just a quick note while i have sis's laptop.
i'm aiming for a long weekend in nyc for my birthday! i know most of you are thinking, "what the heck?! she's broke! how is she pulling off a trip to nyc?" well, i got a really good deal on airfare and i'm hoping to crash with a friend/friends, if at all possible, so i won't need to pay for a hotel.
i'm still trying to get moved to nyc this fall. but i just cant wait! i'm going crazy here and i need to get outta this town for a bit. while in nyc, i'm gonna be scouting apartments and such. i've had a decent flow of prospective buyers looking at my house recently. i'm hoping something goes through with the banks and i can get out of this house sooner rather than later. as it stands, i'm looking at november 6th to be out of the house. unless something with a buyer comes through before then. wish me luck! either way, i'm going to be sooo relieved to be out of here and *finally* in nyc! this move has been over 2 years in the making! hoping! dreaming! wishing! praying! it can't happen soon enough for me!
i'm still aiming to get a job with the aspca once i get to nyc and gain my residency. you have to be a new york resident to be employed with the aspca. to get my foot in the door, a friend of mine is willing to hook me up at one of his restaurants just so i have a job right away when i get there. granted, i didnt want to go back to serving... but i know it will only be for a short time until i get the job at the animal hospital. and i dont want to hear, "what if you dont get the animal hospital job?" because i will. i have no doubt. this is what i want to do and what i have been trying to accomplish for years now. it will happen. with all the bad that has been in my life, i really feel i am due for some good!
so, i will be in nyc thursday august 12 - monday august 16. if you or someone you know is in the nyc area and has a place i could crash, please let me know. i wont be there much. just need a place to sleep, shower, and such.
also, i am looking to sell my jeep. i will be sad to part with the baby beast, but it is necessary. i'll post more info later. if you or someone you know is interested in a 1994 jeep grand cherokee laredo that needs a bit of work... let me know.
i hope all is well with you and yours.
much love.
be well.
~angela
27 July 2010
20 July 2010
angela update
whew! it has been a while since my last post! my apologies.
i still dont have home interwebbies hooked back up just yet. it is a luxury i just cant afford right now. today i have my sister's laptop for a few hours. for frequent and real-time updates, you can follow me on facebook and/or twitter.
so, i got a part-time job at jimi jo's ice cream shoppe. i only work a couple days a week. nothing major. but it helps with my utility bills. and i think it is also helping with physical therapy for my arms/wrists/hands. i really want to start playing my guitar. my friend ryan came over and showed me how to change the strings and such. i've just had a lot of randomness going on and havent been able to fully focus on guitar just yet.
what else?
uuummm...
im still trying to get this house sold. it is the only thing keeping me from moving to nyc at this point. foreclosure is november 6th. if i can sell it before then, that would be a huge relief... because if it doesnt sell and it goes into foreclosure, i'll have to file bankruptcy, and that will suck since my only debt is this damn house and some medical bills. i am 33 years old and have never had a credit card. i have tried to keep my credit as clean as i can. had a few people look at the house yesterday. and someone came by this morning (unscheduled) just looking around outside. i think they didnt know that someone is living here.
baby beast (jeep) is still in a coma. she needs a replaced fuel tank/pump/filter/gauge. but i dont have the money right now, so she is just sitting at ma and pa's house. i feel terrible that she is taking up space in their yard. but my friend that was towing her said he couldnt make the cut/turn with his flatbed to get her in my driveway. i really hate to give her up. i love that jeep. but at this point, with last year's accident (the deer that ran out in front of me) she was considered totaled and has a salvage title. and with all the money i have put into fixing her, i coulda bought something else. however... with all the work that has been done, she shouldnt have much else that can go wrong (knock on wood) so it would be silly of me to fix her all up and sell her for less. ya know? any suggestions are welcome! she is a 1994 jeep grand cherokee laredo.
KaiYin needs another surgery. she had a lump that showed up last year and i havent had the money to get it removed. it is the same place as all the other lumps that she has had removed (left hind quarter/ribcage area). they say that mast cell tumors usually recur in the same area. well, like i said, i havent had the money for her surgery ($2500) then when she heals from surgery they can do chemo/radiation ($3000) and then they said she should be fine for another 5-6 years. which, i hate to say, is probably all she has left. she is 10 years and 6 months now. but if i can make the last years of her life as happy and painless as possible, i will. you know i will. --side note-- chemo/radiation for dogs is not the same as humans. dogs do not get sick or lose hair. she would go in once a week for 4 weeks for pill/injections. then she would go in every other week for 12 weeks. then she should be done! the cancer should be all gone and not recur!
i am going this afternoon to talk to a financial adviser about the stocks i had with my previous employer. we didnt have "normal" 401k... we had stocks. so im gonna find out about diversifying and possibly taking money out from what i have in there for KaiYin's surgery. i was told that as long as i keep the money in stocks, the foreclosure bank cant touch it because it is considered retirement. im not sure if they will really care about $2500, but i cant sit by and watch my KaiYin get sick and possibly die. if they want to come after me for that, let them. i have the money there in stocks, and i'm not going to let some stupid fucking money-grubbers keep my KaiYin from getting the treatment she needs. if they may eventually foreclose on the house and come after me for $73,000... well, whats another $2,500... right?! i did all i could to make arrangements to save the house... and my real estate guy and i have done all we can to sell the house... but the bank has turned down every offer we have had from buyers. i dont know what they are up to, or why, but im tired of not having some kind of control in my life. the only reason im still here, and not in nyc yet, is because they said if i move before the house sells or forecloses, that it would be considered abandonment and they could sue me for the full amount of the house. so i am sitting here, in this empty house, all my stuff packed and in storage and ready to go to nyc!
blah blah blah... i could rant about this for hours! i wont bore you all with that.
so, i hope all is well with you and yours.
please keep me updated on yourselves as well!
much love.
be well.
~angela
i still dont have home interwebbies hooked back up just yet. it is a luxury i just cant afford right now. today i have my sister's laptop for a few hours. for frequent and real-time updates, you can follow me on facebook and/or twitter.
so, i got a part-time job at jimi jo's ice cream shoppe. i only work a couple days a week. nothing major. but it helps with my utility bills. and i think it is also helping with physical therapy for my arms/wrists/hands. i really want to start playing my guitar. my friend ryan came over and showed me how to change the strings and such. i've just had a lot of randomness going on and havent been able to fully focus on guitar just yet.
what else?
uuummm...
im still trying to get this house sold. it is the only thing keeping me from moving to nyc at this point. foreclosure is november 6th. if i can sell it before then, that would be a huge relief... because if it doesnt sell and it goes into foreclosure, i'll have to file bankruptcy, and that will suck since my only debt is this damn house and some medical bills. i am 33 years old and have never had a credit card. i have tried to keep my credit as clean as i can. had a few people look at the house yesterday. and someone came by this morning (unscheduled) just looking around outside. i think they didnt know that someone is living here.
baby beast (jeep) is still in a coma. she needs a replaced fuel tank/pump/filter/gauge. but i dont have the money right now, so she is just sitting at ma and pa's house. i feel terrible that she is taking up space in their yard. but my friend that was towing her said he couldnt make the cut/turn with his flatbed to get her in my driveway. i really hate to give her up. i love that jeep. but at this point, with last year's accident (the deer that ran out in front of me) she was considered totaled and has a salvage title. and with all the money i have put into fixing her, i coulda bought something else. however... with all the work that has been done, she shouldnt have much else that can go wrong (knock on wood) so it would be silly of me to fix her all up and sell her for less. ya know? any suggestions are welcome! she is a 1994 jeep grand cherokee laredo.
KaiYin needs another surgery. she had a lump that showed up last year and i havent had the money to get it removed. it is the same place as all the other lumps that she has had removed (left hind quarter/ribcage area). they say that mast cell tumors usually recur in the same area. well, like i said, i havent had the money for her surgery ($2500) then when she heals from surgery they can do chemo/radiation ($3000) and then they said she should be fine for another 5-6 years. which, i hate to say, is probably all she has left. she is 10 years and 6 months now. but if i can make the last years of her life as happy and painless as possible, i will. you know i will. --side note-- chemo/radiation for dogs is not the same as humans. dogs do not get sick or lose hair. she would go in once a week for 4 weeks for pill/injections. then she would go in every other week for 12 weeks. then she should be done! the cancer should be all gone and not recur!
i am going this afternoon to talk to a financial adviser about the stocks i had with my previous employer. we didnt have "normal" 401k... we had stocks. so im gonna find out about diversifying and possibly taking money out from what i have in there for KaiYin's surgery. i was told that as long as i keep the money in stocks, the foreclosure bank cant touch it because it is considered retirement. im not sure if they will really care about $2500, but i cant sit by and watch my KaiYin get sick and possibly die. if they want to come after me for that, let them. i have the money there in stocks, and i'm not going to let some stupid fucking money-grubbers keep my KaiYin from getting the treatment she needs. if they may eventually foreclose on the house and come after me for $73,000... well, whats another $2,500... right?! i did all i could to make arrangements to save the house... and my real estate guy and i have done all we can to sell the house... but the bank has turned down every offer we have had from buyers. i dont know what they are up to, or why, but im tired of not having some kind of control in my life. the only reason im still here, and not in nyc yet, is because they said if i move before the house sells or forecloses, that it would be considered abandonment and they could sue me for the full amount of the house. so i am sitting here, in this empty house, all my stuff packed and in storage and ready to go to nyc!
blah blah blah... i could rant about this for hours! i wont bore you all with that.
so, i hope all is well with you and yours.
please keep me updated on yourselves as well!
much love.
be well.
~angela
04 June 2010
quick note from angela...
hey there punks and kittens~~
just wanted to let you know that my phone is scheduled to be temporarily disconnected today. i just cant afford it. so, i officially have no phone, internet, teevee --- or job! if you happen to know anyone hiring part time, full time, summer help, whatever, please let me know! greatly appreciate it! i will try to get to the library to check my messages... but my jeep is still broke down, so i'm walking or hitching rides (which are hard to come by).
fyi: a friend is letting me have a garage sale at their place during the lake templene lake-wide sales next week. i'll be in hickory hills subdivision (where i grew up!) at the house that sells the hand-made cambodian egg rolls every year!
saturday june 12 8a - whenever!
much love.
be well.
~angela
just wanted to let you know that my phone is scheduled to be temporarily disconnected today. i just cant afford it. so, i officially have no phone, internet, teevee --- or job! if you happen to know anyone hiring part time, full time, summer help, whatever, please let me know! greatly appreciate it! i will try to get to the library to check my messages... but my jeep is still broke down, so i'm walking or hitching rides (which are hard to come by).
fyi: a friend is letting me have a garage sale at their place during the lake templene lake-wide sales next week. i'll be in hickory hills subdivision (where i grew up!) at the house that sells the hand-made cambodian egg rolls every year!
saturday june 12 8a - whenever!
much love.
be well.
~angela
19 May 2010
angela update #328,497
monday i went to see a financial adviser about the stocks that i have sitting with my recently-separated employer. i was hoping to use that money to pay back some personal debts i've acquired while on unpaid medical leave, and for my move to nyc. however, i also wanted to make sure all the taxes were taken care of on that money (so i wouldnt get hit later), and i wanted to find out if the bank had authorization/access to garnish any of it due to my foreclosure. i found out that, yes, the taxes can be taken care of up front if i take a cash distribution. adviser also explained to me some investment options if i dont want to take a full cash distribution (which i dont). most of my questions about the foreclosure she wasnt sure about. but i had my appointment scheduled with the lawyer for tuesday, so i would just ask him.
tuesday, yesterday, i went to see the bankruptcy lawyer. i was there for over an hour. he was a very nice gentleman and explained everything very well. i was wanting to know why i have been suggested to file bankruptcy by so many people. i didnt know why, if i give the house back to the bank, why would i still owe them and have to file bankruptcy? back in high school when i worked for a car repo place i dont remember it being that way. we would show up on behalf of the bank and ask for the money or the vehicle. not both. anywhom. the lawyer said that it would be the bank's decision if i still owed them for the mortgage even after they would take the house. courts and lawyers have all been telling me that i have 6 months in the house - payment free - before they can legally evict me. so, until november 6, 2010. they all say that i should stay in the house as long as possible. i dont want to be here at all. while this isnt the way i had hoped to be out of this house, i keep trying to make something, anything, work. my realtor is still trying to get this house sold. he is still bringing in walk-throughs and hounding my bank guy to allow a short sale. the bank is just not being cooperative at all. i understand that i am not the only person that is going through foreclosure right now. i just dont understand why banks have to make it so difficult to redeem yourself. well, actually, i do know - money. plain and simple.
back to what i was saying. lawyer said that if i can get the house sold, that is the most ideal solution. i agree. however, if i dont get the house sold, and i turn it over to the bank, it is their decision if they want to come after me for the remaining mortgage. if they do, then since i obviously dont have $73,000 in my pocket, chapter 7 bankruptcy would be my best option. this all being discussed on the premise that i dont have a job right now. but i cant live this way. it was also explained to me that if i go out and get a better-than-decent paying job right now, if the time comes to file bankruptcy and i make more than is deemed low-income on their sliding scale then i would not be "allowed" to file chapter 7, i would have to file chapter 13. i'm told that a chapter 7 wipes your slate clean and a chapter 13 requires you to work with a budget and payment arrangements with your creditors.
oh yeah... and the thing with my stocks. while my stocks sit and i dont touch them they are considered retirement so the banks cant take anything. if i cash anything and the banks find out about them then they could be garnished. twisty twist - if i cash them out and repay my family for money i have borrowed, that is considered "preferred treatment". if i file bankruptcy within 1 year of repaying any family IOUs, then each family member will be sued for the money that i repaid to them. i am told that this is very common and not to take it lightly. that you and your family are asked under oath and bank records and everything are investigated. this is fucking ridiculous to me! completely ridiculous! seems like no matter how hard i try to make even the little things work, something spins out of control to ruin it.
so, i need this house to sell asap. then i settle up with the bank (even if it means i have to file bankruptcy for the balance of what the house doesnt sell for)... then take off to nyc.
or, as it stands now, i need to get a job that is just enough to pay for my utilities and such, until the house sells or my 6 months is up (whichever comes first). then, if it is determined that i need to file bankruptcy, i get all that taken care of as quickly as possible... then i'm off to nyc!
there are probably other tiny details in there that i am forgetting right now. feel free to ask me whatever you want to know. i was thinking about maybe taking on a housemate to help pay for things, but the lawyer said there are some technicalities with that as well. another option that the lawyer kinda shot down was if i just moved to nyc now, find someone to take care of lawn care, realtor keeps trying to sell the house, and i come back for either sale or foreclosure finalization. but lawyer said that if the bank wanted, they could deem that as "abandonment" and then i would look like i am trying to trick the system. i am not trying to trick the system. i told him that it is quite the opposite. i am asking about all of these scenarios because i *dont* want to get in trouble. i want to know what is and is not legal. for instance, i had no friggen clue that my family could be sued because i paid them back a personal loan. that is outrageous! who comes up with this shit?! so yeah, once i heard that, i started asking all kinds of "what if" questions.
like i said, the lawyer and i talked for over an hour. i wont detail everything here. but if you have questions, i'll certainly answer them if i can.
i know that a bunch of people think i am a negative thinker. that i am always a downer. if you are one of those people, i wish you knew me better. i am not a negative thinker. i am realistic. i know how hard i try and have tried. because i allow myself time to cry and feel and be depressed, doesnt mean i am a negative thinker. i realize that my problems are not as great as some other peoples' problems. but that doesnt, cant, discount how i feel or what i am going through. my stress and struggle and feelings are legitimate. some people would just give up on their dream and say, "fine, guess i'm never getting out of this town, i'll just stay here and settle." not me! i want to be in nyc. i want to work for the aspca and help save all the animals i can. i want to know that i didnt give up when so many people and situations tried to hold me back. i want to know that i did not compromise who i am.
whew. yeah, so. i suppose that is all for now.
i miss you all!
love you oodles and bunches!
be well.
~angela
tuesday, yesterday, i went to see the bankruptcy lawyer. i was there for over an hour. he was a very nice gentleman and explained everything very well. i was wanting to know why i have been suggested to file bankruptcy by so many people. i didnt know why, if i give the house back to the bank, why would i still owe them and have to file bankruptcy? back in high school when i worked for a car repo place i dont remember it being that way. we would show up on behalf of the bank and ask for the money or the vehicle. not both. anywhom. the lawyer said that it would be the bank's decision if i still owed them for the mortgage even after they would take the house. courts and lawyers have all been telling me that i have 6 months in the house - payment free - before they can legally evict me. so, until november 6, 2010. they all say that i should stay in the house as long as possible. i dont want to be here at all. while this isnt the way i had hoped to be out of this house, i keep trying to make something, anything, work. my realtor is still trying to get this house sold. he is still bringing in walk-throughs and hounding my bank guy to allow a short sale. the bank is just not being cooperative at all. i understand that i am not the only person that is going through foreclosure right now. i just dont understand why banks have to make it so difficult to redeem yourself. well, actually, i do know - money. plain and simple.
back to what i was saying. lawyer said that if i can get the house sold, that is the most ideal solution. i agree. however, if i dont get the house sold, and i turn it over to the bank, it is their decision if they want to come after me for the remaining mortgage. if they do, then since i obviously dont have $73,000 in my pocket, chapter 7 bankruptcy would be my best option. this all being discussed on the premise that i dont have a job right now. but i cant live this way. it was also explained to me that if i go out and get a better-than-decent paying job right now, if the time comes to file bankruptcy and i make more than is deemed low-income on their sliding scale then i would not be "allowed" to file chapter 7, i would have to file chapter 13. i'm told that a chapter 7 wipes your slate clean and a chapter 13 requires you to work with a budget and payment arrangements with your creditors.
oh yeah... and the thing with my stocks. while my stocks sit and i dont touch them they are considered retirement so the banks cant take anything. if i cash anything and the banks find out about them then they could be garnished. twisty twist - if i cash them out and repay my family for money i have borrowed, that is considered "preferred treatment". if i file bankruptcy within 1 year of repaying any family IOUs, then each family member will be sued for the money that i repaid to them. i am told that this is very common and not to take it lightly. that you and your family are asked under oath and bank records and everything are investigated. this is fucking ridiculous to me! completely ridiculous! seems like no matter how hard i try to make even the little things work, something spins out of control to ruin it.
so, i need this house to sell asap. then i settle up with the bank (even if it means i have to file bankruptcy for the balance of what the house doesnt sell for)... then take off to nyc.
or, as it stands now, i need to get a job that is just enough to pay for my utilities and such, until the house sells or my 6 months is up (whichever comes first). then, if it is determined that i need to file bankruptcy, i get all that taken care of as quickly as possible... then i'm off to nyc!
there are probably other tiny details in there that i am forgetting right now. feel free to ask me whatever you want to know. i was thinking about maybe taking on a housemate to help pay for things, but the lawyer said there are some technicalities with that as well. another option that the lawyer kinda shot down was if i just moved to nyc now, find someone to take care of lawn care, realtor keeps trying to sell the house, and i come back for either sale or foreclosure finalization. but lawyer said that if the bank wanted, they could deem that as "abandonment" and then i would look like i am trying to trick the system. i am not trying to trick the system. i told him that it is quite the opposite. i am asking about all of these scenarios because i *dont* want to get in trouble. i want to know what is and is not legal. for instance, i had no friggen clue that my family could be sued because i paid them back a personal loan. that is outrageous! who comes up with this shit?! so yeah, once i heard that, i started asking all kinds of "what if" questions.
like i said, the lawyer and i talked for over an hour. i wont detail everything here. but if you have questions, i'll certainly answer them if i can.
i know that a bunch of people think i am a negative thinker. that i am always a downer. if you are one of those people, i wish you knew me better. i am not a negative thinker. i am realistic. i know how hard i try and have tried. because i allow myself time to cry and feel and be depressed, doesnt mean i am a negative thinker. i realize that my problems are not as great as some other peoples' problems. but that doesnt, cant, discount how i feel or what i am going through. my stress and struggle and feelings are legitimate. some people would just give up on their dream and say, "fine, guess i'm never getting out of this town, i'll just stay here and settle." not me! i want to be in nyc. i want to work for the aspca and help save all the animals i can. i want to know that i didnt give up when so many people and situations tried to hold me back. i want to know that i did not compromise who i am.
whew. yeah, so. i suppose that is all for now.
i miss you all!
love you oodles and bunches!
be well.
~angela
14 May 2010
angela update...
hello my darlings.
i know it has been a while since my last update. there has just been sooo much going on, and without home interwebbies, full updates have been a bother to accomplish. however, i would like to say thanks to all of you that follow my facebook (http://tinyurl.com/angela-fb) and twitter (http://twitter.com/imaginebttrfly) for my mini-updates. especially thanks for all of your care, concern, and support! i love you all so very much!
i'm not sure how far back my last update was.
many of you know that i have been on medical leave for a year and the past 7 months of it has been UNpaid. blah blah blah. you know all that. well, as of sunday april 25th i was "separated" from the company i worked for (for 7 years!). this does not make me happy. i really feel like they kept wasting my time with paperwork and jumping through hoops until my medical leave time ran out. anywhom. so, i am now unemployed. sort of. my "employer" still has not updated my (un)employed status. therefore i am not able to take money out of my stocks (which i desperately need) and i am not eligible to file for unemployment. if they do not list me as inactive soon, then my grace period to file for unemployment will expire and i wont get any assistance. this is really pissing me off. while i have never been on unemployment and i never want to be, right now i dont have a choice, and they are screwing me over. again.
thursday may 6th was the day my house foreclosure started. ugh. i am not at all happy about this. i realize that i have done everything i could/can to save it, but i am still upset about this. i am $4,100 behind in house payments. i have the money in my stocks, but like i said, i cant get access to them right now. so i went to the foreclosure auction. no one showed up to buy it. i didnt figure anyone would. i still owe $73,000 on the house. most people buy the $10,000 houses and fix em up and sell em. that is not the case with mine. so... i am told the house will go back to the bank and that i will have 6 months to live there, payment free, before they can legally kick me out. while i dont want to be here until november, i am glad to know i have the time if i need it. i asked the lady at the courthouse about saving the house. i asked if i come up with the $4100 who do i call to pay it and keep the house? she said under NO circumstance should i give them ANY money. she said that to save the house at this point i would need the full $73,000!!! what the huh?! she said if i give them $4000 they will just stick it in their pocket and say, "okay, now you owe us $69,000 more". she said that i should talk with a bankruptcy lawyer. i have an appointment with him this coming tuesday. i dont understand why, if the bank takes the house, why do i still have to pay for the house? isnt that like a repo? give them the money OR the house? makes no sense to me. i'll get some answers next week, i suppose.
as i was getting out of the courthouse, i got a call from my real estate guy. he said there was an offer on the house. yay! so i was hoping if the offer was good enough, the bank would take the offer as a short sale and hopefully write-off the balance and i would be free and clear of the house! i was sooo hoping that would work. my real estate guy and i have been hounding my bank guy because he has been super beyond lazy with my house stuff. this never should have went to foreclosure. yet another piece of my life that is in ruins because of some incompetent ass that cant or wont do his job.
thursday evening my doorbell rang. no one rings my doorbell. 1) they know the dogs go crazy 2) most people know i dont like unannounced house guests, so they call in advance and i watch for them so the dogs dont go crazy at the doorbell! so... my doorbell rang. it was mr curnow. he lives kinda across the road from me. he has been a wonderful friend and neighbor. he brought me flowers! he said that he and his wife knew i probably had a rough day at the courthouse and would i like to go to dairy queen for an ice cream? of course! we sat there about 2 hours and talked and talked! it was a nice ending to a miserable day.
well, i got a note from my real estate guy that said this... “The buyer failed to qualify and as an added bonus, we were informed that she stole the earnest deposit and is now in trouble with her probation officer.....Lovely. “
yeah, "lovely" is right! for serious kids, i couldnt make this shit up if i tried!
thursday night the wilsons came to get stella for an overnight stay. they wanted to see how she would get along with their other lab and 2 cats. apparently they got along wonderfully because they asked to keep her the weekend to see how she would do with the grandkids.
friday morning i took my dad to the airport. i got back in town and really had stuff to accomplish. but i was sick and in miserable pain and just crashed. i managed to make myself presentable enough to go to my sis's first show for her new job. she is now a lia sophia jewelry sales person. i dont know what her title is to be honest. anywhom. i made it to her first show. then i went home and crashed again.
saturday i was absolutely in agony, but had to go get dogfood. doesnt sound like a big deal, but since KaiYin is on a special diet, i have to drive an hour to get the food. and it was storming. fabulous. so i did that. came home and crashed again.
ma called me about 9p and said that she really wanted to make it to virginia to see my aunt while she is still here. she has been extremely ill with cancer and pneumonia and was sent home saturday with hospice. ma and i scrambled to figure it all out... and ended up leaving about 130a driving from michigan to virginia. we got there sunday just after noon. we hadnt seen aunt nancy in about 18 years but she remembered us! while her body is giving out, her smile and heart and spirit have been hanging on! along with her wonderful sense of humor! she is absolutely precious. ma and i spent sunday and monday there. only left one time to get them some groceries. words cant explain how happy my heart was to be able to see everyone after all these years. technically they are my "great" aunts and uncles and 2nd cousins... but we never differentiated. we are family. that is all that mattered. and i am happy to have been there for them, even if it was only 2 days.
tuesday morning ma and i left to come back to michigan. we got back tuesday evening. literally as we were walking in the door at ma's house, my (step)dad was on the phone finding out that grandpa was being taken by ambulance to bronson hospital but they didnt know why. found out later that they thought he had a heart attack. (-fyi: we all call my stepdad's grandparents our grandparents) so, grandpa gets to the hospital and they run tests. they say yes he did have a heart attack and they ran more tests to decide about stints. well, the scans came back that yes he needs stints, but they would not be able to give him the necessary stint surgery because they found he has pancreatic cancer. now... grandpa has been going to the va hospital over the last few months and they kept telling him it was nothing, he is fine. now that he is at a "real" hospital, we are told he has pancreatic cancer and it has been there for a while. this is ridiculous! i dont understand how people can do this to each other! how can they know something like that and not tell him?! we are all human! we should be looking out for each other. helping each other as much as we can. i just dont understand. so, grandpa is 88 and grandma is 91. she has been staying at the hospital with him, and my ma and g'ma's daughters have been taking her back and forth home when needed. we still dont know anything more right now.
tuesday night was full of some very emotional family stuff that i wont be sharing online. all i can say is i cried myself to sleep with a banged up heart.
wednesday i dragged myself out of bed to get some groceries. as i pulled in at the grocery store, i smelled something funny, but thought it might be the van in front of me. when i parked and got out of the jeep the smell was crazy strong and i thought it was antifreeze so i popped the hood. didnt need to. once i walked around to the front of the beast i could see radiator fluid just flooding out. ugh. really?! so i called my handy-dandy maintenance guy, joe.
me: hey there. are you buys?
joe: sound like i'm about to be!
he came over and looked at it. said the radiator blew up and there was no way i could even drive it back to my house. lucky for me, he just got a flatbed trailer, so he said he would come back over and pick up the jeep and take it to his shop. he took me back to my place to get my father's car (i have his car since i dropped him off at the airport) then i went back to get groceries. oh joy.
KaiYin and i were up all night, sick and throwing up. i cant say it was anything we both ate, since i didnt eat dogfood and she didnt eat people food... but who knows. thunderstorms didnt help. Loki freaks freaks out so that was an added obsticle trying to sleep around/through/with.
thursday... yesterday... more family emotional stuff.
mr wilson called and said that they want to keep stella! they said that i can come visit her anytime i want! sounds like she is doing really well... i'm super happy for her!
friday... today... errands and laundry. made some appointments for next week with lawyers and financial advisors. fingers crossed.
joe called and said he can replace the radiator all parts and labor = $200. i dont have that. so he's gonna let me park the baby beast at his place until i can come up with the money.
now i am going to post this, then go over to ma's and watch a movie with her. not sure what movie she got.
after that, i have to drive (1 hr 1 way) to fort wayne airport to pick up my father getting back from florida/virginia. then i'm gonna get back and crash with my dogters!
thanks to all of you for your kindness, love, support, care, concerns... everything!
i love you all oodles and bunches!
much love.
be well.
~angela
no time to proof-read... gotta run!
i know it has been a while since my last update. there has just been sooo much going on, and without home interwebbies, full updates have been a bother to accomplish. however, i would like to say thanks to all of you that follow my facebook (http://tinyurl.com/angela-fb) and twitter (http://twitter.com/imaginebttrfly) for my mini-updates. especially thanks for all of your care, concern, and support! i love you all so very much!
i'm not sure how far back my last update was.
many of you know that i have been on medical leave for a year and the past 7 months of it has been UNpaid. blah blah blah. you know all that. well, as of sunday april 25th i was "separated" from the company i worked for (for 7 years!). this does not make me happy. i really feel like they kept wasting my time with paperwork and jumping through hoops until my medical leave time ran out. anywhom. so, i am now unemployed. sort of. my "employer" still has not updated my (un)employed status. therefore i am not able to take money out of my stocks (which i desperately need) and i am not eligible to file for unemployment. if they do not list me as inactive soon, then my grace period to file for unemployment will expire and i wont get any assistance. this is really pissing me off. while i have never been on unemployment and i never want to be, right now i dont have a choice, and they are screwing me over. again.
thursday may 6th was the day my house foreclosure started. ugh. i am not at all happy about this. i realize that i have done everything i could/can to save it, but i am still upset about this. i am $4,100 behind in house payments. i have the money in my stocks, but like i said, i cant get access to them right now. so i went to the foreclosure auction. no one showed up to buy it. i didnt figure anyone would. i still owe $73,000 on the house. most people buy the $10,000 houses and fix em up and sell em. that is not the case with mine. so... i am told the house will go back to the bank and that i will have 6 months to live there, payment free, before they can legally kick me out. while i dont want to be here until november, i am glad to know i have the time if i need it. i asked the lady at the courthouse about saving the house. i asked if i come up with the $4100 who do i call to pay it and keep the house? she said under NO circumstance should i give them ANY money. she said that to save the house at this point i would need the full $73,000!!! what the huh?! she said if i give them $4000 they will just stick it in their pocket and say, "okay, now you owe us $69,000 more". she said that i should talk with a bankruptcy lawyer. i have an appointment with him this coming tuesday. i dont understand why, if the bank takes the house, why do i still have to pay for the house? isnt that like a repo? give them the money OR the house? makes no sense to me. i'll get some answers next week, i suppose.
as i was getting out of the courthouse, i got a call from my real estate guy. he said there was an offer on the house. yay! so i was hoping if the offer was good enough, the bank would take the offer as a short sale and hopefully write-off the balance and i would be free and clear of the house! i was sooo hoping that would work. my real estate guy and i have been hounding my bank guy because he has been super beyond lazy with my house stuff. this never should have went to foreclosure. yet another piece of my life that is in ruins because of some incompetent ass that cant or wont do his job.
thursday evening my doorbell rang. no one rings my doorbell. 1) they know the dogs go crazy 2) most people know i dont like unannounced house guests, so they call in advance and i watch for them so the dogs dont go crazy at the doorbell! so... my doorbell rang. it was mr curnow. he lives kinda across the road from me. he has been a wonderful friend and neighbor. he brought me flowers! he said that he and his wife knew i probably had a rough day at the courthouse and would i like to go to dairy queen for an ice cream? of course! we sat there about 2 hours and talked and talked! it was a nice ending to a miserable day.
well, i got a note from my real estate guy that said this... “The buyer failed to qualify and as an added bonus, we were informed that she stole the earnest deposit and is now in trouble with her probation officer.....Lovely. “
yeah, "lovely" is right! for serious kids, i couldnt make this shit up if i tried!
thursday night the wilsons came to get stella for an overnight stay. they wanted to see how she would get along with their other lab and 2 cats. apparently they got along wonderfully because they asked to keep her the weekend to see how she would do with the grandkids.
friday morning i took my dad to the airport. i got back in town and really had stuff to accomplish. but i was sick and in miserable pain and just crashed. i managed to make myself presentable enough to go to my sis's first show for her new job. she is now a lia sophia jewelry sales person. i dont know what her title is to be honest. anywhom. i made it to her first show. then i went home and crashed again.
saturday i was absolutely in agony, but had to go get dogfood. doesnt sound like a big deal, but since KaiYin is on a special diet, i have to drive an hour to get the food. and it was storming. fabulous. so i did that. came home and crashed again.
ma called me about 9p and said that she really wanted to make it to virginia to see my aunt while she is still here. she has been extremely ill with cancer and pneumonia and was sent home saturday with hospice. ma and i scrambled to figure it all out... and ended up leaving about 130a driving from michigan to virginia. we got there sunday just after noon. we hadnt seen aunt nancy in about 18 years but she remembered us! while her body is giving out, her smile and heart and spirit have been hanging on! along with her wonderful sense of humor! she is absolutely precious. ma and i spent sunday and monday there. only left one time to get them some groceries. words cant explain how happy my heart was to be able to see everyone after all these years. technically they are my "great" aunts and uncles and 2nd cousins... but we never differentiated. we are family. that is all that mattered. and i am happy to have been there for them, even if it was only 2 days.
tuesday morning ma and i left to come back to michigan. we got back tuesday evening. literally as we were walking in the door at ma's house, my (step)dad was on the phone finding out that grandpa was being taken by ambulance to bronson hospital but they didnt know why. found out later that they thought he had a heart attack. (-fyi: we all call my stepdad's grandparents our grandparents) so, grandpa gets to the hospital and they run tests. they say yes he did have a heart attack and they ran more tests to decide about stints. well, the scans came back that yes he needs stints, but they would not be able to give him the necessary stint surgery because they found he has pancreatic cancer. now... grandpa has been going to the va hospital over the last few months and they kept telling him it was nothing, he is fine. now that he is at a "real" hospital, we are told he has pancreatic cancer and it has been there for a while. this is ridiculous! i dont understand how people can do this to each other! how can they know something like that and not tell him?! we are all human! we should be looking out for each other. helping each other as much as we can. i just dont understand. so, grandpa is 88 and grandma is 91. she has been staying at the hospital with him, and my ma and g'ma's daughters have been taking her back and forth home when needed. we still dont know anything more right now.
tuesday night was full of some very emotional family stuff that i wont be sharing online. all i can say is i cried myself to sleep with a banged up heart.
wednesday i dragged myself out of bed to get some groceries. as i pulled in at the grocery store, i smelled something funny, but thought it might be the van in front of me. when i parked and got out of the jeep the smell was crazy strong and i thought it was antifreeze so i popped the hood. didnt need to. once i walked around to the front of the beast i could see radiator fluid just flooding out. ugh. really?! so i called my handy-dandy maintenance guy, joe.
me: hey there. are you buys?
joe: sound like i'm about to be!
he came over and looked at it. said the radiator blew up and there was no way i could even drive it back to my house. lucky for me, he just got a flatbed trailer, so he said he would come back over and pick up the jeep and take it to his shop. he took me back to my place to get my father's car (i have his car since i dropped him off at the airport) then i went back to get groceries. oh joy.
KaiYin and i were up all night, sick and throwing up. i cant say it was anything we both ate, since i didnt eat dogfood and she didnt eat people food... but who knows. thunderstorms didnt help. Loki freaks freaks out so that was an added obsticle trying to sleep around/through/with.
thursday... yesterday... more family emotional stuff.
mr wilson called and said that they want to keep stella! they said that i can come visit her anytime i want! sounds like she is doing really well... i'm super happy for her!
friday... today... errands and laundry. made some appointments for next week with lawyers and financial advisors. fingers crossed.
joe called and said he can replace the radiator all parts and labor = $200. i dont have that. so he's gonna let me park the baby beast at his place until i can come up with the money.
now i am going to post this, then go over to ma's and watch a movie with her. not sure what movie she got.
after that, i have to drive (1 hr 1 way) to fort wayne airport to pick up my father getting back from florida/virginia. then i'm gonna get back and crash with my dogters!
thanks to all of you for your kindness, love, support, care, concerns... everything!
i love you all oodles and bunches!
much love.
be well.
~angela
no time to proof-read... gotta run!
16 April 2010
medical leave update...
so... no medical leave letter in the mail this morning. i called the medical leave appeal guy. guess i mis-remembered the date on the letter. "determintaion made on or before april 19" (not the 16) HOWEVER he said that it is not likely they will have a decision by monday, so he said monday the 19th they will issue me a notification letter that they will be taking an additional 45 days! i am waiting on a callback from employer about how this works since another 45 days puts me past my "seperation/termination" date of april 25. blargh. now i am off to therapy. prolly my last one since i am broke and my insurance is being canceled retro to february 1st. yippee.
09 April 2010
i need some help...
i suppose pretty much everyone knows by now that i am on medical leave. i have been on medical leave since april 2009. yeah, so, this month marks 1 year. however... while my application for extended medical leave has been in review, since september 2009, i have been on unpaid leave. yeah. unpaid leave for the last 7 months. i have applied over and over for state assistance, but because i am "technically" employed, they keep telling me i do not qualify for financial assistance. also, because i am employed, i do not qualify for unemployment or disability... even though i have not been getting paid. i was able to get food assistance thru the state. i get $50 a week. that was a bit of a relief to finally get that. but i have been denied for every other state program i have applied for.
i suppose i should get right to the point. i need some help with money. i hate asking for help, but i dont know what else to do. i have been selling stuff out of my storage unit for the last few months, but i really dont have much else to sell. my house is on the verge of foreclosure, but i am trying to get approved to sell it as a short sale before the foreclosure goes through. disconnected home internet since it is basically a luxury. i havent had teevee service for about 5 years. i got (another) extension on my phone bill - it is now due the 24th. my big scary thing is my health insurance. since i am on unpaid leave, i am responsible for my health insurance. kinda like cobra, but it is not cobra. anywhom. if i dont make the payments, they will retroactively decline my medical bills and i will be responsible for the full cost of those bills. i have only been able to make 2 of the 4 payments for my insurance. right now i owe $533.66 immediately and another $533.66 by the end of april. i have been trying to get the money together, but i only have a little over $100 right now. aside from asking for help from family and friends, i just dont know what else to do.
my employer's medical leave board said they would have a decision "on or before april 16, 2010". here is the thing... if they approve my extended medical leave retroactive to september 2009, i would get all that back-pay. yay! however, there is no way they will have the money issued to me in the next couple of weeks by the time i need it. on the other hand, if they deny me, then i will be retroactively separated/terminated/fired as of september 2009. the fact that they have taken 7 months to make a decision, and they are now down to the last 7 days before i am technically "separated" from the company, well, that doesnt give me positive vibes that this will work out in my favor. but, another way to look at this is that if i am denied and they terminate me, i will be able to get some of my stock money that has been frozen since i was put on unpaid leave. but that will take 30-60 days. so, either way i should get money coming to me... but either way, it wont make it here in time for me to save myself from health insurance cancelations, utility disconnections, and whatnot by the end of april.
so, currently i need to come up with $1,900 by the end of the month. i am not asking that anyone break their bank or take away from their family in order to help me. and i must say, if you are willing and able to help me, you will be added to my IOU list. i intend to repay every single penny i borrow. i am only asking for a loan. i am not asking for anyone to just give me money. okay? i want to make that super duper clear. if you know me at all, you know that i dont take asking for help lightly... i just dont know what other options i have. also, if you know me, you know that i will pay back everything i borrow... and if you ever need help, and i can help you, I WILL!
thanks for your consideration!
i love you all oodles and bunches!
be well.
~angela
i suppose i should get right to the point. i need some help with money. i hate asking for help, but i dont know what else to do. i have been selling stuff out of my storage unit for the last few months, but i really dont have much else to sell. my house is on the verge of foreclosure, but i am trying to get approved to sell it as a short sale before the foreclosure goes through. disconnected home internet since it is basically a luxury. i havent had teevee service for about 5 years. i got (another) extension on my phone bill - it is now due the 24th. my big scary thing is my health insurance. since i am on unpaid leave, i am responsible for my health insurance. kinda like cobra, but it is not cobra. anywhom. if i dont make the payments, they will retroactively decline my medical bills and i will be responsible for the full cost of those bills. i have only been able to make 2 of the 4 payments for my insurance. right now i owe $533.66 immediately and another $533.66 by the end of april. i have been trying to get the money together, but i only have a little over $100 right now. aside from asking for help from family and friends, i just dont know what else to do.
my employer's medical leave board said they would have a decision "on or before april 16, 2010". here is the thing... if they approve my extended medical leave retroactive to september 2009, i would get all that back-pay. yay! however, there is no way they will have the money issued to me in the next couple of weeks by the time i need it. on the other hand, if they deny me, then i will be retroactively separated/terminated/fired as of september 2009. the fact that they have taken 7 months to make a decision, and they are now down to the last 7 days before i am technically "separated" from the company, well, that doesnt give me positive vibes that this will work out in my favor. but, another way to look at this is that if i am denied and they terminate me, i will be able to get some of my stock money that has been frozen since i was put on unpaid leave. but that will take 30-60 days. so, either way i should get money coming to me... but either way, it wont make it here in time for me to save myself from health insurance cancelations, utility disconnections, and whatnot by the end of april.
so, currently i need to come up with $1,900 by the end of the month. i am not asking that anyone break their bank or take away from their family in order to help me. and i must say, if you are willing and able to help me, you will be added to my IOU list. i intend to repay every single penny i borrow. i am only asking for a loan. i am not asking for anyone to just give me money. okay? i want to make that super duper clear. if you know me at all, you know that i dont take asking for help lightly... i just dont know what other options i have. also, if you know me, you know that i will pay back everything i borrow... and if you ever need help, and i can help you, I WILL!
thanks for your consideration!
i love you all oodles and bunches!
be well.
~angela
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