There's rosemary, that's for remembrance.
William Shakespeare: Hamlet, Prince of Denmark



Wednesday, February 25, 2009

A Zen question and facts of life.

A Zen question: What is the meaning of this? Behold Mimi Louise of the heated bed hog action. Where is she? On our bed snoring....really. Why?


Penelope: Currently getting 8 as in eight Tramadol/day. Not working. Bumping up to codeine. Talked to the vet who said: Her leg will never be functional again, the more we gork her the better chance there is of causing a fracture when she does walk, bone pain in large breed dogs is agonizing and we need to start talking about the what if the codeine doesn't work scenario. Steve is not handling this well at all....Violet and Penelope are his girls. Here she is in a lucid moment yesterday. Isn't she adorable?


Hospice Central. Fuzzy and Penelope spend their days napping in Steve's office. In an attempt to make Fuzz more comfortable on his bed we got a heated pad to put underneath his blankie. He has turned into a lounge lizard....stretched out his full length most of the time so his whole body is warm and......well, fuzzy.


Fact: We have lost 38% of our retirement funds. We consulted a financial lady in town last year and changed all of our allocations to less stock, but with the market hammering those nails further and further down, we are still losing. We are not unique or alone of course and many, many folks are in much worse shape than we are. But, we have to deal with our issues. Steve's second job that he has had for 20 years has not given him (or anyone else for the most part) any work but an hour here or an hour there since October. His "real" job has been cut back to 3/4 time. On the bright side we still have health coverage, I got a tiny Social Security raise and we have not fallen behind in any bills and have cut back substantially day to day.

We had a first mortgage. After the accident in 2005 we were forced to take out a second. If we only had to deal with one mortgage we would have been fine, but the burden of that second was a killer. So, last night we signed final papers for our refinance. On the up side, we will save 900 smackaroos a month in mortgage payments (yup, we were putting out a ton of money in mortgage payments). The interest rate is a full point less at 4.35%! On the down side we lost all of the principal money we had paid on the first (6 years worth) and while we did not take out one penny in equity, we are starting all over again.

We had several goals in mind beyond the monthly savings. When we are gone the current payment might just be managed by our kids until such time as this place could be sold. We hate thinking everything we have worked all our lives for would go down the drain in foreclosure. When Steve is ready to retire, like maybe this year or next, his Social Security will cover the house payment. So, in the end it is all OK.

It is still raining and yes, the garage flooded. Last night we almost didn't have to worry about having a garage actually. The way the refi worked was: Phone, fax, FedEx and the final paperwork was signed in front of a local Notary who drove to our house last night. She had called on Monday and it was obvious she was elderly and was confused with the driving directions we were trying to simply give her. So, the appointment was set for 6 PM. At six I was on the balcony in the pouring rain watching for her. There she was, stopped by the mail box with the car interior light on. I ran downstairs and opened the garage so she could pull in as there is ice everywhere. I motioned for her to just come straight into the garage, but she didn't. She got out, slipped on the ice, grabbed the car door and said she would rather not pull in. Then she slipped again. She agreed to pull into the garage, started the car, the wheels were turned to the left, she gunned the engine and at the last minute straightened the car out as she was on a collision course right into the exterior of the house/garage. When she left she had Steve back the car out and she gingerly walked in her 3 inch heeled boots to the car. Her other attire? A sequined top over a black pencil skirt with a black rhinestone decorated sweater held together with one of those chained clip thingys. She said a "friend" lived on Center Valley (close to our street) and she was going to visit after she was done at our house. Umm, hum.

15 comments:

sageweb said...

Atleast penelope and fuzzy have to warm humans that are taking great care of them..I think that is the most important thing. Wow you got a greaat rate..I am in the mist of doing all that..not having much luck tho. it is such a pain.

Mom said...

So many thoughts are whirling through your head. You must feel on overload. Blessings on you and all the creatures that you love.

Evil Twin's Wife said...

Penelope is a dollbaby. They're both still in my thoughts. I'm glad you were able to get the refi.

Jennie said...

Whoa. That's a lot going on Rosemary. Penelope is adorable, she looks so plush. What kind of dog is she?
All of that and I forgot what the zen question was...what's the sound of one bed hog napping? Was that it?

kenju said...

Rosemary, you have so much going on that I can't imagine how you had time to type all this. I'm glad to know that the notary didn't go through the garage wall!

jan said...

Thanks for the update on your animal world. Your notary was "elderly" but attired in that outfit? Did they let her out of the home just to drive to your place?

Miss Healthypants said...

Sorry things are a bit crazy for you right now!

Our cat Hattie just lost her 2nd fang a couple of days ago...so now we're planning a trip to the vet...I dread it.

My cats are now old ladies. It just ain't easy living with elderly animals, is it? I just hope they still both hang on for many years to come...

Barb said...

Ok here is my theory as to why Mimi is sleeping on your bed instead of her heated bed. She is having hot flashes!
The pic of Fuzz and Penny is about them telling each other what they want to do in heaven when they get there. Penny wants to run and play forever and Fuzz wants to catch and play with mice all day.

Glad you got the refi and the old notary didn't fall and break her neck so she could sue you!LOL

rosemary said...

Thanks everyone for caring about all of us....I am laughing at Barb's comment about Mimila....she probably is menopausal. Jennie, Penelope is a chow/shepherd/retriever mix. She sheds 24/7 and her hair is electric and zaps across the room to land on pants, shirts and shoes.

We tried the first dose of straight codeine this AM...too much medication for her. She already walks sideways and now can't stand without help. So, I think we need to make a decision and soon. She is just miserable and even the vet said quality needs to be our main focus and there is none for Penny now. She can't go for walks in the forest she loves, can't play and has little interaction with us.

Jennie said...

I thought I saw some chow. Kinda makes me feel guilty, complaining about dog hair when the alternative would be not having the dog. :( I'll be thinking about you and Steve and your Penny.

Shammickite said...

My goodness, there's a lot going on in your house right now. Stressful stuff too. You keep blogging about it all, I'll keep reading.

madretz said...

Jimmy and I were watching an old episode of "The Streets of San Francisco" yesterday and it involved grieving over a lost pet and the vet said something about how much more gracefully they go than we humans do. Love 'em for it so much more, but damn the heart does ache, doesn't it.

more cowbell said...

congrats on the refi. holy hell, it would ease my mind so much if I could do that, but I really have no more equity than I did when I bought it two years ago ... yes, as a matter of fact, I did buy immediately before the crash, thanks for asking. Sigh. Did they have to come inspect your house?

Middle Child said...

SHE sounds like my sister...I have four...but this one would do that...no names whoooaa as she has discovered my blog...


So sorry about the worries...my funds have gone down about the same and no new money going in...hope to weather it out...

I hope to but...


the picture of your doggie reminded me of my Thorn in his last year...its a look...almost worried...like a sick child...I hope things work out with you and the pets...I could not stand losing my cat now...too much has gone...

a cat sleeping on the bed makes a home... a dog barking at the door makes a home.

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