It’s Thursday, so don’t forget to pray for Jo, her students, and the people of PNG.
Anyone else?
Psalm 21
1 The king rejoices in your strength, Lord.
How great is his joy in the victories you give!
2 You have granted him his heart’s desire
and have not withheld the request of his lips.
3 You came to greet him with rich blessings
and placed a crown of pure gold on his head.
4 He asked you for life, and you gave it to him—
length of days, for ever and ever.
5 Through the victories you gave, his glory is great;
you have bestowed on him splendor and majesty.
6 Surely you have granted him unending blessings
and made him glad with the joy of your presence.
7 For the king trusts in the Lord;
through the unfailing love of the Most High
he will not be shaken.
8 Your hand will lay hold on all your enemies;
your right hand will seize your foes.
9 When you appear for battle,
you will burn them up as in a blazing furnace.
The Lord will swallow them up in his wrath,
and his fire will consume them.
10 You will destroy their descendants from the earth,
their posterity from mankind.
11 Though they plot evil against you
and devise wicked schemes, they cannot succeed.
12 You will make them turn their backs
when you aim at them with drawn bow.
13 Be exalted in your strength, Lord;
we will sing and praise your might.
Wandering Views 
We still haven’t gone to the bank yet (we’ve decided not to put Nightingale’s name on the account for now after all), but I thought of something this morning that gave me pause.
As I wrote about last year, a few months before Hubby died, we had a HELOC that timed out, so to speak, and was rolled over to a home equity loan. I’m pretty sure that getting that loan was based on Hubby’s income.
Initially, after his death, Nightingale and I thought we would pay off the loan when the life insurance money came in.
After doing a lot of thinking and figuring, we realized we couldn’t make it for the next three years (until I will then be eligible to collect Hubby’s Social Security) on her income plus the little that would be left over from the insurance after paying off the loan.
So, as I’ve mentioned before, we thought the wiser thing would be to continue to pay the loan payment each month and have the rest of the insurance money to draw off of. (I “pay” myself each month the amount that I will eventually get from Social Security, with the rest being for emergencies and home repairs. There were also some medical bills not covered by insurance that I paid off.)
But this morning, the thought that occurred to me was this – With Hubby now gone, is the bank likely to call in the whole loan, since I don’t have the income he had?
I sent a message to an old friend, David, from our former church, who is the branch manager (I think, or something important like that) at one of the branches of the bank we use (but not the branch we usually go to) detailing all of that, and asked him about it. He is at work now, so I don’t expect to hear back from him for a while, maybe not even today.
In the meantime, I am trying not to panic, trying to commit this, too, to God, and trust that He will work it all out, somehow. (I will not mention anything to Nightingale about this until I hear back from David.)
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Kizzie, my husband is a former banker, so I ran your question by him. He says that as long as your loan-to-collateral is fairly low (say 50% or less of the value of the home), what matters is the collateral and that you’re paying the loan on time. He doesn’t know your state, of course, and he said it could be you have something weird written in the loan, but he did do banking in several states, and he says the bank probably doesn’t care about income in terms of repaying a loan that is already taken out. I wouldn’t recommend going to your bank and asking the question–you are not morally obligated to do that, since the contract has already been made, under conditions as they existed at the time. Just keep making the payments, and your financial situation shouldn’t matter to them.
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Thank you, Cheryl. Yes, the loan is less than half the collateral. And no, I wouldn’t bring this up to them if they didn’t. Not gonna go looking for trouble.
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David got back to me, and said that as long as the payments are being made, there would be no problem. That is a relief, as was Cheryl’s comment above.
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