Relax, it's just Life!

Seriously.

I rarely get sick – last time was about fifteen years ago! I’ve been VERY sick since Sunday. Was told, “probably virus, maybe allergies, and if not better by Friday take this antibiotic as it’s most likely bacterial.” Okay. Antibiotic it is!

There were a few more things that made me sick this week. I am never late on a payment as we are trying to keep our credit good, though I can’t figure out why right now!

I mailed Juniper (Barclay’s bank) my payment on the day it was due. Whoops – hey, I’m really sick and my husband is out of town trying to hold things together. The same day I got a letter from Juniper saying they hadn’t received my check on the 12th and now I have added a $39.00 late fee. Yikes.

I was pissed. That’s the only word that fits. I got on the phone and called. Well the customer service representative was in the Philippines and I could hardly understand her.

Let’s see – corporations out source work to the Philippines, India, Mexico, and who knows where else. No work here – unemployment claims went up 25,000. last week. ☹

Anyway, back to no help.I got put on hold, transferred, disconnected, and then called again to speak to another Filipino gal. She said we could resolve it. No grace period, but as a one time courtesy they would remove the late charges if I would pay another $35.00 by phone this very same day! Remember I have NEVER been late with a payment in all the years I’ve had this account. I almost said something I would have regretted. I know this young woman is not to blame. It is the banks we bailed out. ☹

Moving on to the next complaint. (Remember it’s always good to get feelings and complaints out even if it’s just writing.)

I applied with Costco’s “mortgage” partners for a great deal to refinance my home, the Lending Tree. Remember I have GREAT credit and payment record with all three credit agencies.

First of all they ran a credit score from all three agencies for my husband and myself. Our credit average is 792. It somehow slipped from the low 800’s and I haven’t a clue why!
We have done nothing to have it lower.

Next the best they could do for me was 5.8460 % (my rate is 6% right now. The total cost would be $5,746.92.

My mortgage is a pittance: I owe $163,723.65. Been in the home 20+ years. If I refinanced this amount the finance charge over the years would be $178,628.79, with a total payment cost of $345,628.79. Sweet, eh?

I would be better off to go to prison for life where I would get no hassle medical, dental and glasses (Medicare, by the way doesn’t cover dental or glasses, and most doctors won’t cover a hysterectomy if a woman needs one and has medicare.)

Of course if I was an illegal alien I would get all my medical for free – plus my kids would be covered and when school was out I could be assured for hot meals for the kids everyday for free.
The state of California is so generous. Oh, our state tax just went up 10%. Do illegals pay taxes? ☹

Back to prison. I could get my education, work out every day without the cost of a gym, have free psychological help, and from someone I know who’s son is in prison – get the best drugs ever! Hmmmmm. Did you hear one of the 911 terrorists came to America on a visa years ago and was given a twenty thousand dollar education paid by taxpayers?

Next. Heard about the “creation” of life without genetic background? Only took 40 million dollars to be able to do this little project. I wonder if these creatures would have a spirit or just be little robots to control. Oh, also, during these scientific studies I understand there is a fear of some bacteria being released that could harm millions – probably won’t happen though. ☹

Census takers are nearing the end of their jobs……there goes all that flurry of happiness about “new jobs” being created.

Be prepared for another round of foreclosusres. It comes in July (all the arm loans, I believe). Also, seniors were not given a cost of living increase this year. Oh well, the social security they’ve earned over the years will cover any expense – NOT!

It is amazing to me nothing was mentioned when Mexico’s president was visiting about the increased gangs and cartel bringing drugs into this country. That’s right, what is more important is for it to be mentioned American weapons are getting into the hands of bad men in Mexico. Tsk tsk. Kind of follows the theme Democrats are following on gun control it seems to me. (I am a political atheist. I belong to no group – well maybe the tea party).

So I ask you, WHERE’S THE HELP for the vaporized middle class Americans who have slaved all their lives and paid into taxes and social security, and not faltered on payments due. We go from week to week and have little or nothing left over. Falter a couple of weeks and our lives will change – and who knows, maybe it will be better in this MexAmerica melting pot. I used to love to walk in the woods, but the armed Mexicans with the cartels kind of put a hex on that. I am not a bigot by the way.

Humans are humans and I would help anyone if they needed help. I just tell it like it is, and every time I watch the LOCAL news the problem is with convicts released early, child molesters, and Mexican residents. Hey – I’m just reporting the news honestly.

Now back to being sick…….at least it helped me to get it out!