FINALLY REALLY GREAT NEWS

FINALLY.....there is GREAT news to report.....but first I want to THANK YOU ALL for all the great solutions and encouraging comments you left for me.....we could not go to a check cashing place to cash the check because we had already deposited it into our account and the bank would not give it back.....we could not take a loan out against it because there was still a hold on the check and federal guidelines does not allow that with out of state checks.....ANYWAY.....I had mentioned that I had to think things through because I was too upset to think about anything rational....well later that evening I told Allen that he needed to call our financial investment guy because I did not think that he is aware that this would happen to us....at least he did not mention any thing about it to me....So first thing yesterday morning Allen called him and Mike (the investment guy) flipped and said that the bank is not held to stone about such guidelines about the hold....and he also did not understand why the bank just did not call the bank in Boston right away to verify the money was there....so Mike told Allen to meet him at the bank at around 3 and that Mike would go in and fight for our money to be released...Mike previously was a bank manager before becoming a financial advisor so he knows all the ins and outs of banking and said that he would get us our money released....WELL....SURE ENOUGH HE DID.......THANK GOD......MIRACLES DO HAPPEN....and a cashier's check in on the way this morning to the law offices of the mortgage company to stop the foreclosure....they said as long as it was sent before next week that there would be NO FORECLOSURE....PRAISE GOD....our house is safe!!!!!!!

WHAT A MASSIVE RELIEF it is for us......I want to THANK YOU ALL for your prayers and positive thoughts....I just know that you all had God's ear and heart in this matter. It feels like a huge weight has been taken off our shoulders.....right now Allen and I are trying to sort out who to pay first and how to go about it all in the best and fastest way....but the MOST important thing is finally paid up to date and thatis the mortgage....Now money every month will automatically be sent to the mortgage company to pay the monthly payments...the reason we did not just pay the whole thing off is because taking that kind of money out of the retirement fund would cause MAJOR penalties with the IRS and so on.....but the money will go from the fund to the mortgage company and we NO LONGER have to worry about mortgage payments....with the amount of money we did receive....the IRS took over $14,000 of the money....that is alot of money just to hand over.....that is just penalties...not taxes....so we do not get that money back....I personally do not want to hand over any more money to them...

GOD BLESS this financial advisor-Mike....he truly is an angel in disguise...I so appreciate everything he has done for us...always with a happy tone to his voice and a happy heart....we really are BLESSED to have him on our side!

I just wanted to share the GOOD news with all of you....again...Allen and I THANK YOU ALL from the bottom of our hearts for your prayers and support....you truly have blessed our lives and heart....Your kindness will come back to you all ten-fold....I truly believe that!!!

Have a GREAT friday...HUG THOSE YOU LOVE......PEACE!!!

Tags: mortgage, bank, financial advisor, money, good news

NEW TECHNOLOGY

NEW TECHNOLOGY........this is just fascinating.....just had to share it with all of you! (click on blue words)

A New Kind Of Coffee Table

Tags: new technology, computer of the future, microsoft

I JUST KNEW IT

 

I knew it ...I knew it ....I knew it....First THANK GOD...we did receive the check today from the retirement fund....BUT like I said ...the state has a way of screwing with their employees....the check is from a bank in Massachusetts...the banks here have a policy that out of state checks have to sit for 10 business days so that it can "clear"....well first why did we pay for overnight when the check will automatically have a hold....the Florida retirement lady knew this because that is the law in Florida.....and why is the check from a bank in Massachusetts.....if we have to wait for 10 days it will be TOO late to stop the foreclosure.....DAMN DAMN DAMN!!!

I just knew there had to be a catch with all of this.....the Florida retirement lady DID NOT mention this little issue at all during the teleconference Allen had with her and the investment guy....the bank said they could do us a favor and let us have $100.00 but that is it.....OMG....I just wanted to scream...this is so typical...now what??????

I am just beside myself right now.....I have to think about all of this...I am too upset to be rational right now....but just wanted to fill you all in....like I have always said...you just gotta love the Department of Corruption!!!!

HUG THOSE YOU LOVE.........PEACE!!!

Tags: retirement check, department of corruption, bank

LOWES CALLED ME

OMG......LOWES CALLED ME....early this afternoon I received an email from the main office of Lowes saying they have forwarded my complaint to the local office (the store where I went) to resolve this issue...I thought to myself I guess I will be getting another email from this Lowes apologizing and the general niceties...well I got a BIG SURPRISE...The sales manager of Lowes called me ...I was SHOCKED to say the least....he was INCREDIBLY nice and polite and so very much apologetic....he kept asking what could he do to resolve this issue for me...I told him just his phone call was enough...He went on to explain how this woman employee has 30 years of experience in designing kitchens and such...never had a complaint about her.....that maybe she was having an off day...I told him I understand off days because everyone is human....I just did not understand why she could not explain ANYTHING to me like different hardware, or appliances, or countertops until I paid the measurement fee....he said he did not understand why she did not do that either...that she is extremely knowledgeable in those areas and that is part of her "sales" thing....but I told him perhaps I caught her in an off moment but I also explained how difficult it is for me to get out and once I am out I try to do as much as possible and get as much completed because it is so difficult for me. I told him I have NO KITCHEN to speak of except a stove and a refrigerator and that is it....so I need everything...now it was his moment to be shocked....he said you must eat out a lot...I told him we order out a lot because I do not go out....and I want a kitchen again because ordering out was getting old....we laughed a lot. Any way...he said I did not need detailed measurements in order to get general pricing ideas...or to check things out to start getting ideas on how I want things to look...he was very surprised that she did not do that with us. So Allen and I will go in with general measurements (like how long the walls are that will have cabinets) HOWEVER....this is the way he is resolving the problem....he wants me to call him ahead of time and let him know when I will be coming to Lowes...with or without any measurements...and he will have either this woman or the other kitchen planner and sales people from appliances,and the specialists for the countertops and such all wait on me....that I will not wait on any lines...that these people will sit with me and come up with plans and ideas for me to look at and take home with me...and when I am ready to have the detailed measurements done...then they will punch in the numbers and have a 3-d program with my actual kitchen and what it will look like for me....then I can take that home and look at it and make any changes I want and go from there until I am happy....he said he will arrange everything for me and I am to always call him with whatever ideas or needs that I have about my renovations...OMG....how very sweet!!!!

He said if I happen to call and he is NOT there that I am to ask for the store manager (he gave me his name too) and that the store manager will see I get what I want. He did tell me that sometimes it takes 2 or 3 visits to get everything perfect the way I want....I told him that was ok as long as I know that ahead of time so I can plan it out in my head and get myself psyched for it. But I told him...the lady never even told me that...never told me that they could do such a program...never mentioned that she could start planning it out WITHOUT measurements...that is what really shocked him. I guess I will be WELL KNOWN at Lowes now....

He must have spent about 20-30 minutes on the phone with me...he did have me laughing...he also said at the end that he had to warn me that once they have created this kitchen for me...there is no more reason for ordering out....I laughed again and told him those are the days I look forward to...lol

WOW....talk about resolving the issue....I am glad I wrote to the company...I am thrilled this very nice man called me....and I really look forward to planning out my kitchen again....yesterday it felt like my bubble was popped but the sales manager renewed my excitement with all the possibilities open to me...and I am just so excited again!!!!

THANKS TO YOU ALL for your support about this....you really made me feel good about writing to them...and about my feelings in all of it....I really needed that.......I will let you know what happens on my next visit...that should be interesting!!

HUGS THOSE YOU LOVE.......PEACE!!!

 

Tags: Lowes, apology, kitchen planning, resolution

I WENT OUT!

Yes believe it or not I am doing another entry so soon....so that should tell you that the last 24 hours have been busy!!!!

Summer school is insane....the lane to turn into the school was MILES long....it is not even that long during the school year....but you have to remember that there are NO buses...either you walk to school and get a ride...so Allen drove Crystalyn and he had to drop her off at  the entrance because it was near impossible to get any closer to the school...Picking her up was the same chaos....hopefully the administration will have some system set up soon to avoid the insanity...I just could not believe it!!! It is just an accident waiting to happen....So I had a massive fight with myself and got myself ready to actually go out!!!! I have not been out since my last doctor appointment....so I was quite proud of myself....Okay...got ready and we go get Crystalyn ...and then decided to go to LOWES and see what we need to do in order to start getting the renovations done on our kitchen....NOW mind you it takes ALOT for me to go out....it is the worst horror that my mind and body goes through....but I was okay going to Lowes because I knew what I wanted...I already did the research and pricing and such...I just wanted to know the lil details....WELL DARN IT.....the lady at the kitchen project center was RUDE and COLD!!! We have measured our kitchen a dozen times but of course I would much rather they come to measure it so that there are no misunderstandings. Well the lady said that it would cost $75 dollars but you get that back when they come to install everything...I knew that from the web site....home depot also has the same policy. HOWEVER....no matter what question I asked her...like could you tell me about the different countertops you have...she said after you pay your $75 dollars we can then go over that....no matter what I said...that was her response....no eye contact...NASTY attitude....I was devastated by the time we left there....After Lowes we went to eat at Denny's....it was nice....but that is when I broke down....I started talking about my impression of this lady and Allen got the same vibe from her and then I cried....I just wanted to go home.....the meal could not go fast enough for me and I wanted to go home....

Now after getting home and relaxing, I decided to get on the LOWES website and wrote a MASSIVE complaint about her....I do not know the name of this person but I did tell them what store and the time and all.....I am waiting for a reply. I told them it must have been the fact that my husband has long hair and a long beard and I was in a wheel chair that we must have appeared not to have money so why would their employee waste her time on us....I am telling you my complaint was NASTY... I was just so devastated really!!!! This is what makes me want to stay home safe....

Okay.....enough of that for now...... I decided to play with that photo poster program again....I really like the two posters below...I am thinking of printing them out and framing them as gifts for christmas....The actual pics you see are one that I digitally painted...any way....here they are:

Okay...I feel better...I have vented....now I am going to play some more at the forum...
Have a GRAND DAY....and remember to HUG THOSE YOU LOVE......PEACE!!!

 

Tags: lowes, summer school, photo posters

 

OUR SUMMER SEASON HAS STARTED

 

It is OFFICIAL....Hurricane season has started....and sure enough all weekend we got the MUCH NEEDED rain from Tropical Storm Barry....Of course the roof is not mended yet so our garage had a nice soaking..(this is getting old) but hopefully this will all be taken care of soon!!!! As much as it rained...and boy did it rain...it is just as dry and hot outside...I predict this summer is going to be a scorcher!!!

Today is the first day of summer school....Crystalyn signed up for summer school on her own...she has to make up a biology class that she did not do well in....and has to take a team sport PE class so that she does not have to hassle with that during her senior year. Now each of those classes are two weeks long for 6 hours a day...so first she has biology and then PE...so by the end of June she is done and caught up and one class ahead going into her senior year...She has a friend that will also be in summer school so at least she has someone to hang out with...say a lil prayer for her that she passes these two classes and I think she will really enjoy the rest of her summer. She does not go back to school until late August...so she will have just short of 8 weeks of summer to enjoy and go crazy.

Well I was bored one night and decided to do some graphic playing and came up with this graphic....it was just for fun but I like the way it turned out!!!

Okay....Now remember tomorrow the money is suppose to be released and a check cut for Allen....we are suppose to see it hit the bank on wednesday...so keep some positive thoughts going...I just do not trust the state! I showed Allen all the cabinets and such I would like from Lowe's and he liked it also....I knew it would...they are oak...and they match a table that he sanded and stained years and years ago....truly the prices are ALOT less then what we thought....we have been looking at ranges...and chest freezers...we used to have a chest freezer but after about 8 years it just quit...so we would like another one...smaller since there is only the three of us...and we found one we like....so now we just have to find a counter top that is reasonable and DOES NOT have particle board...and hopefully we can get stuff ordered.

What is a shock for me.....there are now 15 members at the THIS AND THAT forum...I am so blessed that people joined and actually like it....I think it is going smoothly...I am trying to think of more ideas for it...kind of stumped right now...but I am open to suggestions (hint hint!!!)

Well I think I will go get a cup of coffee and listen to the news for a bit...sleep is rare and far between...just another phase it seems...drives me crazy...but I am getting used to it!
I hope everyone has a GREAT week...remember to HUG THOSE YOU LOVE.....PEACE!!!

Tags: summer school, hurricane season, tropical storm, kitchen cabinets, forum

IT IS OFFICIAL AND A BUDDING ARTIST

 

It Is Official....Allen signed all the necessary paperwork....his retirement fund is in his hands...arrangements have been made for the money to be deposited into our bank account...all the benificary paperwork has been filled out...We should see something hit the bank by Tuesday at the latest....KEEP A LIL PRAYER SAID...and then we are going to celebrate...Like I have said a MILLION times when it comes to the state...I will believe it when I see it. Like we were told before that the money would arrive overnight...NOPE...another shocking revelation...it will take a couple of business days...go figure...but truly I think I can see the light at the end of this very dark tunnel we have been in for quite some time...

So I have spent the better part of the evening and early morning hours going through the home depot and lowes websites to comparison shop for kitchen cabinets and countertops...right now it looks like Lowes offers the better prices...As I know more I will let you all know...and Allen is waiting to hear from a couple of guys who do roofing so we can get some estimates and repair work done...it has been a busy 24 hours. Those two issues are my major concerns after paying off the mortgage debt...THANK YOU GOD!!!!

Okay...for some interesting news...this video was sent to a list I belong to and I thought I would pass it along to you all....This budding artist is 3 YEARS OLD...wait until you see his work...I am simply amazed!!!

Well I hope everyone has a HAPPY friday and THANK GOD FOR WEEKENDS!
Remember to HUG THOSE YOU LOVE......PEACE!!!

 

Tags: retirement fund, 3 yr old artist, video, youtube