One Day in the Life of a Wolf - Memorial 7-25-20

[MacTheWolf (imported)]

Mom comes home from the nursing home in a few days (hopefully) assuming County social services don't stick their noses in again.

Good news.. Mom has agreed to take out a loan to cover the following:

• Cutting the antenna off the house (so house can be tented)

• Tenting the house (3 day process)

• Motel for her and I during the three days of the tenting.

• Boarding two dogs and a cat for three days.

[n3rf (imported)]

Dear Wolfie, I just got a small booklet from a vitamins store -

very well laid out - www.swansonvitamins.com at 1-800-437-4148 and I was thinking about Your MOM and the needed Health-Food-Supplement-Program you can get her on.

Get their cathalog and study all their explanations.

I tell eveyone that Drugs are not Food, Also I say that Food and Trace elements and supplements can heal a persons body better than Drugs . DrDay explains this so well on her VHS tape that I am still listening to from my VCR when I get a chance. So get with it and with a Brain-version of HERvery own Nutrition Program , You and she will enjoy the Years You have together much more. Regards JSm N3RF

[MacTheWolf (imported)]

PRACTICAL DEFINITION OF CATCH-22:

I spoke with the social worker at the nursing home where mom is at now. She expressed concern over releasing her due to the current cockroach infestation our house is experiencing.

I explained to the social worker that mom had FINALLY agreed to get a loan to get the house de-bugged. I told her when mom comes home, she'd apply for a $2,000 loan to get everything done so we can be bug-free.

Hence lies the problem. The social worker agreed the loan was a great idea BUT said, "you mom can't return home until it's all over with." I tried to tell the social worker, "I had no income and mom has to apply for the loan herself and I doubt that a loan officer is going to visit a nursing home for her to apply for the loan.

The social workers reply was, "Until your house is bug-free, your mother can't go home."

Yup, that's a real Catch-22.

Gawd, I hate social workers.

What was that old line....."take out all the insurance salesmen, telemarketers, politicians, teachers, labor leaders and shoot them down like dogs." Feel free to add social workers on that list too.

P.S. I'm an ex-teacher.

[Christina (imported)]

Perhaps if you explain the situation to the loan officer they might be sympathetic to your cause and make the visit to see her?

[Uncle Flo (imported)]

It might be possible to get the papers to your mother at the nursing home where she can sign them with the staff as witnesses or possibly even find a notary on site to witness the signature. --FLO--

[Slammr (imported)]

PRACTICAL DEFINITION OF CATCH-22:

What was that old line....."take out all the insurance salesmen, telemarketers, politicians, teachers, labor leaders and shoot them down like dogs." Feel free to add social workers on that list too.

P.S. I'm an ex-teacher.

Social workers and government bureaucrats should definitely be at the top of the list. I was a foster parent to three of my grandchildren for a while, and I grew to hate the idiots I had to deal with.

[MacTheWolf (imported)]

I talked to a loan officer at a national mortgage company, told him my problem and asked for his advice. His advice was as follows:

1. He said don't use his company or any other loan company as the minimum they will loan out, via a mortgage, is $20,000-$25,000. We don't need THAT much.

2. He suggested I call the city and county on Monday to see if there are any loan, grant or voucher programs to aid seniors in need of roach infestation.

3. He also suggested going to my mom's bank on Monday, telling their loan officer our problem in full and seeing if mom/I could get a temporary $2,000 line of credit and or a temporary $2,000 credit card to cover the expenees to get mom back in her own home sooner. I have an apppointment with her bank officer in Redlands on Monday.

I'll have a more appreciaiative/practical outlook on life by next Monday or Tuesday

[kristoff]

I talked to a loan officer at a national mortgage company, told him my problem and asked for his advice. His advice was as follows:

1. He said don't use his company or any other loan company as the minimum they will loan out, via a mortgage, is $20,000-$25,000. We don't need THAT much.

2. He suggested I call the city and county on Monday to see if there are any loan, grant or voucher programs to aid seniors in need of roach infestation.

3. He also suggested going to my mom's bank on Monday, telling their loan officer our problem in full and seeing if mom/I could get a temporary $2,000 line of credit and or a temporary $2,000 credit card to cover the expenees to get mom back in her own home sooner. I have an apppointment with her bank officer in Redlands on Monday.

I'll have a more appreciaiative/practical outlook on life by next Monday or Tuesday

Meeantime, take that social worker into a closet and punch her out. Do the world and yourself a favor.

[A-1 (imported)]

I talked to a loan officer at a national mortgage company, told him my problem and asked for his advice. His advice was as follows:

1. He said don't use his company or any other loan company as the minimum they will loan out, via a mortgage, is $20,000-$25,000. We don't need THAT much.

2. He suggested I call the city and county on Monday to see if there are any loan, grant or voucher programs to aid seniors in need of roach infestation.

3. He also suggested going to my mom's bank on Monday, telling their loan officer our problem in full and seeing if mom/I could get a temporary $2,000 line of credit and or a temporary $2,000 credit card to cover the expenees to get mom back in her own home sooner. I have an apppointment with her bank officer in Redlands on Monday.

I'll have a more appreciaiative/practical outlook on life by next Monday or Tuesday

Mackie,

You could look at the loan very carefully and make sure that there is no penalty for early re-payment and take it. Then after you have done what you need to do to the house, take the remainder of the proceeds of the loan and apply that money back to the principal of the loan.

Or, alternately, you could take the loan out. Generally, home mortgages are at a low rate of interest, 5-6%. You can get much better returns than that from investments Dean - Hilliard, A. G. Edwards, Morgan Stanley, Charles Schwab and the like, and make investment returns in the 9 - 10% range. Take out the loan and invest what you do not need. Then, the 4-5% that you would get on the money after you paid would be profit. Taking that to make the mortgage payment should leave you with 2-3% of the principal per month as permanent income.

This could run the life of the mortgage and after the mortgage is paid off you should still have money in the investment equal to the proceeds of the mortgage.

You can make your home generate income for you in this manner.

You students out there reading this, it works with student loans, also...

Mackie, whatever you do stay the hell away from credit cards. Some now have interst rates in excess of 20%...

[MacTheWolf (imported)]

Well...I didn't get to the bank on Monday as I just recovered (mostly) from a 37-hour migraine. I spoke with the loan officer today. I have a simple, two page app to fill out. Only tricky part is finding a copy of mom's income around her cluttered filing cabinets. The bank wants one of two things: (1) copy of her tax forms last two years...hmmm she said she didn't file...oh well. (2) copy of her monthy social security and retirement income which is here... somewhere .

Oh, the bank said I would be applying for a $5,000 Line of Credit. $5,000 seems to be the minimum amount one can go after.

That the news.