Journal mcgrew's Journal: Just shoot me! 18
Take this message to my brother-
You will find him everywhere.
Wherever people live together,
Tied in poverty's despair.
Oh, you, tellin' me the things you gonna do for me
I ain't blind and I don't like what I think I see.
Takin it to the streets.
-the Doobie Brothers
Previously: The Return of Lucy Furr
"The foxes have holes, and the birds of the air have nests; but the Son of man hath not where to lay his head." - Some homeless guy, two thousand years or so ago
That alien is going to pay! That's right, you heard me - he's gonna pay.
Talk about getting your bowels in an uproar, it was more than a figure of speech yesterday. I was on the can all day long.
Two hundred bucks a month! That's what the alien's paying, and is what got me to agree to letting his wife Tami (AKA "Lucy Furr"), who calls him "My ex-husband" and "the asshole" stay at my house. And it gets worse - I really need the money. After paying the mortgage and bar tab, I'm broke.
The phone wouldn't stop ringing. Some calls were good calls - both my daughters called in the morning, one again in the afternoon. I called my mortgage company to make a payment over the phone, and they managed to tack a couple hundred bucks worth of fees on top of the already vastly inflated mortgage payment.
They're doing their damndest to take my house away. Thank God I just got a raise.
The mortgage companies are like the RIAA, in that their obsolete business model is running them out of business.
These theives' Modus Operandi is, they loan money to Joe Schmuck, who's paying rent and getting nothing but a dry place to stay for his rent money. His new mortgage payments are lower than his rent and the money is an investment rather than an expenditure.
Then a year later Thieving Rich Bastard Banker jacks Joe's interest rate up so high that not only is he paying way more than he was paying for rent, he can't afford his mortgage. Bastard Banker pockets what Joe's paid, takes his house, and sells it for twice what Joe paid for it.
Only they took too many houses away; the housing market is greatly overvalued and crashed, taking the financial industry and the nation's (maybe the world's) economies with it.
Tami called. And Linda called. And Tami called again. And a wrong number called.
"Can I go to your house and talk to Charlie about stuff?"
Sigh. "Ok, Linda, I guess."
RING
"Hi, It's Tami. Linda said you said it was OK for her to come over and talk to me and Charlie?"
"Yeah, but don't let her in the house!" I had a bad feeling about this...
About an hour before I got off work my youngest daughter, who's living in Cincinnati and whose bed I've been using (since she's not, and mine is hard and lumpy) called again.
"Is your bank National City?"
"No, Town and Country, why?"
"Is it at Ash and MacArthur?"
"Yeah. National City is across the street from Town and Country. Your mother and I haven't banked there since you were little; they really pissed us off. We made a deposit in the morning and couldn't get our money out in the afternoon, and we needed money for food for you kids. Your stupid mom almost went to jail over it. Why do you ask?"
"We just got a memo here at work, they're closing National City and if you don't get your money out by Friday you lose it!"
"Hmm, your money is insured by the FDIC, maybe commercial accounts aren't protected, I don't know. But anyway, I haven't banked there in a long time."
"Ok, I was just worried about you!"
When I got home, sure enough Linda was there. She spent the night, in the double bed with Tami while I slept in my absent daughter's room and Charlie on the couch.
The next day Linda's boyfriend and another guy showed up with their pickup trucks to move shit to my house. I had a talk with Linda.
"Now, are you just storing some stuff here, or are you planning to stay here? Because Tami's paying me two hundred bucks a month."
"I'll give you fifty a week."
I agreed. Later I talked to her boyfriend, who said he was the one who was paying the fifty per week for Linda. He's gray haired, around my age, works at a hospital and still lives with his mother. I think Linda's the first girlfriend he ever had. "But you'll have to wait 'til the second week when I get paid." Which will work out for me; I'll have Linda's two weeks' rent on the Friday before a three day weekend and I get paid the following Tuesday. Maybe I'll be able to go visit Mike and Jeff in St Louis.
But now I have three women staying with me. Two's company, three's a crowd, and four's a party!
The estrogen is overwhelming.
I'll never get laid!
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Refinance? (Score:2)
Can you not get refinanced at a sane (and fixed) interest rate?
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I don't know, I haven't been there since Pete Jongular pissed me off in 2005.
I have (or perhaps had) the singular distinction of being the only kurobot who ever got banned for crapflooding where all the "crap" got posted, 3 of 4 to the front page. Rusty told me that when he reinstated my account and apologized. I think Jongular was behind it, but anyway he made the place not worth logging in to.
I think CTS is still there, I've seen him post at /. recently.
Bar tabs (Score:1)
After paying the mortgage and bar tab, I'm broke.
Most of the time I do just fine money-wise, but any time I go up to visit some friends at university it makes me realize how much I save by rarely drinking. The money seems to disappear just as fast as the liquor.
But on the other hand, I have no mortgage to worry about either.
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Holy shit!
Most pitchers here in town are $6-$6.50. Felber's has the cheapest draft mugs, a buck for 12 oz. Most places in town are a buck fifty. I'd be willing to bet, though, that a pitcher at a Chicago bar would be closer to what you're paying then what I'm paying.
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Eat your heart out: here in Mexico City I get two-for-one draft mugs for aprox. $5.00USD
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Smart Guy (Score:2)
Then a year later Thieving Rich Bastard Banker jacks Joe's interest rate up so high that not only is he paying way more than he was paying for rent, he can't afford his mortgage.
You're a smart guy. How were you blindsided like some unsophisticated "underrepresented" borrower?
I'm sure you'll pull through, but when you finally are able to refinance, you will be presented with a Truth In Lending disclosure after you submit your application. I humbly suggest you read it this time around. Anything you don't understand, make your banker explain to you in writing. That's why they got paid the big bucks.
P.S. $200/mo from the alien! Score! Please, for your own sanity, allocate some o
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My credit was shot after my divorce; I'd bought Evil-X a brand new PT Cruiser two months before she left me. She'd been in charge of bills and hadn't been paying them. My van's transmission broke and it got reposessed, the house got foreclosed and I moved into an apartment and declared bankrupcy. As soon as I was in a position to move out of the apartment (a basement apartment. No shit) when my credit got good enough I jumped at the chance.
Another $50 per week from Linda's boyfriend, too. I may actually get
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As soon as I was in a position to move out of the apartment (a basement apartment. No shit) when my credit got good enough I jumped at the chance.
Maybe you can answer a question that's been nagging me throughout the entire mortgage crisis: You looked at your Truth In Lending. You understood your TIL. You saw the part where it tells you your initial payments, and you saw the part where it tells you what your payment would reset to today, given the underlying index. When you saw that big number that you knew was beyond what you could afford.... why did you sign on the dotted line?
I know, I know, the line is not dotted--it is, in fact, quite solid.
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