Unemployed Home Owners May Get Assistance

The Obama administration has opened a dialogue with major lenders, economists, and government officials over the possibility of extending a financial lifeline to home owners who no longer can afford their mortgages because of job losses.

Possible strategies range from encouraging loan servicers to allow unemployed borrowers to skip some payments to providing grants or loans to temporarily cover mortgage obligations for home owners who become unemployed.

The talks have drawn praise from some real estate groups and other interests, who say that without aid to this subset of homeowners, the housing recovery could lose momentum.

Source: USA Today, Stephanie Armour (09/18/09)

Sex after Life … Wishing you a Great Saturday!

A long-time married couple made a deal that whoever died first would come back and inform the other of the afterlife.  Their biggest fear was that there was no afterlife at all.

After a long life together, the husband was the first to die.

True to his word, he made the first contact, “Marion … Marion.”

Is that you, Bob?

Yes, I’ve come back like we agreed.

That’s wonderful! What’s it like?

Well, I get up in the morning, I have sex.

I have breakfast and then it’s off to the golf course … I have sex again, bathe in the warm sun and then have sex a couple of more times.

Then I have lunch (you’d be proud – lots of greens) another romp around the golf course, then pretty much have sex the rest of the afternoon.

After supper, it’s back to golf course again. Then it’s more sex until late at night. I catch some much needed sleep, and then the next day it starts all over again.

Oh, Bob, you must be in Heaven!

Not exactly …. I’m a rabbit on a golf course in Arizona.

LOL Friday … Looking forward to our senior moments

Aging with Benefits … A noted sex therapist realized that people often lied about the frequency of their encounters, so he devised a test to tell for certain how often someone has had sex.

To prove his theory, he filled an auditorium with people, and went down the line, asking each person to smile. Using the size of the person’s smile, the therapist was able to guess accurately until he came to the last man in line, an elderly gentleman, who was grinning from ear to ear.

“Twice a day,” the therapist guessed. But the therapist was surprised when the man says no.

“Once a day, then?” Again the answer is no. “Twice a week?” “No.” “Twice a month?” “No.” The man finally said yes when the doctor got to “once a year.”

The therapist is angry that his theory isn’t working, and asks the elderly gentleman, “What the heck are you so happy about?”

The gent answered, “Tonight’s the night!”

Remembering Grandpa  …  Three elderly gentlemen were talking about what their grandchildren would be saying about them fifty years from now.

“I would like my grandchildren to say, ‘He was successful in business’,” declared the first man.

“Fifty years from now,” said the second, “I want them to say, ‘He was a loyal family man’.”

Turning to the third gent, the first gent asked, “So what do you want them to say about you in fifty years?”

“Me?” the third man replied. “I want them all to say, “He certainly looks good for his age’!”

We’re OK … Two older Jewish ladies, Sophie and Fran, were shopping one afternoon, and Sophie says to Fran, “Wish me good luck. My son finally met a girl and maybe they will get married – But the only thing my son said is that she has Herpes. What is Herpes?”

Fran says, “I don’t know, but I have a medical dictionary at home and I will go home and look it up for you.”

The next day the ladies again meet, and Fran says to her friend, “Sophie it’s okay. You don’t have to worry. It’s a disease of the gentiles!”

Old Aunt Cora  …  Old Aunt Cora went to her doctor to see what could be done about her troublesome constipation. “It’s terrible,” she said to the doctor. “I haven’t moved my bowels in more than a week.”

“I see. Have you done anything about it?” asked the doctor.

“Oh, yes,” Aunt Cora replied, “I sit in the bathroom for a good half of an hour in the morning and then again at night.”

“No,” the doctor said, “I mean do you take anything?”

“Of course I do.” she answered, “I take a magazine.”

Poll: Boomers Want Convenience, Familiarity

Baby boomers considering where they’ll spend their retirement say they prefer single-story living in suburbia, according to a survey conducted by the National Association of Home Builders and the MetLife Mature Market Institute. 

The survey of owners and renters 55 and older identified some interesting preferences: 

  • One-third would choose a close-in suburb; another third prefer an outlying suburb; 25 percent desire a rural community; and 9 percent want to live in the center city.
  • About 79 percent want a single-story home, 15 percent prefer a two-story, and 6 percent want a split level.
  • Most respondents say they’d like their next home to be the same size as their current one.
  • The five features rated most important were in-home washers and dryers, storage space, windows that open easily, main-level master bedrooms, and easy-to-use climate controls.
  • Twenty-seven percent of those surveyed said they were not concerned about the impact of home building on the environment; 23 percent are concerned, but say that will not be a consideration when they purchase a retirement property; and 37 percent responded that want an “environment-friendly” home, but would not pay extra for it. Only 12 percent said they would be willing to pay more.

Source: MetLife Mature Market Institute (09/15/2009)

What has happened to the civility in America?

What is happening to our society and the standard decency of civility in American life?  Do these actors in the public eye represent the average person?  Is this how your family member, neighbor, coworker, or friend behaves?  When I come in contact with my clients or any consumer I do not see this behavior – these appear to be good people from all walks of life in which I enjoy wonderful conversations, whether personally or professionally.   What has caused the disconnect and why do we reward bad behavior?

Just this past week in a variety of genres I have witnessed:

  • Politics:  A congressman shouting out in a sacred chamber to our President “You Lie” in a national address to the citizens of the United States and not being punished.
  • Sports:  Serena Williams, a great athlete, bombarding a lines person for doing her job with insults and threats after being called for foot fault and only being fined a minimal amount of money for this outburst.
  • Music:  Kanye West going on stage and ranting in front of the  nation while an award is given to Taylor Swift how it should go to Beyonce.

Whether you agree with their points of view or not, is this how we communicate and behave in a civilized society?  I was brought up  with a value system to always treat everyone with respect.  Unfortunately, the trend of rewarding bad behavior continues.   We, as a whole, will  continue to donate money to the Congressman’s campaign, support and root for the athlete, and buy the popular music.  Maybe  these public figures “get it” and know that their perceived impression  of the dumbing down of America is a money maker.  I hope that we, as average citizens, begin to make our point heard and let these public figures understand enough is enough and this is not how to behave, survive and prosper in this great country.

This is not the best way for me to start off my Monday but I feel better already!