, yes, Obama and his recovery program that is, ultimately, going to have our children's children paying for this s***. Talk of repealing the health care bill, is, fortunately, still very present. Look, let's have health care but let's do it in a responsible manner, not just say here, let's dump a trillion dollars at it and hope the problem goes away.
Anyway, weekend almost here. There is, again, nothing in the truck routing system for today to do, which totally sucks. Another long day. Manager's meeting meaning all managers are "offsite" today doing a yearly meeting going over what, exactly, no idea. I hope to leave early today and just use vacation hours to cover it unless, of course, something comes up (which would be very nice if it did).
The weather forecasters around here, as normal, can't get anything right. Yesterday, rain wasn't even in ANY forecast, yet it was raining all over the place! LOL. This entire weekend now is supposed to have cloud cover, chance of rain and temps below 100 degrees.
Oh, the turtles. Yes, well now they're just hanging out at the bottom of the pond, underwater, terrified, don't know what to do for them. Really, I don't. I'll look on the internet to see if I can find anything, but, I doubt it. Time, I'm guessing, is the only factor here that will allow them a chance to settle down and grasp the reality that yes, this IS your new home. Prince, the giant black Great Dane, is fascinated by them. I pull them out of the water, oh yes I do, when I come around. Afraid or not, I am not going to just let them hide down there. He sniffs them, doesn't try to bite them or anything with this look of fascination on his face.
IF the temps stay down this weekend, I will be out front of the house doing yard work. I did several weeks ago - spend several hours out there - but there is really much more I need to get done. Grass is trying to grow everywhere and I'm going to have to put more plastic down to stop/contain the growth. A pain, yes, but I don't want grass growing out there at all.
Anyway, work day - whatever work there may be to do - is almost here and I have a few more things I wanna do before signing in.
G'day.
ben
I hope you keep your house. There is perhaps some relief on the way in terms of mortgages. I'm not sure what but there is going to be a method (Possibly) that allows for streamlining to a lower rate even if you are underwater. it just may not come soon enough...
one in ten mortgages currently in arrears.
Kind of a hard decision when you see all kinds of people simply walking away because loan to value is so lopsided, those people may never in their lifetime see the value of their home go back up to what it was shortly before the collapse. I KNOW several people that are doing this, even though they can afford to make the payments. If you want to stay in the home the rest of your life, then great - I do NOT want to stay in this home, it was intended as a starter home and I want out of this neighborhood.
But - now - it's back to 20% down for another house plus excellent credit - I have neither.
It would be a little easier to swallow if I could get the rate brought down to current levels.
Fin, I think those numbers are far worse in the Phoenix area and Las Vegas. A good percentage of "growth" in terms of economic view around these parts was all the new housing construction that was going on. When that went away - virtually overnight - so did a LOT of jobs and hence, obviously, people's ability to make huge mortgage payments.
ben
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