rosedraws wrote: 
I can't go anywhere until either my house sells or I loose it to the bank. Where ever I go it has to have a low cost of living because of me being on disability. It will also depend on my credit rating and whether I can still qualify to buy anything or have to go back to renting for the first time since I was 23. When I moved here I had a live in girlfriend and made lots of friends in town. We even had "Historic" home pot lucks every month etc. Bur when the main employer in town shut down everyone sold or lost their homes and moved away. Except me...

 rosedraws wrote: 
They had several reasons. I went through the appeals process twice after being turned down the first time. The whole process took more than a year from start to end. They say I am still making to much money to qualify though its just disability pay and nothing additional. They also say my house is worth to much more than the loan to qualify and they say my debt ratio would still be to high. Even if I had qualified it would have still tanked my credit rating as it gets reported same as a short sale. And you have to pay Federal Tax on the money you save each month as its considered extra income.  I'll look at that 2nd look program, thanks...

 rosedraws wrote: 
I personally think that "senior" communes are going to pop up everywhere, because we aging Baby Boomers won't be able to afford to live on our own, and our kids certainly won't want to take care of us. (I have already been put on notice by mine ) We can support each other through good times and bad.

 hippiechick wrote: 


Really, it's too bad folks who need to share expenses can't get together more!  We all so damn independent.

 rosedraws wrote: 
Yes, I will go for the double wide fridge box, if you would like to move in with me! Maybe we can get a Sub Zero!

 DaveInVA wrote: 
Any cities you like?  Maybe it's time to be amongst some people.

 DaveInVA wrote: 
whoo boy Dave, that's quite a load of burden you got there!



Why were you turned down for a loan modification??

Have you heard of the 2nd Look program?

 hippiechick wrote: 
At least for now I'll have to stick with just a cat. In this middle of nowhere town there is no stuff like support groups. I have to drive 3 hours each way just to see my disability Doc.

 MsJudi wrote: 
You may be the gatekeeper...

 MsJudi wrote: 

On one of Art Bell's Coast to Coast they had one of his many theoretical physcists who would describe instances of voices or visions being heard and seen like in your yard or around the house that he theorized might have been different dimensions overlapping occasionally into ours. Interesting thought.

 DaveInVA wrote: 
Yes, I understand. You may want to find some kind of support group. Eve if you don't like people, it's still someone to give you encouragement.

 hippiechick wrote: 
Thanks - being all alone makes it even worse.......

 DaveInVA wrote: 
I'm so sorry. The cancer is obviously a serious concern, and it is very hard to lose everything you own; been there, done that. However, there is a certain freedom in not having anything to lose (Please refer to Dylan and Joplin for details.)

The mortgage companies really have no interest in helping. I have been round and round with mine since last Feb.

Good luck to you, esp with your health.

Right now the 2 things that scare me the most are:

1) The fact my cancer (or a new one) may be back as my quarterly x-ray last week of Dec shows something new going on. Just waiting to be scheduled for biopsy.

2) The fact I can't afford my house on my disability pay and I go about $300-$400 negative each month. Already blown through my savings, sold my 2nd car, sold 80% of my antiques and furnishings and now selling rest of my stuff on ebay to try and keep up. Can only keep that up a few more months at best. This is scary to me as I have always had a good job and pay and always had a great credit rating. Now I can loose my house, the $100k plus of my own money I put it in, my credit rating etc and have no place to live etc. I've had the house on the market for 3 years and been through 4 Realtors and no interest at all even at rock bottom price. I just got turned down for the 3rd and final time for a Fanny Mae hardship refinance and Wells Fargo who holds my current mortgage won 't help either.

 MsJudi wrote: 
Do you have an old house? Do you take too many drugs?

 MsJudi wrote: 

Like the figure I see standing in my back yard occasionally in the middle of the afternoon- one afternoon, I was in the pool cleaning the filter basket, I turned around, and it was standing right the f*ck next to me. Yesterday I was sitting here at my desk (probably reading these silly forums) and he walked right past the window that's about a foot from my left elbow.

 MsJudi wrote: 
Spooky....

 MsJudi wrote: 

Spoooky!

The ongoing haunting of my house, which isn't always in itself scary but can be startling and unsettling at times. Today, for instance.

I haven't been totally alone in the house for the last few weeks and this afternoon was one of those periods when I was. I went into cleaning mode but before I did, I turned on a dumb little "screen saver" on my TV of a babbling brook in a winter storm. The "soundtrack" for this was, of course, the sound of water, but also, more creepily, the sound of howling winds.

I'm standing at the sink washing dishes, where I can SEE the damned TV, and I'm thinking about what a creepy sound that was. It was getting into my head a little, I'll admit it, despite knowing what the sound was and its utterly mundane source. But if I'm not LOOKING at the TV, it's really just a creepy sound going round and round in the surround sound system, right?

Halfway through washing the sink of dishes, above the howling wind sound, I hear someone very distinctly say, "Hello??"

I slammed off the running water, jumped on the mute button and then just stood in the living room, listening hard. No one. I go to the door, thinking that maybe someone is on the porch trying to get my attention, and there's no one. Peek out the front shades for cars in the driveway- no one.

Not a common occurance, but something that happens now and then. And it could have been my imagination, too...