One of the few disappointments...weather wise of living in sunny sub-tropical FL is that you miss the seasons. I REALLY miss fall when the leaves put on their dazzling display of reds, oranges, and yellow finery. We used to hurry up to our little cabin in the mountains and spend a week or two poking around attending apple festivals and hiking in the Appalachian Mountains. By the way one of my ALL time fav books about this is "A Walk in the Woods" by the wonderful Bill Bryson about his funny and true trek through the Appalachians. It's worth a read if you like hiking and you like funny!
I loved it when Josh, his dad, and I would bail out of bed bright and early pick a hike from our trail maps with plenty of waterfalls and zoom off for a new family adventure. Just LOVED it!
There is NOTHING like being in the woods to assure you that all is right with the world and your little family.
The smells, the solitude, the amazing wild life and of course just the pure joy of family love and camaraderie. Those memories are absolutely priceless to me and I'd encourage you to take the fam and GET out THERE! The kids will remember these simple pleasures forever!
Soooo when fall finally rolls around in FL it triggers those happier simpler times and just makes me smile!
Of course it also reinforces how things were then financially and how things are NOW...that doesn't make me smile so much! When you have proper savings and proper income the world is a MUCH happier place...but the hubs and I just keep on truckin' happy that we still have each other and put our hopes and energies on the pleasures that we still enjoy. It's all okay...just a different type of okay..right?
I'm in a quandry over this modification packet to get back to our lawyers to submit to GMAC for one final hopeful look that they might work with us in adjusting our payment to a level that we can afford. When you are self employed you have to submit P&L statements.
It's really just the fickle finger of fate that decides if we can stay or if we have to go. Remember I've been through these modification packets FOUR times before....sadly to no avail. One time we were denied because we didn't show enough income, one time we were denied because we showed too MUCH income..and one time our payment WAS modified...but to a monthly payment that was actually HIGHER than the original one that we couldn't pay when the housing market crashed in the FIRST place!
And...here's the kicker..they were all with the same income and expenses submitted!
Like I say...the fickle finger of fate!
All I can hope for is a blooming miracle
they still DO occur now don't they?
If GMAC won't go along with the permanent modification it looks like the fat lady is certainly warming up to sing. The judges here in Lee County are so lender friendly it doesn't matter how BLATANT the fraud is against the homeowners and how COMPELLING the evidence is that is laid in their lap. The homeowner gets the boot!
If you can even believe this...the monies that were given to FL by the government in the mortgage settlement have not made their way to the homeowners...they have been used to rehire retired judges and reinstall the infamous 'rocket docket' that boots homeowners out on the street in 3 minutes or LESS. It's a travesty..but this is the great state of FL and the stinky governor that we have in place just wants this foreclosure debacle DONE!
Let's hope he never is in jeopardy of losing HIS house some day.
But...I'm resigned to whatever happens. I'll make the best of it as we always have, I won't LIKE having to move in fact it will tear my heart out to leave this place that we put our heart, soul and love in...but I won't let it destroy me.
I can't...I still have too much work left to accomplish in this lifetime!
But you can bet your bippy that I will take every avenue I possibly can to sue for a retrial and I will turn in these creepsters to the newly formed Consumer Protection Bureau that the congress is waiting with baited breathe to dismantle because they whine that it's too powerful against their wall street buddies! I just hope the timing works out and things move along in a fashion that benefits us.
Bogus documents, robo-signers, foreclosure mill lawyers, recording agencies that are only a 'front' all smack at the mafia tactics that used to be viewed as criminal.
Dress them up in a $2,000 bankers suit, add a $500 silk tie and they are considered proper business professionals...I say pull the fancy wrappings off and see them for what they are people...they are stinking robbing RATS.
That's my story and I'm stickin' to it!
The Josh man and his momma at the cabin in happier times.