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"I caved, I caved, I caved...," echoing in my mind.

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Better Today Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:01 PM
Original message
"I caved, I caved, I caved...," echoing in my mind.
The den is hushed and chill as a light blanket of snow has been silently falling for most of the evening. The glow from the monitor is providing the only light for the room; the rest of the house is dark. Two beady red lights glow from the nearby electric oil room radiator, the only heat left in the house.

Upon returning from my TESTRUN down to Los Angeles and back, I found a number of discouraging and disappointing situations, such as the main heat being on the fritz with temperatures heading down to the low 20s for daily highs. Nonetheless, still aglow with the general enjoyment of having traveled anywhere for the first time in decades, I set those issues aside; stiff upper lip and all. My mind was abuzz with so much I wanted to blog about: the conversations I'd had with friends and strangers along the way, the situations good and uncomfortable, ideas on solutions to logistics that remained unresolved, and solutions to issues that were stumbled upon during the short journey.

I returned home just in time to watch the last fifteen minutes of the Rally to Restore Sanity, and a political forum I frequent was a buzz with joy and comradery about the rally. During my travel, I had found that much of what Jon Stewart had said seemed to be true. I had many conversations about potentially heated issues with folks whose opinions were quite offset from mine without so much as a hint of animosity. There was no name calling directly to each other or to political or pundit personalities; a lot of truncating, like "Obama" instead of "President Obama" or "Repub" instead of "Republican," but all in all quite sane. No one's mind was immediately changed, but thoughts were provoked, reality rather than talking points seemed to rule. This was pretty much what I had heard Jon say, average folks are tired of hyped up hyperbole, we can talk sensibly about these issues, we nearly all agree as to which are really important, ....

I posted one JOURNAL about this in the initial excitement I was feeling, with that "yeah, yeah, I totally get it, I just lived that!," but it was short lived. The false equivalency argument began to dominate most conversations on-line and elsewhere. Apparently since I'd only caught the last little bit, I missed the direct comparison of Keith Olbermann to folks at FNC. Briefly, I can't see this issue in black and white, it's firmly rooted in grey. From a journalistic standpoint, meaning that facts are checked and information vetted, there's no comparison at all, complete opposites. The evening crew (and I do mean exclusively the evening crew) at MSNBC provide facts, not innuendo, not conspiracy-style circle jerks, and no outright lies. However, from a hype standpoint, there are some similarities that I think do fit into what Jon was commenting about. Similarities such as the amount of time and energy spent on diss'ing the other side rather than discussing the issues, the hype given to relatively silly situations in the scheme of things, the willingness to let guests who typically agree with the pundit speak nearly without interruption while those that disagree are interrupted and spoken over. These types of things are similar on all the punditry stations. My final evaluation is simply that Jon was the wrong person to hold that rally. As a comedian, he also does much of what he's criticizing, though as a comedian, it could be construed as a different venue, which he certainly attempts to do. Problem is, there are no personalities that fall into the sane, reasonable, journalistic style that a rally like this would require to avoid controversy. Hundreds of discussions were taking place, perhaps I thought to myself, more blogging about the sane conversations I'd had would be better timed in a few days, and I gently slid them to the back burner.

I reached across and pulled to the fore the issue of how to locate and document the newly, episodic homeless after finding that they seem to prefer a certain amount of INVISIBILITY. I racked my brain trying to determine whether to broaden the scope of my journey or narrow it. One idea was to put up craigslist ads for women in my age bracket that have been unemployed for one to two years who would be willing to allow me to follow them on and off through out the next year; documenting 12-20 women as I loop-de-loop my way round and round the US, returning on each loop to record progress or regress as the case may be. I've also considered upgrading this idea, if you will. What if the documentations were utilized to actually help these women. I know I personally have a problem donating to organizations, I much prefer donating directly to an individual. Panhandlers, though, have a reputation for spending any cash offered on their addictions. Add to that, many of the newly homeless or about to be homeless are not likely to panhandle, and the problem becomes, how can help be offered directly to one person in need in a way that isn't likely to be subverted? I propose that once the series of women are chosen and documentation begun, a wish list for each could be started to include things like gascards, gift certificates for grocers, eyeglasses, pet supplies (so those with a pet to fight off depression can keep their pet), department or clothing stores, and the like. Kind of like the Christian Childrens Fund where you can watch their progress, and better yet determine when and if you desire to assist as well as how you desire to assist. Clearly this idea is fairly well thought out, not so much with the broader concept.

A much broader idea was to get connected with one of the unemployed groups springing up around the country, or perhaps more than one, and document their events, rallies, and protests, as well as any union strikes or employment related uprisings, mass lay-offs, and plant closures. Of course, should the economy actually pick up, I could also record plant re-openings and such. My equipment is more suited to this type of recording if I want to use it all, though of course the camcorder can be utilized alone. As you can see, this idea is not fully developed, and all thoughts about this concept, my future, the future of my project, and quite sincerely the future of this nation came crashing down around my ass if not lower before I was able to develop a more detailed plan.

Wednesday, the day after the mid-term elections, President Obama announced a renewed effort to get along with Republicans and the not-gonna-happen tax cuts for the filthy rich became the not-going-to-be-permanent tax cuts for the filthy rich. My heart sank, depression and anger and righteous indignation overwhelmed me. "I don't matter! These women I imagine documenting and helping don't matter! The unemployed don't matter! The homeless don't matter! WHAT THE FUCK!" has been raging through my head now for two and a half weeks, I succumbed, I collapsed, I caved....

The den is hushed and chill as a light blanket of snow has been silently falling for most of the evening. The glow from the monitor is providing the only light for the room; the rest of the house is dark. Two beady red lights glow from the nearby electric oil room radiator, the only heat left in the house, and I can hear only one thing.

"I caved, I caved, I caved...," echoing in my mind, reverberating down my spine. No, nope, can't do it, won't do it. I can't be furious at someone else for caving, and then cave in retaliation. Where are those damned boot straps, I need to pull myself up by them, RIGHT NOW!

So, I'm getting back on track. The date for the foreclosure sale on my home is mid-March, so I have some time there, though I have no idea what to do with the things that won't be coming on the journey with me. I could probably afford a storage unit for a year, but I can't afford the moving truck to move the few things I want to keep, mainly very heavy, large equipment from my analog photo lab, we're talking 3/4 ton equipment, not U-Haul-able. I'll also have to file for bankruptcy in here somewhere, but I am not sure the best timing for that. The videos I've done for my friend's new product in Los Angeles are stalled waiting for him and his partner to provide their preferred audio which requires me to stay near the internet so I can jump on those and get them finished as soon as possible. Therefore, once again I shall shed the level of depression and anger that be-stilled forward motion on my project (though I intend to hand on to my righteous indignation, because it is righteous) and use these days of waiting to set up a plan and be ready to get a move on.

Though I believe my angst and emotions, going into homelessness, will be a valuable asset to the documentary, I will have to learn a way to not become so emotionally overwhelmed that I crumple into a ball of stagnant despair. Wish me strength and tenacity.
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Catherina Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:16 PM
Response to Original message
1. Better Today, I wish you the strength and tenacity to get through this
I don't know what else to say. Your post leaves me speechless because I didn't know you were going through all of this.

Beautiful, poignant post but I wish it were fiction. :hug:

Rec'd
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I Have A Dream Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:18 PM
Response to Reply #1
3. I recommended this too, and the recommended count is 0.
I just don't understand humanity.

:(

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I Have A Dream Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:16 PM
Response to Original message
2. I'm so sorry that this is happening.
I recommended this, but someone unrecommended it. I have no idea how anyone could be so heartless that they would unrecommend your post, but obviously there are such people in the world.

I wish you all that is good in the world, and I wish you the strength to get through it to come out on the other side stronger than ever.

:hug:

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Catherina Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:18 PM
Response to Reply #2
4. I recommended it too and was shocked.
Now I'm even more shocked because if you recommended it too, that means there are at least two people here who are so heartless, they unrecommended it the minute it was posted.

Why would I want to be in the same party as such people? Anyone who would unrecommend this has no compassion. It explains why our country and party are as bad as they are today.
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I Have A Dream Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:20 PM
Response to Reply #4
5. Don't assume that it is the same party.
Edited on Sun Nov-21-10 11:23 PM by I Have A Dream
There are MANY lurkers here. :(

I have now decided to make sure that this gets a solid 5 recs to get it on the greatest page. x(



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Warpy Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:17 AM
Response to Reply #4
12. The only change I'd make to that particular feature
is require a star to use it. That way the lurkers would have to support the site financially in order to come here to unrec every single post, something I think we could all live with.

We know pissy Republicans are here by the consistent unrecs every single post gets. Making them support the site financially seems only fair.
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onecent Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 01:16 PM
Response to Reply #12
18. That is a good idea Warpy...
Did i miss the memo about WHY we have "unrecommend". Seems sort of senseless. Either vot for it...OR DON'T PARTICIPATE meaning you have no energy on that particular post.
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JuniperLea Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 04:43 PM
Response to Reply #12
23. That might force a lot of people out of here, old timers included...
I've been a donating member since I got here. I've got one foot out the door as it is. And some people here who are valued participants just can't afford another bill, no matter how small. Hell, some can barely afford to keep the electricity on to keep their 'puters running.
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BrklynLiberal Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 06:56 PM
Response to Reply #12
27. BRILLIANT!!!!!!!!
Edited on Mon Nov-22-10 06:56 PM by BrklynLiberal
send that to the Mods...
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Donnachaidh Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 07:37 PM
Response to Reply #12
29. and what about the DUers who are barely hanging on and can't afford to donate?
While I see the point being made - there are still many folks out there who read DU and are hanging on by the skin of their teeth, and may just not have the cash to donate.

And they also might still have enough pride to not mention that fact.

So are those folks to be excluded too?
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Catherina Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:23 PM
Response to Original message
6. Yeah you caved. Many of us did. Don't beat yourself up, it's done and over
It's been a valuable learning experience.

You sound strong, determined and clear-thinking. I wish I had practical advice I could give you. Where are you? Do you have any lawyer friends who could stall the foreclosure?
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Better Today Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:13 AM
Response to Reply #6
11. No, I don't know anyone to help stall foreclosure. This state has
non-judicial foreclosures so I have to hire a lawyer to initiate any attempt to fight, which costs quite a bit more than responding to the banks' initiation of a foreclosure suit. Also I am unemployed with no income whatsoever, so I'm not sure the point to delaying at this time.
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lunatica Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:34 PM
Response to Original message
7. I went through bankruptcy, and will probably get foreclosed soon
The process has already started and I've applied for a loan modification. Time will tell.

I don't want to cave either. I hope you continue to have your passion and strength. I have my job, and for that I'm thankful.

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earth mom Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:37 PM
Response to Original message
8. So sorry for what you are going through...I wish you strength and tenacity.
:grouphug:
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I Have A Dream Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Nov-21-10 11:49 PM
Response to Original message
9. Kick. nt
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Jamastiene Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:13 AM
Response to Original message
10. K&R
You are going to do a most excellent job. I can tell. Best of luck to you.
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Mimosa Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:23 AM
Response to Original message
13. Better Today, my heart goes out to you.
I hope your situation will improve quickly. :(
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Desertrose Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:46 AM
Response to Original message
14. K&R. damn...this sucks....
I am really sorry....I did the bankruptcy thing years ago. Not pleasant but there IS life after bankruptcy.

I am so sorry about your house....I rented and my wonderful landlady just hung in with me (for my kids I think).


I wish you strength, tenacity and then some. Bless you.
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Lugnut Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 12:55 AM
Response to Original message
15. K&R n/t
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barbtries Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 01:09 PM
Response to Original message
16. maybe a book, too
you write beautifully. stay strong. :hug:
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avaistheone1 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 01:13 PM
Response to Original message
17. K&R
I am so sorry. You have my support through this hell you are through.
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guruoo Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 02:13 PM
Response to Original message
19. The 'produce the note' strategy may allow you to stall, or even stop foreclosure completely...
Wish I had known about this before I lost my new home last year. Fortunately, I was able to move back in my old
home which had yet to sell, and had extremely low payments due to the fact that it was purchased through my assumption of
the balance of a veteran's administration loan.

"Produce the Note" Puts Banks in a Quandry
Written by Women Homeowners on February 23, 2009
Filed under: Blog , Selling

Homeowners in Foreclosure are Throwing a Monkey-Wrench into the Banks Foreclosure Process

We received an email from Ellen Muzio, a short sales specialist in San Ramon, California whose services we have used, with the article below. Every homeowner involved in the foreclosure process should read it and follow all of the links.
'Kathy Lovelace lost her job and was about to lose her house, too. But then she made a seemingly simple request of the bank: Show me the original mortgage paperwork.
And just like that, the foreclosure proceedings came to a standstill.

Lovelace and other homeowners around the country are managing to stave off foreclosure by employing a strategy that goes to the heart of the whole nationwide mess.

During the real estate frenzy of the past decade, mortgages were sold and resold, bundled into securities and peddled to investors. In many cases, the original note signed by the homeowner was lost, stored away in a distant warehouse or destroyed.'

More: http://www.womenhomeowners.com/about-your-home/selling/produce-the-note-puts-banks-in-a-quandry/


Who Owns Your Mortgage? "Produce The Note" Movement Helps Stall Foreclosures
First Posted: 06-17-10 11:00 PM | Updated: 06-17-10 11:00 PM

'Modern-day home mortgages have been so sliced and diced by rapacious financiers that some homeowners are successfully delaying -- or even blocking -- foreclosures through the simple tactic of demanding that banks produce the original mortgage note, which amazingly enough is often not so easy for them to do.

As the foreclosure rate continues to set new highs, a little-noticed legal provision that requires bankers, if challenged, to prove they hold the original mortgage documents before getting possession has spawned a minor homeowner rebellion, alternately called "produce the note" or "show me the note". For homeowners trying desperately to keep their homes, the tactic is one way to buy some time -- and maybe even get the upper hand on the lender.

"You wouldn't imagine that the lenders would be that slovenly that they would not be able to produce adequate documentation of the debt," said House Financial Services Committee member Rep. Brad Miller (D-N.C.). "But apparently a lot of times they really have been unable to." '

More: http://www.huffingtonpost.com/2009/09/22/whos-got-the-mortgage-pro_n_294169.html

Lots of resources out there...
http://www.google.com/#hl=en&biw=1600&bih=725&q=produce+the+note&aq=f&aqi=&aql=&oq=&gs_rfai=&fp=207650e8c9a7f214
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Better Today Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 02:30 PM
Response to Reply #19
21. I did that already and they produced a copy of it, so I guess that's
a delay I won't be able to benefit from. The only other thing I've noticed is that the foreclosure is by a legal firm on behalf of MERS on behalf of CitiMortgage.... Still I've called the county and they accepted the lien on the property from MERS/Citi that had never been filed before, but they accepted it the day they also accepted the filing for foreclosure action.
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jsmandrake Donating Member (32 posts) Send PM | Profile | Ignore Mon Nov-22-10 02:16 PM
Response to Original message
20. Thank you ....
....for writing about your efforts, which are an example for me,
an aspiration constantly before me
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chervilant Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 04:37 PM
Response to Original message
22. Two things:
1) I would like to be a part of your documentary. I left mortgage lending (refused to sell subprimes) to become a teacher, and have been unemployed or underemployed for the better part of two years. I find that I seldom get called for interviews because of my age (54) and the fact that I hold a masters (thereby commanding a higher salary, which Duncan's troops are loathe to pay).

2) If you need a place to land, I still have a home (because I rent), and I have a studio in my home (mixed media artist--saves my sanity). You could stay here for a wee while, until you find a new home.
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Better Today Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Nov-23-10 01:05 AM
Response to Reply #22
31. I've PM'd you, check your inbox
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defendandprotect Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 04:59 PM
Response to Original message
24. K&R --
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amborin Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 05:10 PM
Response to Original message
25. K&R
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Jim Sagle Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 06:11 PM
Response to Original message
26. Carry on the best you can with all the strength you can. But know this:
Edited on Mon Nov-22-10 06:12 PM by Jim Sagle
You've already done more than most of us ever will. :donut:
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BrklynLiberal Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 06:58 PM
Response to Original message
28. Try to stay strong. And altho it is not always helpful...you are not alone.
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UpInArms Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Nov-22-10 10:20 PM
Response to Original message
30. My dearest Better Today,
although you have requested that I pray for "strength and tenacity" for you, I shall not - I shall wish that your days are filled with joy and love and the pleasure to understand and accept the joys in every day. I found that when I prayed for "strength and tenacity," my days were filled with ways in which to prove I had both of those traits. Only after I gave up the desire to be strong and tenacious, to enjoy my life - did I find that quality in abundance.

Back in the 80s, I lost my home, my husband, my most prized friend and companion-dog and found myself on a long journey to finding myself.

My best hopes for you - my wish for your joy and happiness.

UIA
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