Change of Plans
When we were planning this trip, it all sounded so simple . . . greet the grandbaby, buy a house, quick, fly to Seattle, fly back to Pensacola, kiss the grandbaby and fly to Doha to pack.
Not quite the way it turned out. When we got here, the grandbaby was 11 days overdue. We got to be here for the birth. While our son and his wife labored, we went out with the world’s most wonderful real estate lady and actually, we did find a house.
Three years ago, we found a house. When I talked with the mortgage people, I said “We just finished paying off a mortgage with you; isn’t there some kind of short-cut you could do with me?” and they did something called “fast track” with me, and it was so easy I can’t even remember the paperwork; I think I filled it out on my computer – online – and that was it. My son handled the closing. It was so easy.
Things have really changed. This will be our third mortgage with the same company, but you would think we are potential deadbeats. We have high credit scores, an impeccable payment record – I would think they would want to have us as customers! It’s like pulling teeth. Papers don’t get to us. Additional verifications are required. Appraisers actually enter the house and verify square footage.
Between chasing paper and soothing the newborn, my life has been very full. It doesn’t sound very exciting, when I tell you about it, but here is the truth – I know I am exactly where I am supposed to be right now. It’s an amazing feeling.
Today, I spent a lot of time with the baby. At some point, I realized I wasn’t going to make it to Seattle this trip, and it’s OK. I can go to Seattle later. For right now, I have enough on my plate.
I had forgotten, too, how chaotic life with a newborn can be. His needs take precedence, and sometimes we all run around trying to guess what those needs might be, simple as they are . . . clean diaper? swaddling / soothing to sleep? Mother’s milk? Today was a really good day, where he took the diaper changes with grace, dropped right off to sleep after every meal, and was keenly alert for maybe a half hour after feeding before napping. He loves patterns and fabrics. I am having SO MUCH FUN!
A part of our life is ending, the nomadic part. AdventureMan and I have had a lot of fun, once our son got through college and law school, we were on our own again, living in Europe, living in Saudi Arabia, Kuwait and Qatar – we have had a great adventure. We travelled to Botswana, Namibia, Zambia (several times), South Africa, Kenya, Tanzania and spent a wonderful week on Mnemba Island off the coast of Zanzibar. We have wonderful friends, mostly from churches and interest groups. I would think, knowing us, that we would be sad leaving all this, but instead, we are racing toward our new future, being more settled, being near our son and his family, and his wife’s great big family. 🙂
For one thing, the world has changed. With e-mail and VOIP phones and people who jump on a plane at the drop of a hat, we expect to stay in touch with those we love and treasure. We expect they will come see us. It’s kind of fun settling in a place with white sandy beaches that everyone wants to come visit. 🙂 Cooler than Kuwait and Qatar in the summer time, too! Nice warm winters, well, not this winter, brrrrrrrrrrrr!
Thought you might want to see a photo of my little darling grandson:
One in Four American Mortgages ‘Underwater’
Underwater Mortgages Hit 11.3 Million
Posted: February 23, 2010 at 7:25 pm
There is a reason that 702 American banks, nearly one in ten, were on the FDIC “problem list” as of the end of 2009. A large number of small and mid-sized banks are burdened with home and commercial mortgages that are in default and may even go into foreclosure.
New data from First American CoreLogic shows why the solution to the problem banks face is so difficult to find. Eleven million, three hundreds thousand homes had underwater mortgages as of the fourth quarter of last year. That number represent 24% of all residential homes loans in America.The mortgage numbers are much worse when homes with equity of less than 5% are included. First American reports that ”an additional 2.3 million mortgages were approaching negative equity at the end of last year, meaning they had less than five percent equity.” That means that three out of ten homes have virtually no financial value to their owners.
The pressure that the home value trouble puts on banks is clear. The aggregate dollar value of negative equity was $801 billion at the end of last year, up $55 billion from $746 billion in Q3 2009. People who believe there is no hope of their homes ever having any economic value are more likely to default on mortgages, especially in an environment where unemployed and under-employed people make up 17% of the total available workforce nationwide. Many homeowners are as concerned about their employment future as they are about the value of their houses.
Problem home loans are concentrated in the regions where real estate values have fallen the most–Arizona, Florida, Nevada, Michigan, and California. First American says that “among the top five states, the average negative equity share was 42 percent, compared to 15 percent for the remaining 45 states.” In other words, the odds are relatively high that some of the home owners in those states will never sell their houses for more than the amount of their mortgages. That creates a vicious cycle in which high numbers of people with underwater loans default in the states where real estate values have dropped the most. There is no easy way to create a foundation under home prices.
The FDIC has closed 20 banks this year, Five of those were in the five states where mortgage equity problems are at their worst. The agency closed 15 banks in December. Of those, five were in Arizona, Florida, Nevada, Michigan, or California. The bank failure and mortgage failure problems area inextricably linked.
The First American numbers do not leave much hope for a home price rebound this year. It is too hard to sell a house with an underwater mortgage because the bank has to be paid the balance of the loan in cash at closing. Many people do not even try make home payments or cannot afford to under those circumstances. The Mortgage Bankers Association reported that a record 15% of American mortgage holders are either in foreclosure or at least one payment behind.
The difficulties that face small and mid-sized banks, which ultimately are a problem for the FDIC, are to a large extent still a fallout of the deteriorating real estate sector. The underwater mortgage problem is still growing and that almost certainly means bank closings will be high again this year as well.
Douglas A. McIntyre
New Cat in Town
“It’s like bringing a new cat into the house,” I tell people when they ask about how I move so often, and how I have learned to survive, “You keep a new cat in a separate room while the other cat(s) get used to their smell, then you allow a little interaction, then a little more and it all works out. One cat may never warm up to a new cat, another cat will welcome it immediately.”
I’ve been that new cat. You walk carefully. You try to figure out how things work. You sort of walk around the edges of things. Occasionally, there will be a cat that doesn’t like me. I try to stay out of her way.
So on my way to church on Sunday, I was thinking about this move, and about how people and communities have rules they don’t even know they have. Like in Kuwait, I learned, when you make a condolence call, you are supposed to dress very simply and wear no make up. You keep your voice low, you stay only a certain amount of time. These rules aren’t written anywhere because, well, everyone who matters pretty much knows what they are . . .
You don’t think about going through cross-cultural experiences in your own country, but every community has its own uniqueness, its own differences.
I think about my home town of Edmonds, WA, where you never NEVER cross the street if the light is red, even if there are no cars visible for miles. It just isn’t done.
Even going to church can be a mine field. You would think that it would be a safe place, all these people of God, people of good will, gathered together. You would think that until you happened to sit by mistake in someone else’s place, a place they have sat every Sunday for forty years. Some people might handle it with grace, another might handle it with spite and malice.
There might be local customs I don’t know, like you don’t wear earrings during Lent (I made that up; it isn’t a rule, it is just an example of the kinds of things that can become custom) or you don’t park in this spot because Old Miss Rickety needs to park there. Every church passes the peace differently; even the liturgy, done in every church, has its quirks from congregation to congregation. Like the new cat, I kind of creep in to church quietly, look for an inconspicuous place, do my worship thing and leave quietly.
They need to get used to my smell, LLLOOLLLL. 🙂
Warming Up in Pensacola
This guy hurts my eyes. I remember reading a book called Almost French, an Australian woman married a French guy, and one morning as she was about to run down to the boulangerie in her sweats, her French boyfriend had a very pained expression on his face and said “Please! Please put on something else! You don’t want to hurt people’s eyes!”
Pensacola is warming. No matter how much Pensacola warms, I think a shirt would be a good idea.
Doha: 10 “eateries” closed for Health Violations
This is from today’s Peninsula. Don’t you wish they would publish the names of the eateries? As a person who frequents ‘eateries’, as a person the health inspectors are protecting, I would very much like to know names of violaters. I would also like to see the standards by which they are judged, and the scores of ALL the restaurants/eateries they examine. In many countries, that is considered in the public interest.
Wouldn’t it be nice to know whose score was so low that they barely passed??
Eateries shut for violating health rules
Web posted at: 2/20/2010 5:46:46
Source ::: .THE PENINSULA
DOHA: At least 10 eateries across the city were closed down temporarily by Doha Municipality last month as punishment for violating health and safety rules.
Civic inspectors conducted routine checks on more than 2,800 eateries, among them restaurants, cafes and juice stalls in the city last month, to check their compliance with health and safety guidelines.
As many as 160 violations of various types were detected and 10 eateries found to be involved in serious violations, were ordered to be closed down.
Municipal inspectors discovered large foodstuff stocks with retail outlets that had outlived their expiry dates. Some 343 types of food items which were found to be unfit for consumption were recovered and destroyed.
They included more than 2,800 boxes of fresh eggs. Each box contains 30 eggs, so the stale eggs that were seized from various outlets and destroyed by the civic body totaled 84,000.
At least 53 samples of food items that were suspected to be unfit for consumption were taken by the municipal inspectors and sent over to the laboratory to run quality tests. It was found that six of them were unfit for consumption and did not meet Qatari standards and specifications.
The public cleaning department of Doha Municipality, on the other hand, referred 115 violations to law-enforcement agencies for action while issued 100 warnings to violators last month.
Some 423 entities found to be violating public cleaning regulations were fined on the spot.
As for beauty salons, raids were conducted last month on 63 of them and 21 violations were detected. At least five of them with serious violations were referred to the police for legal action.
The municipality also acted on a number of public complaints regarding stale foodstuff on sale, public hygiene and building permits, among other things, and referred several violators for action.
Some of these complaints had appeared in newspapers while others the municipality received telephonically, while still others in writing.
Who Will be my Friends?
This will be my 31st move.
When I moved back to Doha, as I sighed and packed boxes, I took a few minutes to sit down and count them up. 31 moves. A lifetime of changing houses . . .
Until I get to the new location, I am caught up in the crushing details of moving – decisions on what to take, what to leave and to whom, closing accounts, opening accounts, blah blah blah. It can be overwhelming. I always think about that old joke about “how do you eat an elephant?” and the answer is “one bite at a time.” It’s the same with moving. Don’t look at the big picture, just keep moving, one detail at a time, and it all works out.
But when I get there, I wonder who will be my friends? It can be a lonely 6 months to a year while waiting for the right friends to come along. I make friends easily, but the ones who are going to stick, those tried and true friends – it takes a while to figure out who those are going to be.
We are lucky this time, we have family waiting for us. Our son is already educating us on how to pronounce local streets and areas (No, Mom, not “Sehr-vahn’-teys” as the Spanish would say it, but “Sir-van’tees”, not “Tex’-are” but “Te-har”, LOL) and what attitudes and perceptions we might best keep to ourselves if we want to get along.
We want to get along. Ironically, moving back to our own country is more daunting than moving to another expat community. The expat communities are relatively open and fluid, people coming and going all the time, willing to accept new members and welcome them in. This move is going to be to a very different life and a very different community from that in which we have lived the last thirty something years . . . God always sends me good friends. I just wonder who those friends will be?
Fat Tuesday and Beads
“That’s not tinsel, Mom,” my son said, “They’re beads. People throw them during the Mardi Gras parade, and they stick in the trees. And it’s not Shrove Tuesday, it’s Fat Tuesday, here in Pensacola.”
Oh.
Today I needed to do a couple trips downtown and so I looked closely at all the colorful objects sparkling in the trees after the Mardi Gras parades. Yep. He was right. Beads.
It is still cold in Pensacola. The temperature as I was driving around this morning was just above freezing. But it is cold – and clear – and sunny, and those beads sparkle in the sunlight.
Tonight we are having Jambalaya for Fat Tuesday, the night before Lent starts. I have little Q sleeping next to me. Life is sweet in Pensacola. 🙂
Pensacola Moments
Yesterday I drove AdventureMan to the airport. He rushed off to check in, planning to meet once the car was checked in. The checker-inner said “do you really want to pay $7.49 a gallon?” so I rushed off to fill the tank, God bless her. It’s funny, with all the stuff we have going on, little things we normally remember just slip right out of our minds.
I came back, picked up my next rental (I know, I know, not cost effective, but I thought I was going to buy a Rav4 while I was here – LLLOOOLLL! I still plan to, but I am waiting for some dealer incentives) and went in to spend some time with AM before he left.
When I came back out and went to my car, it REEKED! I have a non-smoker profile! I went back to the fast-booth, and waited in line. When I explained the problem, they gave me another car, a serious upgrade. Wooo HOOOO!
I only mention these instances, because two people at Avis/Budget Car Rental in Pensacola took the time to insure that I was a happy customer. I am. I am a happy customer.
Somewhere, I lost my sunglasses, and because mostly I only need glasses for driving, I needed to get a new pair. Walk in, have an eye exam within 30 minutes (he told me my old prescription was too strong!) and a pair of prescription sunglasses that are PERFECT in one hour. Professional, courteous service all the way.
I need some baby clothes, so I go to a very good department store looking for WARM baby clothes (it is very cold in Pensacola this year!) and the very nice lady says “Oh, we have some beautiful baby clothes I just marked down to 70% off.”
Am I dreaming?
Sleepless in Pensacola
It’s cold in Pensacola. The high tomorrow will be 47°F/8°C and the lows are around freezing. You think of Florida as being warm and sunny, but with the chill wind, it is COLD. Luckily, we brought some cold weather gear.
But when a Florida baby is born, they get lots and lots of clothes of lightweight cotton, and no heavy duty sleep-blankets. Heavy duty sleep blankets are for those babies up north – AdventureMan and I know, because we went looking for them tonight, for our little grandson. Even though they have turned up the heat, Florida houses can be chill in the cold weather, and we searched in vain for a good sleep blanket.
There are new ways of doing things, different from when we were raising our son thirty years ago. Now you have to be sure the baby is sleeping on his back (we were all told to be sure they slept on their stomachs) and there can be no blankets in the crib or bassinet, no soft toys, no pillows. They recommend sleep sacks because the baby stays warm and comfortable, while lowering any risk of SIDS (Sudden Infant Death Syndrome). They know so much more than when we were raising children.
I was able to spend a few hours with my grandson today, holding him while his parents napped or relaxed. AdventureMan made a big pot of nourishing and delicious Beef Vegetable Soup. He is spending time with his grandson now – when the grandson squawks, AdventureMan starts describing one of Napoleon’s campaigns and within minutes, the squalls diminish and baby is sound asleep. LLOOOLLLL! He is on duty now, while I have crawled into bed. This being a grandparent is great stuff – we get to sleep all night; Mommy is nursing, and so she has night duty. They both have big circles under their eyes and are talking about the effects of sleep deprivation – if you’ve ever been a parent, you will know exactly what they are talking about.
Think I had better order a sleep blanket!
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