I think, we the people, can make a difference… we have to recognize when something is waddling and quacking it’s a duck. I believe we can make an impact to help America but we have to discuss it and then do something.

What do you think?

Are lenders really helping those in need with actual loan modifications to save them from foreclosure or are they just looking for a new refinance loan?

In the past year I have talked with many individuals who really needed the bail out funds to reduce their mortgage payments to stay in their homes. Absolutely none of them have been helped and some have been working for six months or longer to try and get someone at the mortgage company to work with them. Others have given up and let the home go into foreclosure.

Some lenders are talking about not accepting the bail out funds as they don’t want to be told what to do with the money.

What about the people? What about the human beings who are caught in the middle of an investment bubble that burst, jobs being lost and foreclosures are setting the real estate market values. The foreclosure values are decreasing existing home values well below the loan balance in many cases?

Is there a group of individuals ready to stand up and say something needs to be done? The voice of those in need is muted by discouragement and they need our help.

A few ideas to start the discussion include:
Calling your Congress person and explaining the paper trail of attempting to modify and existing loan.
Contacting an attorney to represent the borrower for a loan modification with the lender.
Contacting Freddie Mac or Fannie Mae to describe the process and see if they can intervene.

Let’s discuss the problems people are having trying to get a loan modification and share some possible solutions.

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What are you doing to create healthy lifestyle choices?

Is it ever too late to modify your fitness or eating behavior?

Listen to Journey and Don’t Stop Beliving! It’s never too late!

The changing economy and economic uncertainty places physical stress at the highest level in many decades. It seems like it is more important than ever to maintain a healthy lifestyle to counter act the ugly byproducts of a stress filled existence.

Fitness is something which should be a habit or a lifestyle behavior. Fresh air and outdoor activity are a natural and normal part of the circle of life. How are you letting your life set an example to family and friends with some kind of exercise? Sharing the joy of feeling nature and imbibing the freedom which comes from outdoor activity is something that is free and helps maintain balance.

Planning snacks or lunches in advance helps prevent unhealthy choices when in a hurry to get on with the day. Setting goals for the day and week and month are all part of a basic business plan. What are you doing that works on your plan for a healthy life style? Does it make a difference what your age is? What is working for you and what ideas can help others reading this post?

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Thinking about economical summer vacations makes me go back to summers in Missouri at the Lake of the Ozarks catching lightening bugs at night and putting them in a jar. Fishing off the dock for croppy and feeling as hot and humid at night as in the daytime. I think about the lemonade stand on the corner we built from old card board boxes and how we put real sugar in the fresh lemon juice. I remember bike rides with a brown paper bag and a peanut butter and jelly sandwich. We would be on an all day adventure up by the canal and over the dirt hills pretending we were in the movie, Devil at 4’oclock with John Wayne. Yes, that was vacation growing up when you are fifty five. Our summer vacation what ever we could figure out to entertain ourselves. We would play hide and seek into the dark and camp in a tent made over the clothes line with blankets. Our life was great and we had lots of fun. We didn’t know we were missing anything because that is what our summers were.

In the recent past with the aggressive economy we had a little higher expectation of what a summer vacation should be. Today we are getting a reality check with discretionary spending so sharing ideas might be a fun thing to do as we adjust to new adventures.

Do you have fun things you do with your family or on your own which are economical and could be inspirational to others? Thinking out of the box is something we all are going to have to get used to as the new world unfolds and we adjust to the change. What things have you done to entertain yourself you remember and had meaning for you?

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