Bowling update / Weekend plans

Retalix Strikers, my bowling team, didn't bowl so well this week, or last. "Sweetie" stopped in to the bowling alley tonight with her son, "Other Two" and watched our team lose two of our three games. Last week, we only won one of three games as well, so the team has moved from first place last week, to probably 4th or 5th after tonight. Our team captain is out for a few weeks with a sore elbow on his bowling arm, so we are a player short... However, that doesn't account for our recent losses, that is due to our less than stellar athletic performance. The good news is that it is still early in the season and if we can just bowl our average or better, we can easily regain our position in first place.

This weekend my brother's wife is going out of town, and because he has to work, and his oldest son wants to play in his football and soccer games on Saturday, they are staying at home. My brother will be working at Heinz Field during the Pitt and Steelers games on Saturday and Sunday, so I get to spend time with my nephew again.

My nephew is coming over Friday night after I get done with work and is going to spend the night with me, and my kids;"Two" and "Four." I think my daughter, "Three", will be coming down as well, so I will have a full house. We may go catch up on the current movie releases at the theater, rent a movie or two, or just sit in front of the wide screen TV and play video games on the PlayStation. Saturday we get to take him to his flag football and indoor soccer games. He really enjoys soccer, but football doesn't yet seem to get his enthusiasm going.

I am really looking forward to a non-work, fun filled weekend with the nephew and the kids.

Later Lou

Lost Patience... twice...

Well finally happened.... My patience got lost, and got lost good. Fortunately I found it, but then I lost it again. WARNING: If you like a quick read, you might want to skip today's post.

Yesterday was going to be a great day, because it was a vacation day, and only things I chose to do would be done, and done at my own pace. I took a vacation day because the marital home needed the heat turned on so the pipes wouldn't freeze this winter, and also so the house would be more appealing to the future owner. Running water, working electricity and heat are good selling points, I think. Columbia Gas scheduled an an appointment with me at their earliest, which was Wednesday morning. They said a technician could be there sometime between 8AM and 12PM, and since they had no weekend or evening appointments available, I accepted the appointment and submitted a vacation request.

Being that work is so important and I didn't think I should miss any of it at all (smirk), so I briefly considered taking only a ½ day off, and saving the rest for the holidays. But I reconsidered and submitted a vacation request for the entire day. Besides, it was Halloween and I wanted to enjoy the holiday, by cleaning up the marital home yard, getting the gas turned on, checking to make sure the furnace was working, and still have a little spare time to relax and get ready to take the kids out for "Trick or Treat."

Halloween morning started with me awaking in a panic. It was 8:15AM, and I was late for work. Slowly when the Halloween cobwebs cleared, the panic subsided as I remembered that it was a vacation day, and that I only needed to get up and get ready to go to the marital home to get the gas turned on, and to clean up the yard. Before I packed the car with the yard care equipment, I cut the grass at my Duplex, and picked up the street garbage from the sidewalk and the side of the building. I then packed and arrived at the marital home around 10AM.

Since the lawn mower is incapacitated, I had to use the weed-whacker... (remember I bent the blade back in September). It was slow going, and I hadn't gotten very far when the phone rang. While it was ringing, pleasant thoughts were going through my mind, about how smooth the day was going; I was not at work, grass was getting cut, the gas company is calling right on time to tell me they are on their way. Surprise! The call was from Sweetie, and my day was made perfect. It just couldn't get better.

At this point, it should be mentioned, (and it is pretty close to a scientific fact) that I have really bad luck.

Sweetie called not to be sweet, but because she was upset because her son "Other Two" was sitting in the principle's office at school, and she was stuck at work. I offered to go, but she said that her Ex (his Dad) was going, so I didn't need to, just that she was upset and worried because she didn't know what had happened. To help her calm down and get some answers, I suggested that since she couldn't be there, she should call and talk with the principle. She liked my idea and she called the school, and then quickly called me back and and gave me the scoop, with even more concern than before the call. She told me that he was being suspended, but didn't give me any details, because she didn't know all of the facts yet. He was OK, just sitting in the school's office waiting on his Dad to pick him up. She went back to work, and tried really hard to not worry too much about "Other Two", and I went back to work on the yard.

BTW: Patience was still there at this point, but with that bit of bad news, I felt my luck was starting to run out, which doesn't bode well for patience.

As it started to near lunch time, about 11:30AM, I called Columbia Gas and asked where the technician was, since he was supposed to be at the duplex in the morning, and morning was just about over. The gas company representative politely put me on hold, apparently did a little research and told me that the tech was in the area, and I would be his next stop, but it would be just a little after 12. After a brief complaint that my morning was wasted waiting, I asked if they would make it up to me by giving me a credit on the account. The response was "Sorry. I can't do that." The phone call was ended with a snide comment on my lips about how "convenient" it was for them to not be able to help or make me feel better... Patience almost got lost, but it held on.

An hour later, 12:30PM, still no technician. A second call to Columbia Gas and a different representative, that told me some interesting facts I hadn't heard before. The appointment was listed in their system as an "all day" appointment and that the tech would be there sometime before 4:30PM, instead of before 12PM. My explanation to the rep that I had a morning appointment, and that I had recently spoken to another representative that fell on seemingly deaf ears. The representative told me sorry, there wasn't anything they could do to help, I would just have to be patient, and the tech would be there sometime today.

That's when the patience got lost.

A tone started to develop in my voice, which was hard to contain, and I expressed that waiting was unacceptable as I had already waited a long time. I tried to calm down and ask the representative if they could find out how soon the tech might arrive. They said they had no way of knowing. My teeth started to grind together, and between the clenched jaws, I attempted to ask politely for the rep to check with the dispatch department, or a supervisor, or a manager. "Sorry, I can't do that" was the immediate response. At this point the jaw came unclenched, the lungs filled with air, and my voice got very noticeably louder, and reminded the rep that "I am the customer" and I demanded I be helped and helped now. "Sorry, there is nothing we can do for you". My voice rose a few more decibels and demands to talk with someone else, another representative, a supervisor, a manager, or any other living person working for their company. "Sorry sir, I can't transfer you, no one else will be able to help you". My face when deep red and the patience didn't just get lost, it fled! In my loudest, angriest, nastiest voice, which is usually keep reserved exclusively for "Ex", I said, "Give me a supervisor NOW!" And after repeating those words multiple times, I finally got transferred to a supervisor.

The supervisor came on the phone all polite and kind, and immediately called the dispatch department and found out that the tech was detained on an emergency call, and that they apologized for my inconvenience. With just a little consideration my face returned to normal colors, my noise level generated by my own voice lowered so I could hear the music on the radio, and patience returned. I quickly explained to the supervisor that I had scheduled a morning appointment but that it was put into their system as an "all day" appointment, and that I was pretty upset at the amount of time I have been waiting, and how upset the representative I was just speaking with had made me. To appease me even more, the supervisor gave me a $40 credit on the account, and almost all feelings of displeasure left me.

Hopefully that phone call was recorded or monitored for quality assurance, and the representative is told to find another job where their talents could be used... maybe they should work for Comcast.

Patience was recovered, and all was right with the world again.

After I got my $40 credit for the wasted morning, I went to lunch, and read the newspaper. The technician finally did arrive at 4PM, after a third call to Columbia Gas in which I was politely told that he was still on his emergency call, but would be there shortly. When the tech arrived, I found he was a very personable guy and we started talking about the day. He said his day a pretty bad one. He was at a house that had a pretty bad leak right outside and he was trying to fix it before there were any major problems, like explosions.

He took a few minutes and adjusted the gas meter, and quickly got the gas turned on, checked for leaks, and even went above and beyond and helped me insure that the furnace would light.

While we talked he told me that his son was looking for a cheap place in the area to fix up and move into, and I said I was selling this place, and maybe his son would be interested. He asked the price, and I told him and he said he thought his son would be very interested. I showed him around the place, and he was the first person I showed the house to that saw potential instead of problems. I gave him my business card. Now the question is, was he blowing gas up my tail pipe, or was he serious? If he was serious, I could finally get the Albatross off from around my neck, without the need to hire the Realtor, and all of the other repairs.

Later that night, I took the kids trick or treating and afterwards I went over to visit "Sweetie" and "Other Two," since "Other Two" was not allowed to trick or treat because of his school suspension. From talking with "Sweetie" earlier I knew she was short on dinner and that "Other Two" was still a little hungry, so I offered to pick up a hamburger on my way. I brought a couple of hamburgers, and some ice cream to smooth Sweetie's nerves. I also brought some for myself and "Other Two" since he didn't get to go trick or treating. We ate and watched a little TV and when it was time for "Other Two" to go to bed, things got a little out of control. I don't think it's fair to give the details, but needless to say, my patience got lost again. My face didn't get red, nor did the voice get loud, but I stormed out of Sweetie's house angry and upset.

I wrote her an angry Email that was quite a bit longer than this post... yeah, I tend to be a little verbose... Maybe I should change my Blog title to "Rambling Verbosely Along..." (Is that a word? "Verbosely"?) After I wrote the Email, I re-read, edited it, and re-read it, considered not sending it, and then promptly hit the send button.

I don't know if she read it or not, but she called me this morning, and we apologized to each other, and all is right with the world again. The only problem now is that I am back at work, and I didn't get to have any fun on my day off, except for a very short time during trick or treat.

I am bowling tonight, and for some reason when I try to hit ten 3lb wood sticks painted white, with my 16lb ball and get them to all fall down, my patience tries to escape again. Hopefully I can keep a hold of it tonight.

Later Lou

Whammie...

Well the loan company never called me back, so a little while ago, I called them. I asked them "Big Bucks or Whammie?", and they said.. "What?"

After a brief explanation of the old game show "Press Your Luck" (not really, but it makes a better story), I was told that the representative I spoke with yesterday had just stepped out to go to lunch, but if I gave them my SSN they would look up the loan for me. After a brief pause, I got the response, "Yeah, this just came in...!! Oh Sorry, you didn't qualify for the loan." Yeah, right, they had it probably most of the morning, just didn't want to call me and give me the bad news. (sigh)

I asked if I could qualify for a lesser amount, but was quickly told "No," because my credit score was below the minimum value for giving out a loan. I tried to once again express to the representative that most of the bad stuff on my credit was due to "Ex", whom I haven't been married to for seven years, didn't refinance debt "awarded" to her in the divorce settlement. I said that they should look only at the items that were new since our separation, and not the things that I was listed as a co-borrower on before my separation, and they would see that I have paid all of my stuff on time. I tried to argue that the bad credit score wasn't all my fault, and there should be someone alive to review my history other than a computer rating system, but I was told "Sorry, there is nothing we can do."

So basically the 30 minutes I spent on the phone giving my entire financial history was completely in vain, as all they did was pull my credit score, say "No", and move on. (sigh)

So, I guess I am going to either need a lot of baked sale items, or one really, really unique item I can sell on eBay? Any one have a rare old comic book, postage stamp, coin, or other collectible that I could buy cheap? I promise to not return it. :-)

Later Lou

Press my luck...

I spent most of yesterday talking to everyone I knew well enough to ask, how to go about getting "Big Bucks and No Whammies." The results were not great, but they have a little potential:

• Find a loan company that will grant me a loan. A co-worker suggested a company that I called last night. I spent about 30 minutes on the phone giving them my entire life's financial history. The representative told me I would get a call this morning, and I have been waiting all morning for that call... It hasn't happened yet, which leads me to believe from past experience that no news is definitely not good news.
• Ask the head guy at our office, who has a little money, to give me a personal loan. The issue with this is he is my boss's boss. I am saving this suggestion for next to last resort.
• Ask "Sweetie" to get a loan in her name and I make the payments to her in advance. This option sounds good, except that "Sweetie" doesn't want to have anything to do with this house because it involved "Ex", and because she feels that my luck is really bad, and that things aren't going to go as planned, and she will end up having to make the payments. This option is last resort.
• Ask my one of my uncles whom I have hardly spoken to for years, to loan me the money. I wasn't a good kid growing up, so there is a little bit of bad blood there. And to top off the situation, my brother had a similar situation a few years ago, and when he asked to borrow a few bucks, they told him they wouldn't help him. And he was the good kid growing up, so this one is beyond the last resort.
• Hope that money falls out of the sky, or that some lucky lottery winner decides to read my blog and show me pity and send me a small portion of his/her winnings. Yeah, I am dreaming, but I figure it's better than having a crime against my imagination - Right Limpy?
• I could petition the government for a grant... or I could sell them a few of my hammers... I understand they were buying a few for a couple grand each a few years ago. Nah, they would probably arrest me, or worse yet, make me work for them.

OK, so I am rambling... but it's what I do.... I am trying really, really hard to be patient for the phone call from the loan company. But it's only 15 minutes until the morning is over, and they did say they would let me know in the morning... Unless their office is in California, or Hawaii, then maybe I have a little more time...

Later Lou

Good News...??

This weekend I talked with a Realtor and I met with a contractor about the marital home.

Real quick update for new readers:

I separated from "Ex" in January 2000, and divorced in Dec 2001. She got to keep practically everything including the marital home. She lived there with her new husband and my kids until Sept 2006, after she bought herself a new $170,000 home on the outskirts of the school district - good for her. She put the marital home up for sale.

I lived in rental apartments for 7 years until I was able to buy the duplex building I have been living in for the past 3 years. I closed on the duplex in May 2007, and in July I rented out the second apartment.

In June 2007 the "Ex" had not yet sold the marital home, and decided that she no longer wanted to pay the two mortgages on the old marital home, and since I had all this money to buy my property that she would stop making payments on the mortgages. In the seven years of our separation she never refinanced the mortgages, so they were still in my name, and when she stopped paying on them, my credit rating took a nose dive. To stop the credit score "bleeding" I had her sign the property's title back over to me, and I paid the back mortgage payments, and have continued paying the mortgages and utilities since then.

Now back to the present:

My tenant has not been a reliable, on-time rent payer, so I don't have the rent money to offset the new expenses and I have had to use my credit cards more than I would like in order to survive. I have stopped the downward spiral of the credit rating, but in it's place I now have a downward spiral of available money.

So, I have decided to try to get rid of the marital home. This past week I contacted a Realtor who is supposed to be really good at moving properties, even in my real estate depressed area. The Realtor reviewed the property and told me that it could definitaly sell, but that I had to do some repairs to the place to make it appealling to potential buyers. Before this, I had already had a few people look at the place and give me estimates. Just to be sure they were good estimates, I had a new contractor come out this weekend and give me another quote.

The property needs about $10,000 worth of work to make it "sell-worthy". The Realtor said that with those repairs it could be listed for an amount that if it sold at that amount I would would be able to recoup the repair money, and still make a profit. The really good news is that I could accept an offer much lower than the listing price, and still break even or make a few bucks. The Realtor is pretty confident that the property could move pretty easily with the right advertising at the right places. So if the Realtor is right, I could be rid of the drain on my income and get a little extra money to pay off all my credit card debt, and finally get my head above the debt level.

There is only one road block to this whole scenario... coming up with the $10,000 to do the repairs. I only have roughly $6,500 in available credit, and my savings have been pillaged to purchase my duplex back in May. I am roughly about $4,500 short, and I don't know how to get the remaining amount.

I have already tried my local bank, my immediate family and other mortgage/loan places. No one is willing to loan an amount that small to someone who has the credit rating I have. As a matter of fact, one of my credit card companies recently reduced my "available credit" from $2,000 to $0 because of the dip in my credit rating... Yeah, thanks "Ex" for bailing on the mortgages in May, you were very thoughtful! (yeah, right!)

Anyway, I may have to take Tysgirl up on her offer to start a phone sex company... Or maybe I could have a bake sale?

Later Lou