Writing 101: Baby It’s Storming!

“Homes are a great investment.”

“And even if they don’t keep going up in value, I will at least be able to sell my home for what I paid for it with all the sweat equity and improvements.”

Those were the kinds of comments and thought behind the purchase of a home I made at the end of 2004, at what was to be the height of the mortgage movement, right before the meltdown.

After losing my job years ago, I have managed to hang on to this interest only ARM between other part-time jobs and unemployment.

I am now facing repayment of the principle in a home that been washed out in the eye of that mortgage storm.  It is now worth approximately half of what I now owe on both mortgages.  The mortgage “expert” did no money down because she could just mortgage this into my home payments, easy peasy my arse!

The new payments to come will be over $500. more a month and I can’t afford the current payments.  I have run out of all savings and almost all options at this time so I guess when it rains it really does “poor.”

What makes me angry is the fact that all this has happened through no fault of my own.  Since I purchased my home as a much older woman I as well as the banks knew that I would never be able to pay that home off in my lifetime since they had access to all my financial information.  I had planned on selling it a few years down the line for at least what I paid of it, no problem.  This was not to be since within a couple of years there was trouble in the mortgage industry and the value of my home was down about $10,000 or so.  I decided to try and keep it longer in hopes the value would soon rebound.  My bad!

I played by the rules, this was not what I wanted to happen but it has.  I think of a number of people I knew that deliberately walked away from their homes beside the fact that they still could afford the payments at the time.  Now they have everything so slanted to help the mortgage companies only and the hell with private citizens trying to survive.  This is killing me because I have an immaculate credit history and I am very anal retentive.  What makes me angry is they will harass and molest me and try to make me look like the bad guy, even though I have no choice or control in what has happened in my circumstances and they are the very ones that caused all these problems.

I have begun to get documentation together to sue my original mortgage company to at least take this predatory mortgage off my hands if I can do this pro-bono!  Wish me luck!

The Ability to See Beyond the End of One’s Nose

Should be a major job requirement before you are allowed to serve the public in any way.

Especially if you are the head of a major country.

Most of us are already aware of the gross incompetence and injustice that goes on every day in this country.  I am finally becoming very concerned about the future of the United States of America.

Well, the future of the citizens anyway.  The wealthy and the ones in charge of everything always make sure they get theirs no matter what.  Even when they run the country into the ground.

It’s not just that I have a higher than average IQ.  Not genius mind you, but I was told by my high school counselor that if I didn’t get into at least a four-year college, what a waste of my brains.  This being said, I have really tried to bury my head in the proverbial sands by becoming a workaholic and staying busy most of the time.

It’s pretty hard to ignore complete ignorance and stupidity.  Especially when this ignorance is causing complete havoc with most of the country.  I’m not saying that President Obama is deliberately trying to destroy the country and I’m not one of those “birthers.” I actually voted for him both times.  Look who was running against him and I certainly won’t vote for that sneaky Hillary and allow the Clintons to serve more than the two terms that Bill already served.

I am very concerned with what ObamaCare will end up doing to our economy, which is already in the toilet.  I am speaking about those that are losing their current coverage, having their premiums jacked up unreasonably, some like myself that lost their primary care physician or will lose them and those that will be fined for not being bullied into buying yet another product that they don’t need.   It’s bad enough that we all feel the need to own a vehicle because this government refuses to offer decent mass transit in all major cities.

Before this was the major mortgage meltdown that none of us have recovered from even though the banks were all bailed out.  I think my home is still only worth about half of what I paid for it nine years ago and since I can no longer afford the payments, instead of just being able to sell my home for what I paid for it I will be forced into a bankruptcy, foreclosure or downright abandonment of the property.  More about this on a later post.

Now I have been receiving emails from the White House harping on this current “raising the minimum wage” to $10.10.  They say ignorance is bliss so I have never been able to achieve what some call happiness.  I am too caring, conscientious and intelligent not to understand what is happening at this time.  I am also painfully able to forecast the end results of most this bad decision-making.  It is terrifying that the heads of this country are not able to critically think to figure out the possible worst case scenarios to all these bad decisions.

So many people are being placed on permanent part-time, under 30 hours a week so that their employers don’t have to provide health insurance, other small business owners are simply being put out of business.  Can you imagine how many employees are going to be jobless when even more employers will have to either lay some off or permanently close up shop?

Now this is either very bad decision-making on behalf of the White House or it’s being done on purpose.  If it’s being done on purpose then you have to ask why.  Is our government deliberately trying to cause civil unrest, which will come about with so many losing jobs, homes, etc. so they can finally declare martial law and completely take us over?  We can see they’ve been training all of our military and police forces accordingly for some reason.  I was going to say the only other reason is to make us worse off than the slaves were.  If we step out of line, we won’t be beaten but shot to death.  But this other scenario leads again to civil unrest.

This country was started for and by the people but instead America has been sold out from under the real Americans, the citizens.  The commie pinkos’ in charge have made deals with other countries that have caused so many job losses and a lower standard of living for so many of us.  Then they think they can pretend to put a band-aid on the mortal wound they inflicted by making impossible demands on the small business owners.  They allow the large corporations and big banks to employ people in other countries to work their customer service phone areas and most can’t even speak or understand English to be of much help.  It is frustrating and unfair to do this to the American public.  They out-source as many of our jobs to foreigners as they can get away with just short of making it obvious they are committing treason.

It’s not the info leakers that are against this country, it’s the American political leaders that are against the very idea of America and what it was supposed to be based on.  Freedom.  Most of us don’t even know what that is anymore.  Most are brain-washed from strictly controlled network programming and wouldn’t recognize an independent thought if they had one.  This is why they are so quick to push their very liberal and wrong idea of “one world” trade and commerce.  Only a very few at the top will ever benefit from their agreements.  The rest of us will live and die in servitude and poverty.

Make no mistake.  America has truly been overthrown from within and no one had to fire a shot.