laceyk

Thank you so much. Every kind word these days helps.

It most certainly does.

FEMA is actually my flood insurance holder. They are actually EVERYONE's flood insurance holder. No matter who writes the policy, they are just writing it for FEMA. I applied for FEMA aid and was denied. Twice. Partially because the adjusters took so long to get everything taken care of. One of the rejection letters actually told me I have no flood policy on file. I wish I was kidding.

They have offered voluntary buy outs in my area. They said it will probably take 3 years to get to me. Even then, it depends on how many claims have been filed. on my house.

The house I shared with my ex-wife went almost two years without foreclosure. She was supposed to pay the mortgage from the date the divorce was official, until it was sold or she refinanced it to get my name off, which she was given 90 days to refinance. The divorce was official July '08. She stopped paying the mortgage Dec. '08. We didn't sell the house until February this year. The bank stopped calling it delinquent once the short sale process started October last year. So, yeah. Two years and no foreclosure? That is over $40k in the bank for me. I'll put the house on the market, but it won't sell. Especially after knowing how hard Irene hit this area.

I was in a similar situation... I had a house in upper west Milford still sitting on the market to this day. The nj real-estate market is so f'd up the banks don't even know what to do. In addition to the areas that have been declared disaster areas. I had 2 short sales fall thru. Two deed in lieu make it 3/4 ofthe way thru the process before being denied. The hoops that they make u jump thru are insane especially only to denie or force u to fail. But we all still persist. Good thing it was only one of my properties. Otherwise I would have been screwed.

Thank you! That's an excellent suggestion.

He's tres aborbs all the time. He gets the weird girl stuff, which is great.

Good! That will really help you. You just have to prove you had every intent of paying. It's not your fault they didn't get all the info they needed.

I did have ice cream!

Thanks!

Why thank you. It took a lot of work to make me not have fat elbows any more.

Yes and no. If you'd asked me this time last year, I would have pulled up stumps, but I'm starting to see that all my friends are here and that's what counts. Then again, I get homesick for SF -- more friends live there ... maybe it's friend sick?

Oddly, I live at my parents' house but found myself telling Bee "I wanna go home" when I felt yucky the other night, and I meant her house.

But truthfully, the area that feels most like "home" is one I've only worked in, not lived in. It's Wine Country, and wine is my industry. Plus, when I was out there, I loved the people and the communities. Every time I drive around up there, I get all teary and nostalgic and want to go look at homes for sale. We'll get there eventually.

It's almost yours too!

happy bday gorgeous

My boy and I are having the exact opposite problem. Both our roommates are moving out (his left today; mine leaves May 31), but I don't want to live with a partner until we get married. It's my one old-fashioned rule.

haha thanks...but theres still like 6 other people under consideration too

I've ben taking xanax for my anxiety attacks. But it really does helps smooth things out.

hey hon, i hpe you're doing better...miss ya
hope to see you soon
Siamkittie and i are celebrating our birthdays together for an SGNY event on the 16.