CHANGES

It's late (1:33am) and I have had a lot on my mind keeping me from sleeping. Some good, some bad, but overall still extremely blessed.

This past week we have heard about our lawsuit against Bank of America. The bad news, we didn't win. The judge ruled that homeowners needing a modification were not beneficiaries to the TARP money that B of A was given (45 billion). He also stated that the program was voluntary and that "we" as homeowners had no grounds to sue on dismissing the case completely. Although, I strongly disagree with the ruling I also knew that this was always a possibility. B of A will continue to purposely foreclose on homeowners. The way it works is this. I owe 300k on my home. B of A will probably sell this house for its market value of 150k. They will then go to Fannie Mae (guaranteed tax backed government owned loan) and collect the remaining balance of 150k recouping the entire loss. They will then go after me for the deficiency. Since the house will now be theirs, anyone that will be interested in buying the home will have to qualify with them, making them money on the new loan. This makes sense to them because they lose nothing. This is why the foreclosure crises will continue.

As for Mandy and I, we have fought for what we believe is right. After many prayers and lots of unknowns (being in limbo) we now know that we will end up having to move out of this house. We try to keep in mind though, that it is only a house, and that in the big scheme of things it really isn't that important.

Mandy continues to work over at Macy's doing make-up. She loves to make people feel good about themselves. The only bad thing about working there is her scheduling which really makes some weeks difficult with baby-sitting. She has finally found her passion in life.

As for me I'm continuing through the process with NHP (Nevada Highway Patrol). I have been offered a conditional letter of employment to work in the Vegas area. I will have to report to there academy on October 18th, depending on how I do on the last three test. In the next few weeks I will be taking a 2nd Physical exam, a Psych exam, and a Polygraph test. And if those work out I will still be tested in the academy which is in Carson City, NV for 5 1/2 months. It is a bit stressful to know that I will be gone from my family for a few months if these test work out. I'm excited too because I will be doing something opposite of the monotonous work of parking cars (8 years). I feel that I will actually have a career and that I will be doing something that is important.

I have also applied for financial aid for college and been approved to take some classes. I still have the desire to learn and eventually get a degree. I stopped going to school when we had Laynie and have always beat myself up for not completing my education. I know that it really is the key to success. I will have to hold out for another semester until this academy is done though.

Laynie is starting school this week. It is crazy to think that my little princess is going to be putting on a backpack and doing homework. I'm so thankful to have her in my life.

Peyton has almost got the potty training down. It has been a bit of a struggle, but he is starting to tell me when he needs to go which is great. Night time is still going to take a bit of work. He is a funny, short, little guy. When Mandy and I are driving around with the little man he mumbles a lot of the songs on the radio. He loves to sing and dance!

Like I said in the beginning we are truly blessed. As long as we stay focused and positive everything will work out.