Snowpocalypse 2014 and other news

When the snow was predicted, I, like everyone else, pretty much said, “yah, whatever!” and went my merry way. Well, we all know how that turned out. Nick was very fortunate to be a) on this side [East] of the city and b) get through in the nick of time. It only took him 1.5 hours to get home. We had friends who slept in their cars and didn’t get home until Wed afternoon. It was shocking and makes me want to up our game when it comes to prepping for weather, war, zombies or whatnot. You can be sure my canning and preserving will be trebled once we get a new place and I’ve got storage.

I also do not agree with blaming the various governments for the disaster. The weather reports were NOT agreeing on what was going to happen. I saw “light dusting of snow” until around NOON. SO I find it hard to criticise the bureaucrats for what happened. Atlanta has FOUR salt trucks, people! And two of them ran into each other while trying to leave the lot. And even if they had gotten to the main roads, gridlock happened in about an HOUR. DOT couldn’t have salted in any case. Gridlock is because of sprawl. It’s too late to do anything about that. This is the best article I’ve read about the whole incident over at Politico, by Rebecca Burns.

DJ update: he seems to be faring well without the fluconazole. His bloody vomit has ceased and he’s eating a bit better. I’ll take that as a WIN. He’s still old and frail, but he’s eating.

Nick changed out the plugs/wires in the new Ranger and had to have the pros do the last two due to their location. The mechanics gave it a once over and found that the tensioner/pulley assembly is loose. So we’ve got that repair to look forward to. ::sigh:: It’s still better than a payment.

Still house hunting, but it looks like Carthage Rd in Tucker is The One. Tons of space, priced right and not in the ghetto. I’d love to be ITP and nearer to Avondale Estates, but dammit, I’m sick of the ghetto and I will NOT live in Scottdale or Clarkston. NO WAY. 30033, 30345 and 30084 are our targets and so far 30084 (Tucker) is the only one yielding any decent, spacious houses. We saw a piece of SHIT in 30033 that was proudly asking $195k; it was tiny, unrenovated and needed at least $15k of work. BUT they will probably get that price because it’s next to a nice school on Medlock. 30033 has “Next to Decatur” syndrome and therefore most properties are overpriced. Same for 30345 (LaVista Rd/Oak Grove area w/ Lakeside HS). There is a REALLY nice house in 30084, but it’s WAY out off of Pleasantdale Road and just too damn far. Shame, tho, it’s fully renovated and priced at $169k. WAH.

My freebie Apple monitor died this morning. It had the death blinks (power light blinks in codes; this one was “backlight dying”) for as long as I’ve had it and finally died. I’m using the wee little 15″ Dell monitor off the server today. It’s so cute! Rocking like it’s 1995! My dock icons are so teeny that I can’t read the badges! LOL This has also prompted me to clean up my gazillion folders laying around on my desktop. That shit is out of control, yo.

I guess that’s it for the State of the Weasels right now. I’ll keep you updated about the move as info becomes available. :)

Happy weekend!

Let the games begin!

[We did NOT buy a house, thank the gods. We decided to rent and I thank my lucky stars EVERY DAY that we did. Fuck home ownership. It is a neverending black hole for your money. We’ll never go through this shit again. HAPPY RENTERS!! – Jan 28 2017]

I like our Realtor, I do, but in general, all the people involved in the buying and selling of real estate bug the shit out of me.

It’s partly because I grew up with a Realtor/builder father, I suppose. He would RAIL about the dumbasses he had to deal with. I never really believed him until I bought my first house and am now looking at another. The mortgage industries are run by squirrels, I tell you: SQUIRRELS. And they’ve ALL lost their nuts.

After the debacle with the agent (NOT a Realtor©) that sold us this house, I was prepared for more of the same: ignorance, bad leads, blocking the sale, etc. Luckily for me, I found the best Realtor© in Atlanta. TOOOOTALLY different experience. Beth is awesome and we couldn’t have done this deal without her. When I showed up at her house to drop off the earnest check, she took one look at my stressed out self and poured me wine. THAT is someone who gets me! LOL

The mortgage people, on the other hand, are so clueless that you spend all your time trying to figure out what, exactly, it is that they want you to do. The processor (not the originator, who is OK) we’re dealing with can’t read bank statements, apparently. It has been a frustrating and unpleasant experience with the mortgage. Not unexpected, but much worse than anticipated.

For instance, we were given several docs to fill out and sign for the mortgage company. Our mortgage officer is awesome and she feels the industry is ridiculous like I do. So one doc is called the “Consumer Explanation Letter”. This is a document listing the bankruptcy (and I guess other judgements against you if you have them) and the associated accounts affected by the bankruptcy – such as the mortgage. What they want you to do is give them a one sentence explanation of WHY you filed bankruptcy. Like it’s any of their goddam business. So for us, I totally blame Bank of America, who closed all our open credit and lowered our cards so as to completely shut us down and ruin our credit without provocation. It’s not like we missed payments, we did not. So that’s what we put. Fuck BoA and fuck the mortgage industry [we did not add that last sentence, although it is implied].

The mortgage people also cannot understand how a credit union works. With a CU, unlike a bank, the account will have only one name on it, even if it’s a joint account. The reason is that CUs have members who are shareholders, not clients, and each account is ONE SHARE. So you can’t have two names on one share. Makes sense, right? Well, not apparently to the mortgage industry. Nope, they are completely confused by this and want all this extra documentation proving that a) it’s really a joint account and b) I won’t take all the money out and run away with it. ?? I shit you not. Because if you don’t use a goddam BANK like god intended, then you are a communist criminal.

Fuck the banking system and fuck the mortgage system. Neither has changed one single iota since ruining the economy AND getting TRILLIONS in bailout money. They are still showing record profits and now they can treat borrowers EVEN WORSE than they did before in the name of “trying to make loans more secure.” Read: “trying to make sure we make as much money as possible off the poor sods who need house loans.” It’s absolutely disgusting.

Fun fact: FHA loans, which have always had big insurance payments tacked on for a few years, are now engineered with expensive mortgage insurance built in for the life of the loan. $200 x 360 months (30 yr) = $72k. That is 72 THOUSAND DOLLARS extra you’ll pay with an FHA loan. You could buy a second house with that! And this is “helping” Americans buy a home how, exactly? Oh, yes, because it allows someone who’s bankrupted to buy again in 2 years. Nevermind that people bankrupted because of BANKS in the first place… Our fucking payment on a $183k loan is over $1250/mo with the FHA insurance. !! That is too much for a $183k loan! So now we are overburdened by this extortion and we’ll have to go through ANOTHER loan process to refinance and get rid of the goddam FHA loan in a few years. Great. FUCK THE MORTGAGE INDUSTRY.

So, as we continue onward towards getting a new pad, we’ll try to not kill the mortgage people no matter how much they need killin’. Eyes on the prize!! We just want it to be over, now, please.

Super quickie update

DJ is still sick. Throwing up blood is probably not a good thing. It’s red undigested blood, which is most likely a very bad thing.

First house we looked at we’ll probably pass on. The Flipper guy is a douche and we don’t trust him. Besides: ghetto.

Now we are looking at several other houses in/near Tucker. Not ghetto. The PERFECT boat house fell through. Too bad, so sad. ::sigh::

Found an excellent mortgage lady who made the pre-qualification happen. Hey, Reina! I’m happy to pass along her info if you’re looking for a fast, efficient loan.

Found a fabulous Realtor who understands our needs and is sending me GREAT leads. Hey, Beth! I’m happy to pass along her info if you’re looking for your perfect house. She really listens!

New truck is doing OK, needs new plugs/wires.

Nick’s job will probably twilight in 12-18 months. We’re on a clock here, folks. Anyone want to invest in a bar/restaurant? If so, hit me up. We need to get a plan together and start shopping it. TICK TOCK.

So, yah. We’re a little stressed out. And we’re cutting back the Celexa now, too. ::maniacal laugh! maniacal laugh!:: WE CRAY.

Hairspray

I just had my memory joggled by a FB post by a friend, so I thought I’d take a moment and jot down my memories of my mother’s beauty shop that was one half of our renovated 2 car garage when I was a kid. The other half was the Red Room, which I’ll also describe for you.

In the late 60s – early 70s, my mother did hair in her shop at our house. She’d gone to cosmetology school in the early 60s (one of two choices: cosmetology or business school) then gotten married and proceeded to pop out me and my brother. My father worked at Robert Shaw – Fulton in Oak Ridge [TN] as a machinist. This plant was a part of the war effort and also the space exploration effort. My father worked on a steel box that was used to collect rocks from the moon. Isn’t that the coolest?

My mother opened the shop to make money while my father’s union was on constant strike circa 69-71 or so. I don’t remember why (money, no doubt) but I do remember my parents being stressed out and my dad being home all the time. So they converted the 2 car garage and mom opened the shop. My father left Robert Shaw – Fulton around that time and got into the real estate biz.

Anyway, my mother had this shop, complete with a full wall station w/ washing sink, hydraulic chair and two hair dryers. My brother and I used to play on the hydraulic chair. I remember the coating of hair spray on the back of that chair. You could flake it off like plastic. The station filled the whole wall on one side and had a black sink. The hydraulic chair and hair dryers were lilac and white.

My mother taught me how to wash hair properly as soon as I was tall enough to reach that sink. She’d do my hair in a bouffant and I remember sitting under the dryer with rollers in my hair. I have a picture somewhere of me asleep under the dryer. Since it was a bit past the hey day of the bouffant, my mother mainly had old ladies coming to the shop. I think she charged $4 for a wash/set. They’d come in once a week. (The thought of not washing my hair for a week makes my skin crawl!! I’ve always been a daily washer. I’ve got a greasy head.) One lady I can vaguely remember was Nelly, who had tinted red hair and wore a short bouffant. I think she was one of my mother’s favourite clients. I remember her as being tall, but I was only 5 or 6 at the time.

The door to the shop went into a laundry room, then another door went into the Red Room. The Red Room was a large family room with a fireplace along one wall. The hearth went almost to the ends of the wall. The house was white brick (which I love to this day) and the fireplace/hearth was made of the same brick. The room was paneled with grey paneling that had black seams. Red carpet ran wall to wall. It was a mediterranean themed room, so the furniture was low and fat, covered in red velvet. It was a sectional, with a low square black topped table at the corner. All the cushions came off that sectional, so we used them for forts and such. There was a huge square black lamp on that corner table that looked like it was carved from lava. We also had a large console TV in there and we always put the christmas tree in there – displaced from the front room, where it had previously lived until the new addition.

This was also when we got a new, 7′ fake tree from Sears. It was my job to put it up every year, which I did until I left home in the 80s. When my mother decided she didn’t want that tree any more, I snatched it and now it is MY tree. This thing is at least 40 years old by now, and still looks awesome. And it’s still my job to put it up every year. :)

I remember riding our pedal tractors (got of pic of those, too, somewhere) in there before the carpet was laid – probably the first Christmas it was built (I’m thinking it was probably 70-71). I also remember being stung in the eye by some insect in there and being stung on the hand by another insect at a different time.

The most important thing I remember about the large console TV in that room is the day they reported Elvis was dead. It was summer (yes, Aug 16, 1977) and I was watching something on TV, when a crawl came across the bottom announcing that “Elvis Presley was found dead in his Memphis home, Graceland”. My mother was in the laundry room or the (now defunct) salon and I ran to tell her. She came out and we stood in front of that console TV and cried over Elvis.

My mother did hair until the mid 70s. She was having trouble with her eyes, so she went to the ophthalmologist and it was decided that the hairspray fumes were causing the trouble, so she closed the shop. Of course that wasn’t the problem, my mother has posterior uveitis, an inflammation of the uveal tract that causes the pupil to deform (hers looked like a crescent moon), blurred vision and floaters. Once it was more or less under control, she’d have occasional flare ups and I remember her steroid eyedrops in a little pink labeled bottle (I believe it was Pred Forte.) The disease caused her to have cataracts which she had removed a few years ago. As it turns out, my mother has had several auto immune diseases (ITP for one) and a current one that is ravaging her motor control and has ruined her mobility. Of course her sub par doctors have no idea what to do, so she takes Lyrica for the symptoms but they are not doing anything to stop the disease. Buuut, my healthcare rant can wait for another day.

I just wanted to write about the hair salon that I grew up in. This is why I know so much about hair. My mother taught me all about colour and stuff when I was kid. I’ll dig through the archives and see I can find some pix of the salon and Red Room.

Wow, 2014, you’re a douche!

I tell you, the end of ’13 and beginning of ’14 have been pretty stressful. I’m already pretty beat down and ready to just give up on EVER getting the fuck out of here – this house, this state and this RUT. Ugh.

AS you probably know, Nick’s 99 Ranger bit it about a week before Xmas. It was a shock, but I managed to find a replacement that same day. Bye bye $8700. That was about 2/3 of our savings. Then on the heels of that, the dishwasher decided it’d be great to start burning the insulation of its wires. Bye bye another $350. (I did get a Bosch dishwasher which is awesome.) And we’ve still got to get the plates for the new 05 Ranger, which will run probably around a grand. That would be $10,050 for those keeping score at home. We’ll get a little from the sale of the 99 Ranger, so let’s just say $9050 for fun.

Then we had a horrible New Year’s Eve/Day thanks to some very bad decisions made by the people hosting the party we attended. We are traumatized by that scene and it’s not really helping the rest of this shit. Dammit. Our stress was definitely cranked up by that shit.

Also around this time, we’ve been discussing our need for new digs. This place is too small for all the projects we’ve got going on, especially the arcade games. We’ve toyed with the idea of building onto this place, but what’s the point? The loan is tangled up and it’s about $47k under water. We’d previously looked into renting and not only is it pricey, but I didn’t find anything we’d be happy with. So, we decided perhaps it’s time to try to buy another house.

We’ve known that this house was in a grey area. It was “technically” discharged with the bankruptcy 2.5 years ago, but since we kept paying, Wells Fargo didn’t move on foreclosure or short sale. Now that we are wanting to make our move out of this house, our folly has come back to bite us on the ass. Although we don’t “technically” own this house, it’s still under our name since Wells didn’t foreclose. Which means as far as mortgage companies go, we are on the hook for the remaining $89k of this mortgage. See where I’m going? This albatross is preventing us from getting a loan for a new place. On top of that, if we do let it foreclose, then we’ll be banned from any mortgages for at least 3-4 MORE years. (Those of you in the know will notice that these rules are EXACTLY the same as they were before the “new regulations”. New MY ASS, the banks still run everything the same fucking way, to THIER benefit and no one else’s. AND they got TRILLIONS in free money from us, as well.) There is a chance we could do a short sale, but we’ve got to have somewhere to go! Conundrum.

There is a slim chance we may qualify for a(nother) mortgage loan since this house is the ONLY debt we have. But it’s slim and I don’t expect it to pan out. I’d like to know how all these other fucking people with shitty credit, tons of debt and 3 houses keep getting loans? If anyone knows a sketchy loan company, PLEASE let me know. I’m not afraid to go sketchy. The thing is, once we get another loan and get moved, Wells can do whatever they wish. We’ll be long gone and the foreclosure won’t matter since we’ve got another loan. BUT the banks, poor things, they don’t want that kind of “risk”. RIGHT. We’re pretty much fucked at this point. HARP is bullshit.

On top of all this awesomeness, Nick’s work may lose one of its two big clients. This is the client that has always been solid. The second client has always been wobbly and could go at any time, so this means that BOTH clients are now wobbly. Not good. If Nick loses his job, we are pure-T FUCKED. We have practically nothing in savings thanks to the above expenses.

So, yah, we’re stressed out. We both didn’t sleep well due to stress dreams last night and the night before. I am really tired and cranky. I’ve been foul for days. Foulapalooza continues. :(

And the cherry on top is: I’ve got company coming in next week. ::sob:: I hope I can hold it together. I know, between us, Nick and I will pull off the visit next week without a hitch, but it’s just all this CRAP that’s piled on top of us…

I don’t have any energy to give to anyone right now. We’ve got PROBLEMS. Potentially devastating problems if Nick’s job is in jeopardy. This is why we have begged off most social stuff. 2013 was a bastard and it seems that 2014 will be one as well. We are in survival mode, so don’t take it personally if we decline invitations. We are just trying to hold it together. We are not ones for panic, but we are very cautious right now. I’m thinking that Heroes Con may not happen for us this year. We need to save money like crazy. We always succumb to the siren call of Heroes, but I think we’ll need to be strong and skip this year. ::another sob::

We have a home, paid for cars and groceries in the fridge. It takes a lot of willpower to concentrate on THAT rather than the rest of this shit. When things get like this, I just need quiet. Lots and lots of quiet. Which is why having company will be extra hard for me.

We are grateful for what we have, despite the uncertainty of our situation. Hope springs eternal.