32 thoughts on “Our Daily Thread 4-11-18

  1. Morning all. Much to pray about in our blog family. Grieving with Michelle and her family and praying for Chas and Elvera in this week of changes and stress. May God sustain you all. Kinder continues to be an adventure. Torrential rain during our short, afternoon recess. The kids love it, so some of them came in just soaked.

    Liked by 5 people

  2. Roscuro, it definitely was “When I Survey” – I double-checked it in the hymnal when I was at church last night.

    Like

  3. Morning! It is still very dark outside! It is to be very very windy for the next three days..wind…ugh! Jo just the thought of those soaking little children causes me to smile. Oh the sweet memories of going outdoors, standing in the rain, jumping in puddles and breathing in the fresh scent of rain…long lost days of childhood! ☔️
    Continuing to ask our Lord to bring you strength Chas , healing to Elvera’s bones and calming to her confusion of the situation. We love you both and ask Him to give careful watch over thee ♥️

    Liked by 4 people

  4. https://www.wsj.com/articles/my-10-year-odyssey-through-americas-housing-crisis-1516981725

    Michelle sent the above article to me to read. Sadly I am quite familiar with that neighborhood. I seriously looked at buying there when G and I divorced in 2004. It was closer to my dad and stepmother, but really outside of all my other support. I was also working for a commercial real estate firm in Foley at the time. I chose to go another direction.
    I ended up buying a townhouse in Daphne that August for $94,000. In March of 2006 I sold it for $136,000 on the advise of a brilliant but morally corrupt individual who shall be referred to forever more as The LCRBASOB. I will refrain from telling you what those initials represent
    I am also familiar with the stories of some real estate agents, mortgage lenders, or title companies that either went to prison, or managed to leave the country before the hammer dropped.
    I survived the crash because in February of 2009 I went to work with Guy and we handled a lot of short sales. They left me feeling slimy, but I also needed to keep the wolf from the door. While I admire this man for living up to his obligation to pay the mortgage, sadly he would have been better off to let this property go into foreclosure. He suffered for 10 or so years when he could have only suffered 7. (A foreclosure on your credit goes away after 7 years–or did and during that time banks understood and cut some deals).
    The SADDEST part of this whole debacle is the BANKS. The government gave OUR money to the banks to bail them out and the banks gave America a giant middle finger (my apologies for the vulgarity). Banks gave presidents and CEO’s giant bonuses when the Average Joe and Jane were drowning in debt. There are bankers that deserve to be buried UNDER the prisons!

    Liked by 1 person

  5. Kim, that 8:57 link is eye-opening. I knew it was bad, but not that it was that bad. I bought my house in Nashville in 2003 and insisted on getting one within my own financial comfort level, not what the agents and banks were suggesting (their level wasn’t much higher than mine, but I stuck to mine anyway, ended up buying well within my own dollar amount . . . but paying the difference by paying for problems that came up, electricity and water and then a broken a.c./heat that first Christmas). Freelance brought in less than I expected and I went through my savings fixing up the house, but I’d been prudent in getting a 20% down payment, 15-year mortgage within my means, and leaving money in the bank. I had a home equity line of credit and periodically borrowed $1,000 or so and then paid it back when I could, gradually whittling down the mortgage and watching for the day it would be paid off and I could breathe easier. I sold it in 2012 after we married, after a few months on the market, for 10% less than I had paid for it (and not counting all I’d put into it to take it from a house in poor shape to a decent home, so really I lost about 20%). I comforted myself that I had “lost” money but probably still came out ahead than where I would have been had I been renting all those years with nothing to show for it, and it had been my own house and I’d been able to get the dog I hadn’t been able to have in my years as a renter.

    I knew it got bad and that had I waited to buy I wouldn’t have been able to, at least not for a while, because when I bought they were giving loans to anybody and everybody. I’d read that one needed two years of established income to buy when one worked freelance, but interest rates dropped so low that it was tempting–I could buy for the same amount as I was paying rent for a single bedroom in someone’s house plus a storage locker for the rest of my possessions–so I went ahead and applied and got the pre-approval. The lender told me I could ask for more and get it, but I told him no, I wasn’t comfortable with more.

    Anyway, I “knew” a lot of people went underwater with their mortgages in that time, but I never really knew how bad it was.

    Like

  6. Just before the market crashed, I edited a book about ministries in Chicago that did various things to help people. One was talking about taking renters through a class on home ownership (things like some do-it-yourself repairs, finances of a purchase, etc.), and they rewarded those who faithfully attended the class by matching their down payment, as I recall matching up to $750 (a $1,500 down payment), and they talked about how hard people worked to get together that down payment. They were pleased that in the year or two since they started the program, this many people had gotten homes and only one or two had lost them.

    I read it and thought they weren’t really being all that helpful. A $1,500 down payment is nothing in Chicago; that is a poor neighborhood they were working in, but the two-flats there were still $175,000 or more, making $1,500 less than a 1% down payment. Property taxes are about equivalent to rent of one of those units, so you’d have to keep one of them rented in order to pay your bills. But the mortgage would cost more than you had been paying in rent, and then you’d also have to maintain it (snow removal and lawn care in addition to any repairs) and insure it. If you made it all the way to the end of a 30-year mortgage you would be better off then . . . maybe. All of the bets of buying a house with a 1% down payment are that property values continue to go up, and I knew that homes in Chicago were overpriced and probably set for a crash. Further, a buyer who can barely scrape together a 1/2% down payment isn’t in a position to pay a high monthly outgo, doesn’t have the necessary miscellaneous funds for owning (buying a lawn mower, buying paint), and certainly doesn’t have the money for a new roof or new windows or even a new toilet. You’re throwing him into a responsibility that a class on home ownership can’t really prepare him for if he isn’t also prepared financially.

    It seemed to me that it would have been more useful for those would-be homeowners to do something like having the ministry buying repossessed drug houses, letting them put in sweat equity to get them into shape, selling each house at an affordable price to someone who has been doing the work and is prepared to take on the payments and letting someone who is waiting for a house rent the unit needing rented, and so on. “Owning a house” doesn’t magically put you in the middle class; it may pull you into foreclosure and bankruptcy, leaving you without a house at all and worse off than when you rented. (It isn’t all that easy to find rentals on the West Side of Chicago, and harder still to find any in decently safe neighborhoods.)

    I had all those thoughts about that version of “helping” poor people get houses before the market crashed, but it did so within a year, and probably a high percentage of those people lost their houses in the next five years, and the rest were underwater.

    My advice to anyone looking to buy is that except in very unusual circumstances, if you can’t afford a 20% down payment with half the amount of that down payment in the bank for repairs and maintenance, then you can’t afford this house. Buy a used mobile home (so that you can pay less than you’d be paying in rent) or a small condo as a starter home, or rent really cheaply (that’s what I did) and save everything you can for that future down payment. But don’t buy a $350,000 home if you only have a 2% down payment and the payments will be a real stretch, thinking that you can sell it in five years for a profit and move into a $500,000 mortgage and so on. That is a dangerous game, and it also defeats the real advantage of home ownership, which is NOT that a house is an “investment.” It isn’t. It’s a place to live, and its value on the market may go up or down. But the real value of home ownership is that at some point you have paid off your mortgage and you stop making payments. If you “buy” in such a way that you continue to make mortgage payments until you are 80, then you might as well rent instead–it’s cheaper to rent and less headache (and more flexibility) than to buy without ever being mortgage free.

    Like

  7. Sixteen year old daughter is in a program. “They” come to pick her up at eight, drive her to her place and then bring her home at noon ish. Monday, they picked her up about ten minutes before eight. It is now twenty minutes before nine and she is still waiting. Kind of irregular on the pick up.

    We knew we would not be able to control a lot of the input they would have but we did ask them not to feed her and explained she gets plenty of good food at home but had gained sixty pounds in short order. They agreed though I saw the hesitancy. She has now gained another ten pounds in the first two weeks with the program. They feed her coffee with stuff, chips, peanut butter crackers, cheese crackers, candy, protein bars, and fruit cups. She is only there about two hours three days a week. Frustrating.

    On a good note, she has been quite pleasant to have around for the past month and a half.

    Liked by 4 people

  8. They never came to pick her up. Husband called to ask what was up. They said somebody wrote cancel on the pick up for today so they did but they don’t know who wrote it or why. She waited and would still be waiting but I told her to come inside.

    Like

  9. Chas – I remember my MIL’s confusion and distress at certain things that happened to her, especially when we had to go against her usual routine. My heart goes out to Elvera, and to you.

    Liked by 1 person

  10. Another day of school done for the boy. He is outside playing with Connor and the dogs. I wrote an appeal to the insurance, as they denied 2 claims for surgeries done after Miguel’s accident. We are praying they will look favorably upon them.

    Continuing to pray for Chas and Elvera and Michelle and crew.

    Liked by 2 people

  11. She had a nice day .
    They took her to therapy twice.
    Linda came over and I left with her a little after 4:00/ /
    It wasn’t as difficult as yesterday, probably because Linda was with me.
    We will have a conference on her status tomorrow.
    Thanks for the prayers. She needs to get well and I need stamina.

    Liked by 8 people

  12. On Facebook, I shared this article (which DJ then shared on the News/Politics thread last night), about bias against conservatives. (It also makes the point that conservatives who are bothered by bias against conservatives should have more empathy for other groups that face even more bias.) YF left a long comment, pretty much proving the point of the article without realizing it. I had to laugh at seeing Linda “react” to her comment with the laughing face.

    I’m being careful about how or if to respond to her. (YF, that is, not Linda.)

    Thankful to DJ for adding her thoughts to my post.

    https://www.washingtonpost.com/opinions/bias-against-conservatives-works-like-any-other-prejudice/2018/04/10/17fa1838-3c40-11e8-974f-aacd97698cef_story.html?utm_term=.8ca14d5ca4ab

    Like

  13. Quiet day on the blog. Interesting when the numbers on the politics thread are greater than on here. Just heard the horn meaning it is quarter to eight, time for many to head for work. We have had a very positive response at school with many volunteering their time to help out teachers. Even someone volunteering to teach parttime when they return. The most exciting part for me was when six of us gathered for an hour of prayer yesterday afternoon. That is amazing. I prayed alone for quite a long time.

    Liked by 3 people

  14. Not very chatty indeed!! Good to hear Elvera had a good day…Chas try to rest up…easier said than done but I am praying to that end…. ♥️
    I am off to a gathering of the neighborhood ladies…always good to connect and laugh…
    I got a bird today!! It/he/she is a Society finch and she…that’s what I’m going with!) is a creamy tan spotted lovely…she is singing away in her new home (an antique brass cage) The dogs are going batty not knowing just who has invaded this home making a sound that should be outdoors not indoors in their estimation!! 🐦 🐶

    Liked by 4 people

  15. NancyJill, doesn’t singing suggest you have a male? Female birds sing in a few species (cardinal, mockingbird, song sparrow, and I’m sure some others), but generally not as much, and most females don’t sing.

    Like

  16. For some reason today has been a tough day. I think after having lunch with daughter yesterday and seeing that she was okay and that her work was doing the right things for their staff and learning that she has many people looking out for her and loving her that I finally had time to process all that happened with the bus crash. Another victim passed away today bringing the total dead to 16. It’s just so sad. Thankfully the coach was a Christian and the salvation message was shared by the team chaplain at a vigil held Sunday night. So many people I know have connections to people on the bus. It’s hard to wrap my mind around it all.

    On another note: how fun, NancyJill, to have a singing bird in the house!

    Chas, still keeping you and Elvera in my prayers.

    Jo, isn’t it wonderful to pray with your co-workers?

    I am very grateful for this group of people!

    Liked by 7 people

  17. Kare – A friend here in town is a “hockey mom”, and her son, a goalie, is, or is close to, the ages of those boys. She cries whenever she thinks about them, and as a Christian, I know she is praying, too.

    She also happens to be involved in the local CERT (Community – or Civilian maybe? – Emergency Response Team) and has a lot of regard for first responders. I’ll try to remember to mention your daughter and the others to her, but I’m pretty sure she’s already praying for them, too, as she often reminds us to pray for the first responders that respond to various tragedies.

    Liked by 1 person

  18. As for me, I’m in another wave of grief, I think. Yesterday morning, while brushing my teeth, I was thinking about Hubby and the circumstances of his death, and it all hit me hard again. I wept more, and harder, than I have in a while. Then I’d be fine for a while, then I’d be sobbing again. Started again this morning.

    As I cried, in my own state of grief, I prayed for all the others that I could think of who are also grieving, including Michelle’s family, KBells’ family, and Leslie’s family. I know there were others but I can’t remember right now.

    I also thought of Kim’s friend Lee, and how well she is doing, and that made me happy for her and her family. I have a couple friends my own age who came thisclose to losing their husbands last year, but God intervened. I do not resent them or feel envy towards them. I rejoice that they don’t have to go through this, at least for now. (But of course, I do wish we could have had a similar story.)

    One man had sepsis and wasn’t expected to live through the night. Not only did he live through that night, he was eventually recovered and was released from the hospital.

    Another man had a stroke and a heart attack, and as the EMTs were doing CPR, they couldn’t get his heart to start beating again. After several minutes, she dropped to her knees and called up the name of Jesus, asking Him to touch her husband. At that moment, his heart started again. His recovery from the stroke and heart attack was amazingly quick.

    Liked by 5 people

  19. Re-reading one of my comments, I’m giggling. I wrote that my friend “called up the name of Jesus”. Called up? On the phone? What was I thinking?

    Obviously, I meant “called on” not up. I don’t know why that strikes me as so funny. 😀

    Liked by 2 people

  20. Tomorrow Nightingale and I are going to the DMV to get the name on the titles to the cars changed to my name, and to see what we have to do to transfer them to her. Not sure if she just has to buy them from me outright, or if we can merely transfer the titles into her name. (The cars I am referring to are the one that Hubby had, and Nightingale’s car, which was registered in Hubby’s name because she was behind in paying her car taxes when she bought the car.)

    Anyway, I don’t know if DMVs are the same in every state, but I know that we will probably have a long wait, even if we get there early. When we went to get my non-driver’s ID last fall, we were there over two hours. Taking World magazine with me to read while I wait, which is what I did last time, too.

    Liked by 1 person

  21. Kizzie, I doubt she came back to read much of that from what you’ve told me in the past. But my hope was to point her away from the political arguments and toward Scripture, how God calls us to react and behave in light of disagreements.

    I do remember being young and very “political,” if you will, so I kind of get where she’s coming from with her zeal. That said, it does come off as haughty and judgmental — I just don’t think she has the eyes to see that. Guess we can only hope she reads some of what is written and that it causes her to pause a bit and re-think her attitudes. We’re not calling her to change her views, only to approach others who believe differently in a spirit of grace and understanding rather than knee-jerk condemnation.

    Liked by 1 person

  22. On the working assumption that she is a believer, as well. Was her upbringing as ‘conservative’ as she says? Were her parents believers or church goers? Where does she get her ideas (assumptions) about Christianity?

    Like

  23. I would guess that the self-righteousness of youth (I suffered from it, too) is partly what makes it easier for nations/politicians to recruit for war, worthy cause or not.

    I am not against all wars, sometimes war is the lesser of two evils to be sure. But the zeal and the assurance of being in the right, so common among young people, reminds me that if it weren’t for that, who would be left to go?

    Liked by 1 person

  24. Just catching up here after having an evening with the neighbor ladies….thank you Cheryl for the heads up on males singing! I knew that of canaries but hadn’t a clue about it being so with a finch! So “he” is sleeping soundly all puffed up on his swing now, the cage is covered up for the night…he is just so much fun to watch and listen to…the dogs are still confused! 😊 good nite all…. 💤

    Liked by 2 people

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.