Wednesday, September 19, 2007

The Busies 

someone has gotten a case of the busies. i’ll give you one guess who that someone could be. that someone has been doing a lot of shit, some of it bullshit, but all of it is shit that needs to be done. a summary of the shit includes:

poor me, right? i need a break, right? my thoughts exactly, which is why i’m taking this friday off to engage in a bit of retail therapy. my only objective that day will be to sleep late and then hit the mall to spend my hard-earned money. after all, everyone knows that the only way to cure the stress of having bronchitis, visiting with friends and getting my house redone is by buying many pairs of cute shoes.

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Tuesday, September 11, 2007

The Single Life 

three months ago i blogged that my two-year relationship ended and i’m again a single woman. it went something like, “we broke up. the end.” i didn’t feel like talking about it much then and i still don’t. perhaps i’ve finally learned enough to know better than to be consumed by the melodramatic sadness a breakup brings, or maybe the fact that i saw it coming this time cushioned the fall.

whatever the reason, i’ve been surprisingly at peace with singledom. i have zero desire to jump into anything serious anytime soon. it’s been liberating not to be waiting on anyone’s call or dealing with the stress that comes from entangling my personal well-being with someone else’s. i cannot remember the last time i found myself in this enviable position, where my heart is neither swelling nor aching.

and i like it. life is so calm lately, so full of the simple pleasures — the smelling of the roses, the easy like sunday morning. my emotions look like clear blue skies. and the thought of anything coming in to disrupt this rare internal equilibrium and my happy home life with the pups is repulsive to me. for now.

for now.

i know me and y’all likely also know that time and restlessness will create an itch that only a ravishing man can scratch. and given my history i’m sure he’ll be tall and dark-haired and wrong for me. and i’ll blog about it with a conclusion that will go something like, “we broke up. the end.”

there are times nowadays when i’ve felt that tug. it always arrives with the witching hour, around the twilight, after i’ve finished my work for the day, have had my dinner, read my book, cleaned my house and catered to the dogs. then will follow a moment of stillness when i look around, largely pleased with what i see: the safety and stability, abundance and comfort, and the unyielding warmth from the cuties. it'll absorb me and evoke a wide smile.

then something will bubble up, as much as i’d like to deny it, the feeling will rise up and wash over the moment — the desire to share it all, to sit on the couch with someone who’ll hold my hand while we watch TV.

for now it’s just a flash that disappears as quickly as it comes, but i know it will grow into a primal need as it has before, with the maddening loneliness that grows with it. i’m not there yet, and i sense i still have a ways to go. but when i do get there, i hope i’ll have the fortitude to bypass the hunt altogether and allow things to happen organically.

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Tuesday, September 04, 2007

The House-Hunting Chronicles: The Prequalification 

as i tell friends that i’m interested in buying a place, i’m often met with a look that seems to say, “damn, girl, i didn’t realize you made THAT much money!” truth is i don’t make THAT much money. in fact, i barely make THIS much money. and, as counterintuitive as it may seem, my lack of money is the one thing that will make homeownership affordable for me.

pretty much all the first-time homebuyer guides i read through in preparation for this quest said the same thing: check with your state’s housing authority, which provides great incentives for first-timers, to find your mortgage. so i checked and wow — down-payment assistance, gap financing, deferred junior loans and, the deal-sealant, a 40-year fixed mortgage at a below-market rate. and in this ridiculously wealthy county of Los Angeles, my salary places me in the low/moderate income bracket, meaning i qualify.

though that’s not the same as prequalifying for the loan, which can only be achieved through mondo paperwork and a thorough credit check. for my appointment with the mortgage broker specializing in these ghetto loans, i came equipped with documents galore: three years worth of W-2s, tax documents filed with the IRS, pay stubs, IRA account statements, quarterly statements for my investments, checking and savings account documentation, my passport and any other outstanding loan or asset documentation i could provide. then came a blood test, a urine test and a hearing exam, followed by the inner-ear culture, pap smear and rectal swab — concluding with a quiz on Rorschach inkblots.

and then something weird happened. “uh oh,” said the mortgage broker while looking at her computer screen. immediately i froze because nothing is more frightening than hearing “uh oh” from someone about to loan you a bunch of money. “uh oh?” i asked cautiously while trying to clear the quiver out of my throat.

“well,” she began, “part of your mortgage is provided by the state of California and the other part is taken care of by the city of Los Angeles, and it looks like the city ran out of money.” ghetto indeed.

of course the city-sponsored part of my mortgage is the good part — the zero-interest, deferred junior loan, gap financing portion that i only need to repay once the principal mortgage supplied by the state is paid off (in 40 years!), meaning i need that city money BAD. that’s the part that really gives me “purchasing power,” mortgage broker said.

she also said the fund would be replenished by the government, eventually, and that i would need to wait. ok, so now i wait through a subprime mortgage meltdown for the government to pour money into a depleted fund set aside for low-income homebuyers. yeah, i’m sure that’s a real high priority right now.

but wait i will, as i simply have no other choice. mortgage broker assures me it won’t take more than a few months for the new funding to come in, despite her admission that she’s never known this to happen before. in the meantime, i would be put on the wait list, which, yes, is already lengthy.

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