Oh Dear Lord, what has happened in our world? This isn’t the world I wanted to hand to my child and I am sure it isn’t the one you wanted to hand yours.
Good morning Aj and Ann.
We’re supposed to close on my house in Hendersonville today.
It will be in Asheville, but they say I don’t have to be there. I’ve signed a dozen papers.
I’ll be glad to get that off my back. It’s been a hassle as Kim can likely affirm.,
Just one more thing.
Chas,
Like every other thing the Government got involved in to “protect the consumer” it created more paperwork and less understanding.
When I first became an agent, the broker who trained me had a friendly contest going– when we did our estimated closing costs and Good Faith Estimates you got a funny trophy for how close you go to the actual dollar amount.
Then homeowner’s insurance became a wild card based on consumer credit rating, location of the property, which company wrote the policy, etc.
THEN the crash of ’08 happened and the Government got involved in making it where the consumer would better understand the HUD-1 closing docs. NO ONE understood them and I could no longer figure out a good- Good Faith Estimate. That was called RESPA (revised)
The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. The purposes of RESPA are. to help consumers become better shoppers for settlement services and. to eliminate kickbacks and referral fees that unnecessarily increase the costs of certain settlement services.
This took average closing time on a loan from 30 days to almost 45 days. Now the buyer and the seller receive two separate “Closing Disclosures” for more privacy and NO ONE understands it anymore. I, as your agent, am not allowed to see it until we get to closing, so how am I to protect you by reviewing it and making sure that you are not being over charged? That all the numbers are correct? Most loan officers and title companies ignore this part of the law and send it to the agents anyway. Shhhh….don’t tell anyone.
Yep, Uncle Sam just keeps making things easier and easier. 😦
We do seem to be living in the days when things keep getting worse. These are days to cling whole-heartedly to God Who is love, truth, mercy, and good beyond our imaginings.
I was up kind of late watching the Dallas news unfold, horrible. It certainly won’t make it any easier to recruit police officers. How awful. I haven’t looked at the news yet today but I imagine will get some information on the shooters and what they were all about.
Photos were taken on a recent dog walk after work to the neighborhood park (where the coyotes hang) — taken with the iPhone, not the ‘real’ camera, so the colors and other elements are kind of funky, but the phone doesn’t do a bad job in a pinch and it actually has a decent little zoom. And it’s always with me.
I watched this guy (a night heron someone told me) for quite a while as we walked by him a couple times. I was trying not to spook him, and I enjoyed seeing him walk and slink around those rocks. Later, he was perched leaning way over the edge, beak to the water, looking for dinner.
Lunch with friends and then off to Portland to see three or five more grandchildren
Getting tired of flying and I am only half way there
Grieving for our nation
In 2005, in Mayerthorpe, Alberta, Canada, four police officers were killed while repossessing a stolen vehicle. The shooter was a drug dealer, who deliberately ambushed them, with an illegally obtained gun which two of his friends had given him. He was white – so were the police officers. The shooter then turned the gun on himself. In 2014, in Moncton, New Brunswick, Canada, five police officers were shot and three were killed in Moncton’s first homicide since 2010. The killer was a white conspiracy theorist who had been raised in a religious family and homeschooled and who was attempting to start a rebellion against the Canadian government. He is now imprisoned for life.
Whenever the police here shoot or otherwise cause the death of an innocent person, there is outrage here, and a call for more accountability, and that is only right – there are police, for example, in Winnipeg, Manitoba, Canada, who have been directly implicated in dropping off drunk people who happen to be First Nations (Indigenous) and leaving them to freeze to death – as there must always be checks and balances in law enforcement to prevent abuse. However, I have read comments by people who seem to never give the police the benefit of the doubt, using even positive stories about the police to air their grievances. There is also resentment toward the police in inner city neighbourhoods. I’ll never forget the spectacle, walking home from the bus stop to my apartment in the city, of seeing an arrest taking place across the street, and hearing the (white) women on my side of the street scream and curse at the police officers (both suspect and officers appeared to be white), telling the police to leave the suspect alone. I cite these case to demonstrate that unreasonable resentment of and violent attacks on law enforcement is not something which only occurs along lines of ethnic division.
Anyone here remember singer Gene Pitney, from the 60s & early 70s? Some of his hit songs were “Town Without Pity”, “Twenty Four Hours from Tulsa”, & “The Man Who Shot Liberty Valance”, among others.
My friend Mike (he & his wife Cindy go to our church) was good friends with Pitney, both of them growing up in Rockville, Connecticut (about half an hour from Stafford), & their dads were friends, too. On Facebook, Cindy posted audio from a song Pitney had recorded but never released, which Mike had written, with a brief preface by Pitney talking about the song. Pretty neat.
Mike is a great guy, with a deep faith & a corny sense of humor.
Here it is, if anyone is interested. The song is called “Boomtown”, & is about how Rockville used to be a big mill town, but had deteriorated quite a bit. It’s only audio, so the screen will be black.
Cool pix, Donna. I managed to get a night heron in several shots of birds from Alabama, but I didn’t know it until I pulled up the photos, since they were mob scenes of lots of birds. I’ve never knowingly seen them in the wild. (I did see them in captivity in Florida. Pretty little birds.)
I enjoyed listening to that, Karen. The words were good and the music was pleasant, but I felt the music was a bit upbeat considering the subject. Did you feel that way? Perhaps it was just the time period in which it was produced that required music to sound that way. I am certainly no expert, but that was how it struck me.
Janice, I put turmeric in the rice, veggies, chicken, eggs, tuna, whatever while they are cooking. We also take capsules of it. This past winter I did not get sick and I took turmeric. I stopped about three months ago. I am sick. Not saying there is a connection…
Tomorrow I will be babysitting Little Guy on my own, from 6:30am to sometime after 3:30pm. (Any prayers are appreciated. 🙂 )
2nd Daughter will be attending ConnectiCon, Connecticut’s version (much smaller) of San Diego’s famous Comic-Con, with the McKs. She didn’t ask for the weekend off, but I knew how important it is to her, & told her to go ahead & go.
Wikipedia describes it as “. . .an annual massively multi-genre convention dedicated to ‘a celebration of pop culture – everything from anime, to science fiction, comic books and card games.’ ” Many (most?) of the people come dressed as their favorite characters, with often a lot of work & detail going into their costumes. It’s called cosplay.
Has anyone else here heard of cosplay, or know anyone else who does that?
Karen, I have heard of fans dressing in costumes for Comic-Con and other festivals for fans of comics and related media, but I hadn’t heard the insider word for it until you asked. I looked it up, apparently it is a Japanese portmanteau word, a combination of “costume” and “role-play”. The Wikipedia article was clearly written by a nerd, and goes into great detail to explain the social and psychological factors surrounding cosplay. In my childhood, we called it “dress-up” and “pretend”. Basically, cosplay is making costumes based on a character in a comic or film or game, etc. and impersonating said character while at the convention. Perfectly understandable, as I once made a Renaissance costume purely for the fun of it. There is much harmless fun in such conventions. There is also some tragedy, as some begin to live more in their fantasies than in reality. The key is not to immerse oneself so much in the world of imagination that the real world is ignored and neglected.
Karen, there is a really big gathering in Atlanta called Dragon Con. Art and I watched a wonderful program on our local PBS about it this past year. I do not know if you can find the program on the Web, but it would be great for your family to view.
There was a family in one of our son’s home school groups who were involved in it. I felt concerned that the parents were overly involved in all fantasy world. Most children in our small group went to our church with their families but these people were not in church as best I could tell. I think they spent all weekends doing their fantasy activities. This was back in the 90s. I did not keep up with the family when our group ended.
The actual weekend conference event looks fun and pretty safe although there are always fringe people hanging around big events looking for possibilities to take advantage in numerous ways.
Karen, I copied another link that is suppose to have the whole program, 57 minutes. The other link may or may not show the whole program. http://www.pbs.org/video/2065738625/
I had not heard the term cosplay until a few months ago, from a co-worker who does it at Detroit’s Youmacon. The idea’s not new though; Star Trek fans have done it for decades.
Good morning.
LikeLiked by 2 people
Oh Dear Lord, what has happened in our world? This isn’t the world I wanted to hand to my child and I am sure it isn’t the one you wanted to hand yours.
LikeLiked by 6 people
Good morning Aj and Ann.
We’re supposed to close on my house in Hendersonville today.
It will be in Asheville, but they say I don’t have to be there. I’ve signed a dozen papers.
I’ll be glad to get that off my back. It’s been a hassle as Kim can likely affirm.,
Just one more thing.
LikeLiked by 7 people
Chas,
Like every other thing the Government got involved in to “protect the consumer” it created more paperwork and less understanding.
When I first became an agent, the broker who trained me had a friendly contest going– when we did our estimated closing costs and Good Faith Estimates you got a funny trophy for how close you go to the actual dollar amount.
Then homeowner’s insurance became a wild card based on consumer credit rating, location of the property, which company wrote the policy, etc.
THEN the crash of ’08 happened and the Government got involved in making it where the consumer would better understand the HUD-1 closing docs. NO ONE understood them and I could no longer figure out a good- Good Faith Estimate. That was called RESPA (revised)
The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. The purposes of RESPA are. to help consumers become better shoppers for settlement services and. to eliminate kickbacks and referral fees that unnecessarily increase the costs of certain settlement services.
Last year they came out with TRID
http://www.consumerfinance.gov/policy-compliance/guidance/implementation-guidance/tila-respa-disclosure-rule//
This took average closing time on a loan from 30 days to almost 45 days. Now the buyer and the seller receive two separate “Closing Disclosures” for more privacy and NO ONE understands it anymore. I, as your agent, am not allowed to see it until we get to closing, so how am I to protect you by reviewing it and making sure that you are not being over charged? That all the numbers are correct? Most loan officers and title companies ignore this part of the law and send it to the agents anyway. Shhhh….don’t tell anyone.
Yep, Uncle Sam just keeps making things easier and easier. 😦
LikeLiked by 6 people
Another Friday another house closing. And I can testify to what Kim said about confusing. We close at 10:30.
Meanwhile, enjoy the Hilary-us Friday funnies. Most are about the decision by the FBI.
LikeLiked by 7 people
I love your bird photos, Donna! I feel a touch of humor in the second photo showing frizz on the head and an iffy step. Charming!
LikeLiked by 1 person
We do seem to be living in the days when things keep getting worse. These are days to cling whole-heartedly to God Who is love, truth, mercy, and good beyond our imaginings.
LikeLike
I was up kind of late watching the Dallas news unfold, horrible. It certainly won’t make it any easier to recruit police officers. How awful. I haven’t looked at the news yet today but I imagine will get some information on the shooters and what they were all about.
Photos were taken on a recent dog walk after work to the neighborhood park (where the coyotes hang) — taken with the iPhone, not the ‘real’ camera, so the colors and other elements are kind of funky, but the phone doesn’t do a bad job in a pinch and it actually has a decent little zoom. And it’s always with me.
I watched this guy (a night heron someone told me) for quite a while as we walked by him a couple times. I was trying not to spook him, and I enjoyed seeing him walk and slink around those rocks. Later, he was perched leaning way over the edge, beak to the water, looking for dinner.
LikeLiked by 2 people
Care, this showed up on Facebook and I thought of you and the beach wedding. http://shop.nordstrom.com/s/4278835?pathAlias=longsleeve-beaded-maxi-dress&cm_mmc=displayfb-_-kenshoo-_-dpa-_-91068163
Is this a cocktail dress? I did not read about it before posting here.
LikeLiked by 1 person
Care=Kare. Tablet acting prankish!
LikeLike
Lunch with friends and then off to Portland to see three or five more grandchildren
Getting tired of flying and I am only half way there
Grieving for our nation
LikeLiked by 3 people
In 2005, in Mayerthorpe, Alberta, Canada, four police officers were killed while repossessing a stolen vehicle. The shooter was a drug dealer, who deliberately ambushed them, with an illegally obtained gun which two of his friends had given him. He was white – so were the police officers. The shooter then turned the gun on himself. In 2014, in Moncton, New Brunswick, Canada, five police officers were shot and three were killed in Moncton’s first homicide since 2010. The killer was a white conspiracy theorist who had been raised in a religious family and homeschooled and who was attempting to start a rebellion against the Canadian government. He is now imprisoned for life.
Whenever the police here shoot or otherwise cause the death of an innocent person, there is outrage here, and a call for more accountability, and that is only right – there are police, for example, in Winnipeg, Manitoba, Canada, who have been directly implicated in dropping off drunk people who happen to be First Nations (Indigenous) and leaving them to freeze to death – as there must always be checks and balances in law enforcement to prevent abuse. However, I have read comments by people who seem to never give the police the benefit of the doubt, using even positive stories about the police to air their grievances. There is also resentment toward the police in inner city neighbourhoods. I’ll never forget the spectacle, walking home from the bus stop to my apartment in the city, of seeing an arrest taking place across the street, and hearing the (white) women on my side of the street scream and curse at the police officers (both suspect and officers appeared to be white), telling the police to leave the suspect alone. I cite these case to demonstrate that unreasonable resentment of and violent attacks on law enforcement is not something which only occurs along lines of ethnic division.
LikeLiked by 2 people
On a lighter note. . .
Anyone here remember singer Gene Pitney, from the 60s & early 70s? Some of his hit songs were “Town Without Pity”, “Twenty Four Hours from Tulsa”, & “The Man Who Shot Liberty Valance”, among others.
My friend Mike (he & his wife Cindy go to our church) was good friends with Pitney, both of them growing up in Rockville, Connecticut (about half an hour from Stafford), & their dads were friends, too. On Facebook, Cindy posted audio from a song Pitney had recorded but never released, which Mike had written, with a brief preface by Pitney talking about the song. Pretty neat.
Mike is a great guy, with a deep faith & a corny sense of humor.
LikeLiked by 3 people
Here it is, if anyone is interested. The song is called “Boomtown”, & is about how Rockville used to be a big mill town, but had deteriorated quite a bit. It’s only audio, so the screen will be black.
LikeLike
Cool pix, Donna. I managed to get a night heron in several shots of birds from Alabama, but I didn’t know it until I pulled up the photos, since they were mob scenes of lots of birds. I’ve never knowingly seen them in the wild. (I did see them in captivity in Florida. Pretty little birds.)
LikeLiked by 1 person
I enjoyed listening to that, Karen. The words were good and the music was pleasant, but I felt the music was a bit upbeat considering the subject. Did you feel that way? Perhaps it was just the time period in which it was produced that required music to sound that way. I am certainly no expert, but that was how it struck me.
LikeLiked by 1 person
Mumsee, how do you use turmeric? I sprinkled some into the tuna salad I made last night and it tastes good. What all do you use it in?
LikeLike
Janice – I think it fits the time period, & the style of many of Pitney’s songs.
LikeLiked by 1 person
Janice, I put turmeric in the rice, veggies, chicken, eggs, tuna, whatever while they are cooking. We also take capsules of it. This past winter I did not get sick and I took turmeric. I stopped about three months ago. I am sick. Not saying there is a connection…
LikeLiked by 1 person
Tomorrow I will be babysitting Little Guy on my own, from 6:30am to sometime after 3:30pm. (Any prayers are appreciated. 🙂 )
2nd Daughter will be attending ConnectiCon, Connecticut’s version (much smaller) of San Diego’s famous Comic-Con, with the McKs. She didn’t ask for the weekend off, but I knew how important it is to her, & told her to go ahead & go.
Wikipedia describes it as “. . .an annual massively multi-genre convention dedicated to ‘a celebration of pop culture – everything from anime, to science fiction, comic books and card games.’ ” Many (most?) of the people come dressed as their favorite characters, with often a lot of work & detail going into their costumes. It’s called cosplay.
Has anyone else here heard of cosplay, or know anyone else who does that?
LikeLiked by 1 person
Karen, I have heard of fans dressing in costumes for Comic-Con and other festivals for fans of comics and related media, but I hadn’t heard the insider word for it until you asked. I looked it up, apparently it is a Japanese portmanteau word, a combination of “costume” and “role-play”. The Wikipedia article was clearly written by a nerd, and goes into great detail to explain the social and psychological factors surrounding cosplay. In my childhood, we called it “dress-up” and “pretend”. Basically, cosplay is making costumes based on a character in a comic or film or game, etc. and impersonating said character while at the convention. Perfectly understandable, as I once made a Renaissance costume purely for the fun of it. There is much harmless fun in such conventions. There is also some tragedy, as some begin to live more in their fantasies than in reality. The key is not to immerse oneself so much in the world of imagination that the real world is ignored and neglected.
LikeLiked by 1 person
Karen, there is a really big gathering in Atlanta called Dragon Con. Art and I watched a wonderful program on our local PBS about it this past year. I do not know if you can find the program on the Web, but it would be great for your family to view.
There was a family in one of our son’s home school groups who were involved in it. I felt concerned that the parents were overly involved in all fantasy world. Most children in our small group went to our church with their families but these people were not in church as best I could tell. I think they spent all weekends doing their fantasy activities. This was back in the 90s. I did not keep up with the family when our group ended.
The actual weekend conference event looks fun and pretty safe although there are always fringe people hanging around big events looking for possibilities to take advantage in numerous ways.
LikeLiked by 1 person
Karen, I think you can view it online. It is really fascinating.http://www.pba.org/dragoncon/
LikeLike
Thanks, Janice. I saved the link to watch sometime this summer.
LikeLike
Karen, I copied another link that is suppose to have the whole program, 57 minutes. The other link may or may not show the whole program.
http://www.pbs.org/video/2065738625/
LikeLike
Thanks, Janice.
LikeLike
All our stuff is in one place, Hurray!. Now, if we could find what we need!
LikeLiked by 5 people
Thanks for thinking of me, Janice, I think I’m going to go with something like this: http://holyclothing.com/index.php/catalog/product/view/id/703/s/ena-empire-waist-satin-lace-renaissance-gothic-sun-dress/ in the purple 🙂
LikeLike
Kare where will the beach wedding be?
LikeLike
In Mexica at: http://www.iberostar.com/en/hotels/riviera-nayarit/iberostar-playa-mita
LikeLike
It’s Friday, and you know what that means.
The day just doesn’t seem complete without someone saying that.
LikeLiked by 4 people
I had not heard the term cosplay until a few months ago, from a co-worker who does it at Detroit’s Youmacon. The idea’s not new though; Star Trek fans have done it for decades.
LikeLiked by 1 person