Showing posts with label loan. Show all posts
Showing posts with label loan. Show all posts

Thursday, December 20, 2007

Up early

to tackle my day. Life must go on after all. I have make a phone call to the doctors after 10:00am so that they can slot me in to take my Humira shot with a pen looking device I picked up yesterday at Walgreen's. Since I have a great medical plan, this prescription only costed me $25.00 co-payment. After looking at the "you saved" part, it blew me away! My insurance saved me $1654.99!! Can you freakin believe that? Expensive little things and they also need to be refrigerated. For now, my medication calls for an injection every other week. I have a three week vacation coming up in March and I'll have to re-think my destination. This vacation was planned for February, that's when Lynn and I were thinking of escorting her daughter Camden to London and spending a few days there for our mini vacation. I thought for sure I had the correct dates but miss bid my vacation to March. My daughter Nani always says, "things happen for a reason". My excuse is, "I'm gettin' old". Instead, I was thinking on visiting some friends of mine. Pearl and her partner Michelle in Alabama, recently moved Marilee in Atlanta and Angie and her partner in Florida. Maybe my fly boy, the international gay playboy of the skies, Michael, and pay a visit to him in Florida.
So, I have to find some time today to get this shot administered and get my loan papers ready for Sarah this weekend as our ladies group will be going to a few parties. Again to see an old friend in the city who is throwing one at his place. Ken is a long time friend who I haven't seen for at least 10 years since we got together in New Orleans for Halloween when my hula group was there performing for a well to do artsy gentleman. From what I hear, he lives in a loft. I'm not sure if he's partnered. Many of my gay men friends have beautiful huge lofts in the city. Why? So that they can throw the most fabulous parties and galas you have ever seen. Their parties are truly amazing!
I'm steering away from the subject again. I do that quite a bit and don't mean to. I've got to fill out papers for my 401k loan process which didn't get processed for some reason. I'll have to go into work to get a copy of the doctor papers that re-certified me unable to work for this month of December and to pick up my bid sheet for my new work schedule.
I finally wrote an email last night asking Lynn for my small refrigerator back because it belongs to my son. I haven't received an answer yet. I know we are both trying to process what happened this past Monday because I totally cut her off without an explanation or conversation but said everything in a subtle email. It wasn't vicious or attacking because I was hurting and still love her to some magnitude. I'm sure she's hurting and devastated like I am but for different reasons. I thought that I would pick up the "fridge" since I was going to be down that way in San Mateo for my appointment. It could be that I just want to see her again. Hear what she has to say. Or me being an idiot and thinking that I could take her back and forget about everything. My thoughts about us living together in our Golden Years, implosion complete, damage is done. OK Lani, bend over so that I can kick you in the arse and knock some sense into you! Reality sets in and the truth is known. I can't go back, not after what has been done, written, said or otherwise. Move on, Lani, move on! Yes, I will. One step at a time. One step at a time.

Saturday, December 15, 2007

Overcharges at Downey Savings

If you think that you're right on not paying an overcharge, fight back with documented information and names! A small over site on the part of my mortgage company between their impound department and the loan department almost cost me $265.64 in under payment and late fees. Oliver was my teller of the day and the first in "front line" personal. He was very patient in my resolving an overage as he was the liaison between the person on the phone and myself, a little ticked off but I had my documentation and confirmation numbers. I had initially gone to the bank to put down the payment from my company towards my mortgage payment for the next two months. Oliver tells me that I owe, $104.32 for an under payment and $161.32 for late fees in processing my November mortgage payment! I told Oliver that I had already had a phone conversation with Pearl in the loan department last week and paid the $104.32 over the phone. The late payment of $161.32 should not have even been charged because my November payment was received by it's due date and Pearl was waiving the processing fee of $57.00 over the phone. Oliver tried to tell me that the $104.32 was not collected and that both would have to be paid before he could except my mortgage payment. I thought, this is getting ridiculous. I brought out my checkbook and showed him who I talked to, the phone contact, confirmation number and the amount of $104.32 and the date that it was paid. He called someone in the loan department and spoke with a woman, who sounded like a jerk (yes, women can be jerks too!) and she thought that she was going to make this "ol gal" pay. Oliver handed the phone over to me and I said, "hello". She replied, "Hello, how can I help you?" in a frigid, uncool tone. I told her the situation with Pearl and the impound department and gave her the necessary information. By this time it had been thirty minutes of waiting. I'm glad I didn't have any doctor appointments scheduled. Oliver told me that it would take a while and to have some coffee. That's just what I did. After another fifteen minutes of waiting for my verdict, the woman (I did not get her name) came back on the phone with Oliver and apparently told him that I didn't not have to pay any of the mentioned monies and to accept my mortgage payment. I felt like a hunted baby seal after having a huge great white with it's mouth open about to eat me alive, only to have it repel and swim away until another day.

Tuesday, November 27, 2007

Procrastinator

that's what I am. From the dictionary: "to put off till another day or time; defer; delay". That's what I did today. I put off doing anything with having to get the paperwork together for my application refinancing my home loan AND gathering paperwork for my employee help department. It's my own damn fault for being lazy. I did cook dinner, that was productive. I sifted through the mail, productive and I finally cleaned up the piles of "crap" in my bedroom, very productive. In fact, I just consolidated and made a bigger pile of crap and hopefully, I'll finish that one up tonight. I don't know what I'm going to do when I finally do go back to work which I'm due back on Dec. 15th and I really need to tell my doctor to write me in for Jan 2008 instead. I'm not feeling December at all! Dinner tonight is another Hawaiian dish, Chicken Luau. It's made of a few simple ingredients and very easy to make. That should last a few days in my household. I've got my crock pot out and have been using it steadily for simmering meat and soups.
I texted Lynn earlier. It feels funny not talking to her several times a day and she has to conserve on her minutes because of her cell phone bill last month. I don't blame her, I'm on Sprint and she has Cingular so we don't have the mobile to mobile thing. I don't think we are going to do the hot tubs tomorrow. I'm going to lunch with my friend "D" in Foster City. "D" is a beautiful African American gay man. He just turned 45 and has not found "Mr Right" yet, but he has a lot of "Mr Right Now's" that would like to take him home for an overnight. He does not look over 40 and has many young men in their 20's pining after him. I enjoy his stories of getting picked up at a local shopping mall or at his gym. He's very picky and looking for a long term commitment. As with most gay men in their 20's and 30's, your as good as the next man that walks through the door. The men in their 35 and 40's start losing that thought but then they go through the whole mid life crisis thing and then revert to trying to be in their 20's again and that's another drama dynamics. Once in a while, he does some chasing. Rarely, does he ever bring them home. He is a good man and I hope that he finds a good man just like him.
My daughter just got home awhile ago from her job. That's another story.