Friends and NYT confirm:Good stuff on its way

My note, complete with doodle

I’ve got one of those “good things are afoot” feelings today.  As I have mentioned in passing more than once, I’m going to be launching a new blog soon.  Cold feet and my recent move have delayed it a little, but I’m shooting for a mid-May or maybe June 1 launch. It’s going to be a science fiction/fantasy book blog specifically for the female reader.  I’m calling it Scifi/Fantasy Divas.  I’m doing it because I looked around and really didn’t find a blog or site that fit with what I wanted to hear about.  There are several geek girl lifestyle sites, but I’m not really a gamer and a lot of the rest of the content seems to be about TV and film – which I like, don’t get me wrong, there just didn’t seem to be much about books.

My friends are being very supportive, and a couple of them in particular are also incredibly helpful and excited about the concept (which is when the panic set in; what if the blog stinks?) 

My reaction to the panic was to give my buddy Jill a call about getting the blog set up.  I had to do something, or I’d just set it aside out of fear.  The call went great – sure, about 75% was just us shooting the breeze, but we worked out a few things and Jill got some thoughts percolating in my head that will help me move forward.

Then today, the New York Times gave me even more incentive. 

I was noodling around on Twitter and saw a tweet from geek goddess, Felicia Day.  Apparently, the NYT had published something that offended her and her geeky sensibilities.  I clicked the link, which turned out to be an article about the upcoming HBO show, Game of Thrones, based on the George R. R. Martin series, A Song of Ice and Fire.  The journalist made an idle comment that HBO must have put the sex in the series so that women would watch it.  Because, of course, no woman would watch an old-school fantasy show.  She – yes, the journalist is a she – said she had “never met a single woman who has stood up in indignation at her book club and refused to read the latest from Lorrie Moore unless everyone agreed to The Hobbit first.”  Probably because any self-respecting scifi/fantasy diva has not only already read The Hobbit, she is aware of the stupid pigeonholing of the book as – in the journalist’s words – “boy fiction.”

Boy fiction?!

I’ve been reading science fiction and fantasy books since I was a little kid – I can trace the beginnings of my mania back to at least 10 years old.  Calling it boy fiction is a big, fat crock of dragon doo-doo.  On top of it all, I was actually talking to a coworker yesterday about A Song of Ice and Fire.  He was recommending it, and I wrote it down to check out because it sounded cool.  (You can see my scan of the note, above.)

If that isn’t a sign that I need to get things going, I don’t know what is.  Call it fate, kismet, or timing; I think I’m on to something here.

Oh yeah, here’s the link to the article: http://tv.nytimes.com/2011/04/15/arts/television/game-of-thrones-begins-sunday-on-hbo-review.html

Spooky house: Because Halloween gets shafted by Christmas these days

A while ago, while doing the realtor thing in Memphis, I had a very interesting home showing that Alex has been bugging me to write about.  Here it goes.

A former co-worker of mine at the travel agency introduced me to her daughter.  Elaine was a young woman with a good job, had saved well and thought it was time to purchase a home.  She had figured out her price point and was looking in some nice, but very reasonable neighborhoods east of Memphis.  Her father was casually scanning listings for her and giving suggestions (as fathers often do.)  He came across a very cheap home in a very nice neighborhood and suggested we take a look.  Before I took her over, I warned them that for the house to be as cheap as it was there would have to be some major problems.  The pictures in the listing didn’t seem too bad, but I did wonder at a photo of a chair under a doorknob.  It was propped under it like you do when you don’t have a lock but want to keep someone from getting in.  Elaine’s dad said if it wasn’t too bad, he’d help with repairs.  Because it could have been a great investment in a very popular neighborhood, I set up the showing.

Elaine and I showed up and went through the ritual of finding the key, knocking to make sure no one was home then entering the house.  Though it was still light outside, the house was dark because all the curtains were tightly closed.

We flipped some switches and took a look around.  First impression was that the owner had bad taste in art.  There were pieces of paper taped to the wood paneling.  I thought maybe the “art” was done by a grandkid, and then I looked around more.  The paneling was the kind that looks distressed, with little knots and wormhole marks.  At least, it should have been like that.  Masking tape had been carefully placed over each and every mark.  The vents in the living room had toweling stuffed in them.  The fireplace had been boarded up and newspapered over.  Elaine and I thought it odd, but figured maybe the owner had some sort of heating problem.  We saw several pictures in frames around the room.  None of the pictures were real, they were cut from magazines and newspapers.

We looked through the kitchen then turned to go down the hall where we assumed the bedrooms would be.  The hallway was dark.  Really dark.  The switch for the hall light didn’t work and Elaine and I both started to feel more than a little creeped out.  We laughed when I said, “I’ll go first, if I don’t come out, run and get help.”  But it was a nervous laugh.  I went to the first door and peeped in to find a pitch black room.  I flipped switches, but to no avail.  I could tell it was a bathroom because I could feel a counter, but that was it.  I went to the room across the hall, when I put my hand on the knob I pulled back quickly.  There was a washcloth tied on it.  There were cloths tied on all the doorknobs. The light switch didn’t work there, either.  I found a lamp and switched it on.  The small bedroom was junky, but uninteresting.  However, there was enough light from the lamp to shine into the bathroom.  I walked in and was startled to see that the mirror had been papered over just like the fireplace. 

At this point Elaine pointed out that even if the place were problem-free, there was no way in hell she could live somewhere that creepy.  We decided the best course of action was to leave immediately.

Of course, I went home and told Alex and my sister (who was at our home office) about the house.  Alex’s first comment was that it sounded like whoever was in the house was trying to either keep someone (or something) out, or keep it in. They were so intrigued that I set up another appointment so they could get a gander. 

This time, when we arrived, the lady who owned the house was there.  She wasn’t supposed to be, but we weren’t about to tell her to get out.  The good part was that we were able to get some lights turned on.  She made excuses about not replacing bulbs, but the fact remained that none of the mounted fixtures were working.  While she watched, we were able to get to the rest of the bedrooms.  One of them had a bunch of clothes washing powder spread over the threshold.  She said she accidentally spilled it, but the laundry room was on the other end of the house.  A powdery substance on the floor is a well-known way to keep an eye out for unseen intruders; the theory is that they’ll make foot-prints even if they’re incorporeal. 

While the washing powder may have been an assumption of the lady’s mania, the covered mirrors, blocked up vents, covered doorknobs, and fake family photos ran throughout the house.  One of the weirder finds was when my sister pulled back one of the shower curtains to find the tub filled with water and a huge lump of towels.  We looked at the other tub; it was also filled with water and towels.

The car in the carport had a thick layer of dust from lack of use.  That chair I saw in the picture securing the door?  It was there.  We didn’t ask if something was trying to get in the lady’s home.  I really didn’t want to know if it was all in her mind or not. 

I have no idea if she actually sold the house.  The last I heard, she had eight offers that she refused to answer.  I wonder if she thought whatever plagued her would follow her to the next home?

How to survive a short sale: Part 2

Part 2: Collect all your financial stuff

After you have decided to try and sell your home with a short sale, you’re going to need to gather a lot of information for the mortgage company.  Most have a specific short sale packet that you must fill out, but they all have similar requirements.  If you tried to get a work-out plan from your mortgage company you’re going to see a lot of the same information is needed.  Don’t assume that they have all your info on file, they don’t.  At least, they don’t have it in the short sale department.  That department could be miles away in a different city from the forbearance department.  Even if they’re in the same building, they never talk.  In fact – especially if you’re dealing with one of the larger mortgage companies – you should proceed with the understanding that no department has any idea what the others are doing/have done.  You will have to repeat yourself whenever you speak with someone new.

One of the main – and most dreaded – parts of the short sale packet is your financial situation.  You will be asked to provide your last two paystubs (I thought that one was pretty funny when I didn’t have a job), record all your income and where it comes from, tally up all your debt, give them your last two years’ tax forms, the last two months’ bank statements and provide a detailed list of your monthly expenses.  So, go ahead and start getting all that together.  Don’t wait until you have a contract.  Even if it takes some time to find a buyer, you can always update your information if there are changes.  I found it was much easier to put my paystubs and bank statements in a basket so I could send new ones as needed.  Even when you get a contract and submit your packet, keep putting those paystubs – and anything else that changes monthly – in the basket (or shoebox or nicely labeled file folder, whatever gets you there.)  The mortgage companies and banks can’t and won’t use information that is over six weeks old, and it may take longer than that to negotiate.

When it comes to writing out your income and expenses; don’t lie, and don’t leave anything out.  Be as detailed as possible.  Most of us don’t have diverse sources of income, but we do have diverse expenses.  Include everything; pet care, hair appointments, your cable bill, entertainment.  I mean everything.  If you have something you spend on monthly, write it down.  You are not going to get points for looking thrifty.  Now, I wouldn’t include something like a bad gambling habit, but I think you know what I mean (by the way, if that’s why you’re losing your home, please get some help.)  The mortgage company just wants to see why you have no money to pay them, and make sure there are good reasons.

You might be stunned to see how much you spend each month.   Alex and I took the opportunity to budget tighter after we saw our expenses and were able to cut a few more things out (like the TV cable bill.)  It wasn’t much of a silver lining, but at least we found something.

For those of you who are the realtor handling the short sale, don’t get too short annoyed with your clients if they don’t have it done in two days.  Encourage them to start early so they have time to both gather their paperwork and their emotions.  Writing down all the things that you are still responsible for even after your house sells can be pretty daunting.  For many, that house is just one piece of the overwhelming debt that is owed.  It might be a big chunk of it, but there will still be problems left after it sells.  However, I’m not saying just leave them to it.  You might need to push a little if it turns out your client is a head-in-the-sand type who hasn’t yet come to terms with their situation.  You may need to offer to sit down with them and help them go through everything.  Remember, I said this process is not for those who have little patience.

Here’s my next bit of advice:  Get your ducks in a row.   Find those W-2 tax forms (and make copies!  For heaven’s sake, don’t send your original) keep your paystubs and bank statements in a handy spot, start writing down everything you spend money on.  You’re going to need all this information, and it’s a royal pain to do it last minute.  If you need help, ask your realtor.  If you’re the realtor, be ready to help.

Nasty comments and no regrets

On Thursday, an article about people having to move in with relatives because of the economy was posted on the npr.org site.  I was one of the people interviewed for the article.  As soon as it went up, Alex texted me and said, “Be prepared to be torn apart in the comments section of NPR.”

He was right.  I actually wrote a lot of this yesterday, but I got so worked up, I decided to take a step back and revisit it today.

Ok, most people were pretty sympathetic.  Many had friends or family going through similar situations, or were in the same boat themselves.  But there were a few who honestly seemed to think that not only did we bring it on ourselves, we deserved it.  It was mentioned that Alex and I had moved from a 4,000 sq. ft. house into R and K’s attic.  I believe the writer just wanted to give a sense of how we have scaled back.  But the big house prompted some to comment that we were greedy and lived a hugely extravagant lifestyle.  We didn’t.  I won’t lie, we had a very nice lifestyle, but the majority of the money went to the business, not luxuries.  It didn’t say that the house was reasonably priced or that we bought it to fix up and were never really able to.  If not for the business I would probably still be in my big house, just with a different job.  I might have even fixed it up more.

Do I regret trying to start a business for myself and my family?  Sometimes, yes, I do.  The loss has been pretty hard on us and our immediate family.  Things might have been vastly different had I just gone into another line of work and done the whole 9 to 5 thing.  But more often I do not regret, because I don’t think there is anything wrong with attempting to make your life better; to build something you can be proud of.  Without having made the effort I would be one of those people who sit in their mediocre lives and wonder what could have been.  I would not be who I am today.

So when people comment that I deserve to have lost my home and my business, I can only chalk it up to jealously.  These are people who have never tried to pursue their dreams, let alone a dream that involves building something through work and investment of time, emotion, and money.  They will never have nice things because they will never try to get them.  If it is not handed to them, they think it unattainable.  They have no idea it is possible to realize a dream through work.

The thing is I know it is possible to build a business and have it be a success.  A lot of the truly successful people I have met bottomed out at least once before achieving their goal.  I got close; it just didn’t work out…  this time.

I’ll be back.  You see, I’m not afraid of giving new things a try.  I know I don’t deserve this loss.  I’m not a bad person.  Perhaps I will be more cautious next time, but I have no intention of curling up under the covers and wasting the rest of my life crying that I failed and behaving too scared to try again.