Thursday, February 16, 2012

So I've just spent wasted about an hour of my life on the phone with Bank of America to look into refinancing our shitty home loan.

Call 1: Got through to "customer service" and eventually transferred to another department to talk to someone re: Home Affordable Refinance Program (HARP). Other person picked up call and then hung up on me.

Call 2: Got through to "Customer service" and eventually transferred to another department, only to be told after explaining why I've called that since we're current on our mortgage, we've been transferred to the wrong department and I need to talk to customer service again and will have to be transferred again. Transferred and hung up on again.

Call 3: Got through to "Customer Service" and before I could be transferred again, I explained to representative that I've been hung up on twice already and transferred to two different departments...and that this is why I'm calling and if she could actually transfer me to someone who actually knows something about HARP and mortgages, that would be good. Finally got through to a loan officer only to be told we don't qualify because of PMI. There is no way around it and then was told to try a different type of loan that would still require us to come up with nearly 20K to even be considered for a refinance.

I am now even more disappointed in this country/government/bank system than ever.

I know we aren't in the worst shape, but we're still struggling. And even though we haven't missed a payment, and even though we're working our asses off to make sure we keep our end of this bargain, we're being screwed royally. The President can try to fix this mess all he wants, but until the provision excluding loans with PMI is lifted, this HARP program will continue to fail.

Wednesday, July 14, 2010

11/11--Remembrances.

Remembrances.
By Melissa Stevens


Poppies, Daisies
Snow white Lilies
and Roses red
Bundled together
Tied with twine and left on aging graves
Remembrances for the dead
Who dedicated themselves
To service and freedom
And fought for
Our defense
No flowers enough
No tears enough
To pay the price
For lives given on the battlefield
For sacred blood spilled
On the snow at Valley Forge
On the hills of Gettysburg
On the fields of Flanders
In the waters of Pearl Harbor
On the crimson shores of Normandy
On the soil of Korea
In the jungles of Vietnam
On the desert sands of Iraq
In the mountains of Afghanistan
On the battlefields of history
Long forgotten and fading with time.
On this day—
Veterans’ Day, Remembrance Day;
We thank those who have
Guarded us
Protected us and
Served us well;
May we nations today
Remember
The price of war
The price of hate
The price of love
The price of conflict
The price of peace
The price we have paid
And continue to pay.
We must not forget
We cannot forget
The meaning
The sacrifices
The lives
The time
The blood
Given on our behalf.
There are those who will condemn war
There are those who will condone war
But neither must be allowed
To subtract the honor
Bought through
The spilling of the soldiers’ blood--
The sacred blood
That stains our memories
And our battlefields;
Though hidden by
Verdant fields of greenest grass
Peaceful meadows of reddest poppies
Serene waters of deepest cerulean blue
And the sepia touch of time—
The blood still remains.
So bear in mind this day—
And everyday
All that was given to you
And to me
As we bow our heads in silence
In this eleventh month
On this eleventh day
On this eleventh hour;
Let us give thanks
For those brave souls
Who’ve long since gone,
Whose names are unspoken
And unremembered
As time has gone by;
For those brave souls—
Fathers, brothers, husbands
Mothers, sisters, wives
We’ve loved and lost and miss;
And for those brave souls
Who fight on still…
Let us give thanks.

Sunday, April 4, 2010

Holy S***. I'm Pregnant!

Holy S***. I'm Pregnant!
I think the title says it all. This has been the craziest couple of weeks of my life. Much of what I'll write here will be completely cliche, but:

This is...
Surreal.
Completely mindblowing.
Awe inspiring.
Exciting.
Frightening.
Nerve-wracking.
Unbelievable.


From the moment that pregnancy test read "Pregnant", I've been floating (or bloating, rather) along in a daze. My nights are mostly sleepless or restless--the kid seems to have turned cranked the inner thermostat up past 90 degrees. Yay for wet towels on the belly and big ice packs...not to mention an incredibly patient husband who is intent on making this as easy as possible for me.

He's already started coping with my newly found cravings...

Boston Market Mac & Cheese...KFC biscuits...and Chinese food. LOTS of Chinese food.

2 months down...7 more to go!

Wednesday, June 17, 2009

Gypsy Dreams

Things like that were never meant
for gypsies like us
mama said.
I had always been fascinated by architecture,
beauty of arches, columns,
decorative elements in homes, in particular.
I used to
draw houses when I was a kid.
make elaborate columns in crayon and colored pencils.
color in gardens of bougainvilleas, oleanders,
climbing ivy and rainbow colored roses.
I lived in my masterpieces.
They were more tangible to me than any real house on a real street.

Acoma, Ocotillo, Turney,
Baden, Jefferson, Roosevelt,
Taylor...Names of tucked away streets
where I played with long forgotten friends,
haunted homes where the ghosts of my past still live.

On Taylor Street,
I found my dream house while flipping through
an architecture magazine
I bought for a dime
at the Tolleson library.
The wrought iron fence with
its delicately forged roses
and vines that
formed an archway above its open gate
which invited me to walk the terra cotta path
that lead to the massive wooden front door—ten feet tall.
On either side of the door were two potted trees,
each home to a string of white lights
which would begin to sparkle come nightfall.

The door opens—
the warmth of the hearth,
embers singing, burning
living vibrantly and quickly dying
in the fireplace.
Spicy sweetness of cinnamon
and brown sugar hangs in the air…
a slight scent of basil and rosemary
simmering in a marinara sauce
adds a savory balance.
Candles flicker in their places across the room,
two in the corner opposite a heaven-reaching potted palm.
Terra Cotta tile floors give way to
travertine, marble counters, hardwood flooring.

Masterpieces—a Crayon stick-figure family
and two finger-painted dogs
lived vividly behind glass panes
in gilded frames
proudly displayed
on the walls.

French doors open
outward to reveal an outdoor fountain,
cozy dark wicker furniture,
A vast green garden.
Rows of climbing roses,
ivy, grapevines, clematis
sweet peas and lilies
and vines of juicy, ruby red tomatoes
—just waiting to be plucked.
A wooden sandbox full of toys,
sits among the blades of fluffy green grass;
a tire swing sways in the breeze.
A hand built
stage stands in one corner of the yard,
curtains drawn, just waiting for
budding thespians to preform
and an audience to sit--enthralled.

A family lives here—rich in love.
A family lives here and makes it home.
A home. MY home.

I tear out the glossy pages,
fold them up and hide them
in my favorite book,
A Tree Grows in Brooklyn.

For the next three years,
anytime I need to
hide
to run away from
my reality,
I take the well worn pages
from the hiding place
and unfold them, escaping—
I return to my dream home.

I see my children running in the yard,
pushing each other higher and higher on the old tire swing,
reciting Shakespeare and singing for me
on the little stage
I built with my own two hands.
I watch myself tend the garden,
even swollen with pregnancy,
I nurture bell peppers, chilies,
and tomatoes—
always tomatoes.
My faceless husband helps me to my feet.
Dusting the earth from my overalls,
I waddle off with my husband
through the French doors,
I carry a basket overflowing with the fruits of my labors
Squash--yellow and green,
juicy ruby red tomatoes
and fresh basil,
perfect for the night's marinara.

One day, mom and dad
tell us that we have to move again.
I understood why, but I grew angry anyway.
I didn't want to leave.
This house on Taylor Street was the closest thing
to a real home I had ever known.
I cried and cried.
I flung open A Tree Grows In Brooklyn
and sought escape
once again.

I unfolded the pages.

Only cold, shiny pictures stared back;
reminding me I was still
only a Gypsy.
Silly girl,
Gypsies don't have homes.

I tore up the glossy fantasy
and threw the pages
in the alleyway dumpster.

I pulled the rusty gate closed
behind me and
walked past the underwear hanging
on the line
and quietly slipped back
into the house.

Gypsies Like Us

Things like that were never meant for Gypsies like us
said mom.
As soon as I was aware of my poverty, I longed for finer things.
I read voraciously from the time I was one—
anything my little hands could get a hold of
menus,
old instructions on the operation of a Sony VCR,
and my favorites
discarded books
and
magazines
from the library.
Bon Appétit! Cucina Italiana!
I drooled over glossy gourmet meals,
I imagined dining on homemade gnocchi
in a savory tomato cream sauce
While I sit, sipping a frothy cappuccino
in a lively Roman piazza
in an outdoor cafe, people watching
There! An artist and easel…
Painting the Pantheon
Under Roman skies
Warmth of the caffeinated cup of heaven
in my hands
Taste the pancetta
in a bite of sauce--divine.

Brother bangs
on the bathroom door
Get out now!
Because he had to go
Number two.
"Oh shut up, Javie! I'm on my period."
That would shut him up.
I bought myself five more minutes
in paradise.
The dingy shack
on Taylor Street opened to the cobblestone Via Argentina--
Rome. Italia.
I walked along
Winding through side streets,
A church comes into view
Santa Maria Sopra Minerva
Turn the corner-- Piazza della Rotonda
And the Pantheon. I was there.
If only for a single moment.
“Get out!”
I flush the moment away.
Damn it.
I left the bathroom as Javie
slammed the door behind me
I opened the rusty screen door
Walked barefoot onto the scorching concrete
Past the washing machine
Over to our droopy clothesline
and grabbed a clothespin off the line
with a squeak.
I squeezed the clothespin between my fingers
and took in the setting sun in desert sky.
A color wheel
The teals and oranges
Artists brushstrokes
mixing the violet and scarlet
reflecting off of tufts of clouds
still hanging above me.
Silence.
I envision the Roman piazza
Across the sea
The exquisite meal waiting there for me.
Squeak.
The artists in front of The Pantheon
Squeak.
Paint on a canvas
Squeak.
Sipping wine in a glass
Squeak.
I’m not there.
Silence.
Squeak.
I began to sob as I remember
Mom said
We were Gypsies.
Reality sank in
I looked at the shabbiness that surrounded me.
"Things like that were never meant for Gypsies like us."

But didn't Gypsies live in Rome, too?

Tuesday, June 16, 2009

Stargazing, Stumps and Bullets

Arizona sunset
Hues of azure, violet and orange
Slowly gave way to blackness
And out popped the stars.
The sultry desert wind
Kissed my hair
As I sat on my stump seat in our front yard.
There was the Big Dipper and Orion’s Belt.
Stargazing…Interrupted.
My sister and brother decide to watch a movie.
They beg me to make popcorn and watch, too.
Mom grabs her purse and walks to the corner store.
Dad is sleeping in the bedroom
And the baby is toddling around the living room.
Cruella DeVille plans to skin puppies
And outside the living room window
The yelling begins.
It drowns out Cruella.
My sister cries.
Men are screaming
Then there are gunshots
The rest is a blur
Of ricochets and shattering glass.
I grab my brother’s leg
Reach for my sister’s arm
and drag them onto the carpet.
I pin the baby down
I scream-
I feel a sharp pain and wetness on my belly
I landed on my glass of water.
I hear the neighbor boy running past the living room window
Toward the side of the house
They are trying to kill him.
He wants a place to hide.
Brother holds the baby down
While I crawl down the hallway
I throw my body against the back door
And scream for my father.
It takes all I have to hold the door shut
As the neighbor boy screams and Goddamns me for
Not opening the door. He bangs
On the door and white paint chips
Fall like snowflakes onto my black hair
Dad sees me holding the door
and throws his weight against it, too.
The neighbor boy gives up
and runs through our backyard
He tears through the laundry on the line
Dad’s white shirts are lying in the dirt
He hops the fence, tearing my honeysuckle vines
We hear the gang chase after him.
Gradual Silence.
I have held my breath for an infinite minute
and am stock still until
The baby shrieks and I shake and begin to cry
Dad holds me for a moment
Then we crawl to the living room.

Outside there is silence
Soon broken by sirens
The phone rings—mom
Still at the corner store
Wanting to know we’re ok…
She heard it all and started to run toward home
but was held back by the Chinese lady and her husband
Who owned the store.
We walk outside—
There seem to be stars on the blacktop
Shell casings sparkle in the night
Softly illuminated by street lamps
Police lanterns shine
Soon we see a campground on the street
On the sidewalk
In our front yard
Little orange tents number each casing.
Dad’s car tires are flattened and there are two bullet holes in the door
Our window is broken and a bullet went through a wall.
Dad thanks God that no one died.
My stump seat is full of holes.
The next week we pack up our things
And leave Taylor Street.
I never stargaze again.