Okay, so I’ve been absent for a while. Trust me it’s not due to my lack of passion, actually the opposite is true. I’ve been struggling with my personal issues. Yes, like pretty much everyone, I have them. I admit it. Everything I do lately has been with the desire to stick it to someone to prove that they underestimated me and messed with the wrong person. While that might work somehow, somewhere, as a life focus not so much. I have found myself consumed with things that I deem turning points in the vision that I had for myself and sadly, find myself regularly picturing those who I hold responsible in my personal and financial downfall. Though I have been trying to channel myself in positive ways, tae-bo just isn’t enough. Maybe I just don’t do it frequently enough, something I have vowed to correct in this upcoming year. No, I’m not going to call it a resolution we all know those don’t usually go so well. Yeah, okay it’s kind of a resolution but again, I’m not going to call it that because of the way “resolutions” work out. I know you understand. So anyway, I guess my intention is to use this blog to along with imparting my wisdom that I know undoubtedly you will come to know and love, to hopefully help myself by removing anger from the decision process with the objective of ultimately reaping more success. I kind of sound like Oprah don’t I. Really the truth is I am ready to get back on the track with the plans that I had for myself before all of the outside intervention, we’ll just call it, that impacted the direction I have gone. That “intervention” is an unfortunate reality in my life and with my husband technically laid off and no insurance, this is all the therapy I can afford but we’ll save that for another day, another time. So I guess what I’m saying is “I’m baack”!
Posts Tagged ‘Homeowners’
Guess Who!
Sunday, January 31st, 2010How Can I Be Down
Thursday, July 30th, 2009I am frequently left to wonder “how can I be down”. While I think it’s great that the President is helping to resolve an issue between his friend and the officer that arrested him, it just reinforces my thought that I need to get some friends in high places. Don’t get me wrong, I always believe it is a step in the right direction when people can discuss those things that are causing strife, stress and concern in their lives, I would just personally love to have someone like President Obama help with facilitating discussion and mediating some of the issues that I have. You know, actually I’m not that demanding, the Vice President will do just fine. No honestly, I REALLY do have some issues I would like addressed. I’m not joking. I really need some HELP! Mr. President or even Mr. Vice President, will you please drop me a line? I don’t drink beer but I would happily talk over say an iced tea or lemon water.
Take It, For Now
Sunday, May 31st, 2009Banks, mortgage companies, underwriters and who ever else was part of the loan approval process were extremely negligent in their duties when they authorized loans for homes that most people probably didn’t understand the true cost of. Now before you start possibly rolling your eyes let me say, particularly when you are moving into a newly constructed home you can easily be misled by the monthly obligation that you sign the dotted line about. Many people aren’t aware, especially if they are a first time homeowner, of reassessment of property taxes. Okay so you’re thinking that you feel comfortable with the payment and boom, the bomb just dropped on you. You have to come up with $700 more a month. The reality is most people can’t afford to do that and didn‘t even know it would happen. But the lenders knew. So why is this small bit of information not accounted for when people are “qualifying” for loans? You certainly can’t get around paying it. Couple that with an increased adjusted rate payment they were more than happy to give you and there you go, disaster. People were put into homes that they, the lenders, knew couldn’t be afforded, but I guess they just figured that would be the homeowner’s problem. Wasn’t living the dream if only for a moment better than never having lived it at all? I think not!
Responsibility, That Is The Ticket
Sunday, May 31st, 2009“But we also expect financial institutions to act with the same sense of responsibility that the American people aspire to in their own lives” was a quote by President Obama. I believe that aspiration should be held even more highly by financial institutions and the current economic breakdown highlights the reason why. The problem has been that these companies have operated without the boundaries of responsibility for far too long. I personally find it incredibly hard to believe that banks didn’t know the repercussions of mass failure to pay. They knew, they just didn’t care. Perhaps they didn’t think it would come to this, really I’m trying to give them the benefit of doubt, no strike that, not really. Banks were making money off of over inflated values for homes and were happy and willing to collect while the collecting was good. I don’t pretend to know if bailing banks out is the best thing to do but it is still hard to accept that individuals who weren’t necessarily trying to overburden themselves or dodge paying but were admittedly seeking the American dream are having their lives reduced to a sticker on that dream and their belongings on the lawn, okay maybe a little dramatic but I have seen it before, when banks are being given the opportunity to see another day just somehow seems wrong. The feeling that individuals are still bearing the brunt of responsibility is one that I just can’t shake.
Stand By Me
Sunday, May 31st, 2009In case you haven’t noticed I am admittedly bitter about financial institutions and their ability to question every aspect of your life while feeling no need to disclose anything. And after having been in a situation where credit denial became a major problem, (I explain more about that in What We’re About under Pages on this blog), that couldn’t be properly addressed because of the purported ambiguity, I’m wondering why is it that when you are denied credit the explanation is vague. But then I realize who we’re dealing with. It’s the cover your butts crowd, financial institutions. Well I guess if I’m being unbiased businesses in general are always concerned about protecting themselves and perhaps as a by product each other. So that vague information was supplied purposely. The problem is this, if you ever have to address an issue that results in your inability to qualify for credit because of something specific in your credit report, the vague information supplied about your denial doesn’t help. Irrespective of what the banker or whoever tells you, that letter will be the sticking point and it isn’t enough. When credit carries so much weight in an individuals ability to manage their life, once you’ve gone through the process of gathering every detail about yourself, you deserve a fully outlined explanation not a generic form letter of sorts about why you are “unworthy” of credit. Spell it out, apparently it’s necessary.
Community Biz
Friday, May 22nd, 2009I don’t know if it bugs anyone else, but it annoys me to see abandoned retail spaces when companies, sometimes the one that vacated the first, are rebuilding often in the same community. Why is that? I believe that before the okay is given to construct new retail space, companies should have to return the vacated property to green space particularly if it is a specialized design that won’t fit most businesses. Perhaps then a little more thought would be given before these stores open a business on every corner.
I’ll Take That
Monday, April 27th, 2009Perhaps I don’t speak for everyone but I have to tell you that I really think that too many aspects of our lives are infringed upon in the pursuit of our dollars. So many things within our society that we have become dependent upon to make life easier, more convenient or simply for entertainment is being used to track everything that we do. Because of the mandate of digital television, pretty much everyone is going to have some system in their home that allows their television viewing to be tracked. Isn’t it sweet of the cable companies to monitor everything I watch and send targeted ads directly to me for my viewing pleasure? Not in my opinion but that’s exactly what they plan on doing. While I am all for technological advancements, why they need to occur at the expense of personal privacy is really beyond me. Oh and I have to say I’m personally tired of being asked for my phone number every time I make a purchase. Seems like in the good old days business had customers and made money without all that.