Today, Martin Luther King Jr Day this year, feels very different from others. Tomorrow America will welcome its very first black president into the office. I cry like a baby every single time I listen or read this famous speech by Martin Luther King Jr. Today it’s no different, but the tears come down with much more hope. No, not because it was our president elect’s campaign slogan or he wrote a book about it or do I expect any substantial change in American politics or economy any time soon. It’s because the Americans who are reconciled with the fundamental human decency, that decency the founding fathers of this country proclaimed as the foundation for establishing this great nation, the belief that all men are created equal, are now majority.
Yes, I am hopeful. Now we are getting somewhere. Maybe, just maybe, we will learn to love and cherish our fellow inhabitants of this world before we destroy it completely. I have a dream.
I furminated Brooklyn’s hind parts for about a minute and a half before she took off. I should remember to leash her tomorrow. I dare not use furminator indoors especially during winter when the static somehow deposits all the fur on me and as you can see from these crappy pictures, I end up looking like a bigfoot after just a couple of minutes. Some people told me that after they furminate their dogs outside, the birds keep flocking to pick the fur up for their nests, but I’ve never seen any bird attempting it for all this time I’ve furminated my dogs outside. I’m a little annoyed about it. Like my dogs’ fur ain’t good enough for them, you know?
After reading the comments, mostly praises and compliments, for my last post, I feel the need to clear some misconception. I’m sorry to disappoint, but I have to say it. I know it’s highly possible that I would not have told them the truth if I thought I could get away with it. The only reason I revealed their mistake to them, not without intense and vigorous mental exercise on my part trying to come up with anything which would clear me if I should choose not to tell, was simply that I knew it’s going to come back and bite me in my fat ass sooner or later causing me much bleeding in the form of money. Judging by the subsequent headache I suffered, I think I pulled something in my head and might even have popped something there from that intense thought process, the process which my brain is not very much used to performing in daily basis.
Oh, and no need to envy. If you missed it, I’m referring to my SECOND mortgage, a type of home equity loan they gave me so that I wouldn’t have to pay PMI because my down payment was only 10%. Now that the value of my house went down by 10%, I own even less than 10% of my house and the interest rate will adjust next year. So yeah I’m in trouble, and that’s why I thought it could be the divine intervention upon learning the bank’s mistake.
What can I say. I’m just a human struggling with the weight of life. That’s all.
On Tuesday my bank notified me that the payment for my second mortgage had been returned. I called Chase Home Finance to see what’s up. After the customer service rep got my loan number and verified my identity, the conversation went something like this:
Yes, I’m calling because I was notified by my bank that my payment had been returned?
I can certainly help you with that. Let me find out why… Oh yes, it was returned because your balance had been paid off.
Uh… Hmmm… Really… (HOLY CRAP!!! How I wish it was true! Think! Think! Is there a way to make this stick? I mean it’s not my fault if somebody made a mistake and paid off my balance! It’s THEM who returned my payment! Oh man, should I tell? I know I should, but damn… Shit. FUCK!)
Yes, your account has been closed.
Well… (Stall! Think! Need more time! Think! Stall!) When was this?
On the 30th.
For how much…? (Oh fuck, I got nothing. I wish I could just hang up and that would be that. Wouldn’t THAT be nice…)
That was 38,661 dollars and 46 cents.
Hmm… (Oh shit. Fuck. Fuck. Fuck. This is really painful… Oh God. Why? Why? Pourquoi? Pourquoi?) I hate to tell you this. I really really hate to tell you and you have no idea how much it KILLS me to tell you this. But I have to tell you that I never paid if off, O. MY. GOD. it would have been great if I did but the truth is… (SIGH) I didn’t.
Oh. And there is nobody else who could…?
Not that I know of. I truly wish there was, but sadly no. I know, I’m dying. It’s killing me right now having to tell you this.
(Laughing a little) Oh I understand. Could you please hold while I look into this?
Oh sure, take your time. I just denied myself cool thirty-eight thousand dollars, what’s a little wait?
(Laughing) Thank you.
I was on hold for more than 30 minutes, and when she came back, she apologized and told me they would investigate and give me a call back within 10 days. There won’t be any late fees because of this.
Today, I got a call back from them thanking me for pointing out the error before the lien was sent out. Somebody whose account number was similar to mine paid off his mortgage and it went into mine by human error. Not only that, they would have also sent me about $3,000 because my balance was less. Since they cannot reopen the account that has been closed, I would get a new account number with everything exactly the same. They will also resend the tax information.
You know, I was wishing they would find some eccentric rich stranger paid this off for me as the good deed of the year. But no. Somebody fat-fingered a key. Shouldn’t I get some kind of reward or something? You know, for having gone through all this heartache and shit… Now I’m depressed. I know. It wasn’t my money to begin with and they would have found that out sooner or later and then I would have had to pay the penalty if I hadn’t told them. But it doesn’t make it any less painful.
Serious Stuff. Seriously
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