It's...

Snowing in my backyard... what about yours??

8 Months

I can't believe Edward is already 8 months old. He is a little more than 20 pounds (according to my scale) and is around 27 inches. I am not doctor so none of my calculations are right on. He is a mover and a shaker. He crawls all over the apartment and laughs up a storm.

To whom it may concern:

Chase Bank Loan Modification Department:
I am terribly upset to find that you have not chosen to modify my home loan. It has been my understanding that my exact circumstance would fit into the mold of a home modification loan. My husband took a job in the great state of New Mexico, forcing me to leave behind my beautiful home in Arizona. As you are WELL aware, home prices in Arizona have dropped significantly over the last few years. Foreclosures are up 5% from the last month alone! My home is valued $100,000 dollars LOWER than the price I paid back in 2006. YES, I said 2006! The year home values soared. The same year I saved for a LARGE down payment that I will never see again. Yep, I am talking about the $50,000 dollars you took from me.
This significant drop has left me unable to sell my home. Now, I have been more than faithful to the repayment of my mortgage. Lets face it, I HAVE NEVER MISSED A PAYMENT. Even if this means I go without. As a result I have paid for a small apartment in New Mexico and my house payment at the SAME time. The cost, a mere $2400 a MONTH!
I am only asking for a small 1% drop to my mortgage rate. This would allow, the renter I have secured for the next year, to cover my mortgage with very little out of pocket from myself.
To say that I am not worthy to help because I do not live at the residence is completely unfair. Isn't this the reason President Obama designed the "Help for Homeowners" plan. I didn't read anywhere that it was only for home owners who were in foreclosure or only for homeowners that live in the homes. What would be the point? You say you didn't need the bail out money, that you made wise investments... THEN WHY DID YOU TAKE IT?? GREED!!!!!!!
GREED

GREED

GREED
It was not to help a home owner like myself, who would sell if that meant I could repay the loan I borrowed. BUT I CAN'T. So, for this purpose I am asking you to reconsider your greedy rule. Why not actually help home owners and modify their loans so that they can repay the debt that promised to pay. Why do I have to ruin my credit and be in foreclosure for you to even LOOK at my loan?

OH, BECAUSE OF GREED!!!!!

Enjoy your million dollar day, as I struggle to continue to survive while providing the tax money you so easily use for your Bentley, Porsche, and mansion.

Signed,

VERY UPSET
Julie Barnes, homeowner.

Wild Animal... I mean Baby

Sleepless in Colorado

To celebrate Sharla's
30th Birthday; Stephen, Edward, and I drove up to Pueblo Colorado. It was a nice four and a half hour drive up I-25 with Edward who is learning that his car seat is not so bad after all.

When we arrived we took a trip over to Goodnight park and pet the geese, or attempted to pet the geese. Sharla is deathly afraid of the geese so she screamed every time one go to close. I; however, tried to pet them and ended up chasing them away. Edward had fun throwing pieces of bread at the birds in hopes of getting them to come just a little closer.

Monday, Kendra, Michael, Wade, and Sharla joined us for a jaunt across the highest suspension bridge in the world (or so they say). After watching Kendra and Michael swing over the top of the Royal Gorge we headed to the bottom to ride the train. It was a relaxing trip as Edward slept most of the train ride.

We celebrated Sharla's birthday with some cupcakes and then headed to bed. BRRR! Colorado is freezing at night! I shivered and held Edward tight in hopes of creating a little more body heat. We drove home early Tuesday morning and I felt completely wiped out. I slept two hours then went back to bed at 8 pm. I feel a little caught up now, but as usual, I can always use more sleep.

Happy Birthday, Sharla!!!