Mortgage Thoughts With a Twist

Warning: I will probably piss some people off (loan officers) in this post...but it needs to be said.

Back in 2010-ish after the "mortgage meltdown" started to subside and things normalized out a little, I used to be part of a much larger branch of mortgage peeps. We had a HUGE office on 1604 near Sigma Road...I think it was close to 4000 square feet....or at least it seemed that big! Our "leader" (I use the quotes to symbolize that he really wasn't a leader), decided to start looking around for another place to work for the entire branch because he wasn't happy with how things were going. I thought that they were going just fine. I didn't want to go.

What I did not realize was that this moving around business was his SOP. He would stay somewhere for a few years, negotiate sign on bonuses for himself and his entire crew...and then stay there for a year...maybe two...and then do the same thing over again. And then over and over and over and over again. I…

One of the things that I had said in an earlier post was about failing…and the fact that I am not afraid to fail. I would rather try something and fail miserably than not even try at all. I think that it is one of the keys to success, at least for me anyway.
I have made some pretty bold and ballsy moves in my life that I am sure that have caused others to wonder, “ WTF is she thinking?” Some have been great…some I have fallen right on my face. You just gotta pick yourself up afterwards and congratulate yourself for at least trying. Most people won’t even TRY for fear that they won’t excel at something or be as good as they envision or would like to be. That is silly. Take a chance, will ya? 
I am sitting here trying to think of some of my “bolder moves” that could have totally sucked…and some ended up being great and some not-so-much.
Like:

Quitting college when I had a full scholarship and selling everything I owned and moving to CA —> CA is where I got into the mortgage business.Quit…

My childhood was a little rough, to say the least. Unstable and unpredictable. My brother and I didn't know what our day-to-day life was going to be like because we had a father that was an alcoholic. Not a nice one. We didn't know what kind of mood he would be in, how he would treat us, if we needed to hide...

One of my snapshots in my mind that I will never forget as long as I live is when my parents sat my brother and I down and said that they were getting divorced, we were so excited! We longed for stability and we were most at peace when he was not around. Now we had a chance.

I hated what alcoholism did to my father. I used to hate my dad too.

I could not wait to leave Buffalo when I was younger and took the first chance that I could get when I left for California. We had an awful incident at my graduation party and that was the perennial "last straw" for me.


Here's where the story get's good...

My father is a new man. He has turned into one of the most…

I am an extrovert. I talk to people for a living. I am also on TV sometimes. BUT, I will tell you that walking down a runway in front of 400+ people scared the living heck out of me! It was WAY outside my comfort zone. I mean, WAY WAY out. Way the F out. LOL.

I did it anyway, and it was amazing.

In my life, I decided early on that I would make myself do things that I felt uncomfortable with or scared of. Stepping out of my comfort zone has become the norm for me and I will tell you that 99% of the time, I have LOVED it...afterwards. You just gotta do it.

This past summer, I was invited by San Antonio Threads (Taylor Mobley...this woman is an inspiration on so many levels) to model 2 different outfits. I accepted and then really didn't give it much thought...until I got there and saw that I was surrounded by beautiful (and experienced) people everywhere. Holy crap.

They did our make-up and hair and then we did a "dry run" of how it would go. ANDDDDD then I really started…

I just finished getting my first round (there were 4) of NAD Treatments. NAD stands for Nicotinamide adenine dinucleotide. It is a natural therapy that is basically a complete reset of your mind and body.

Here are some links to read about it:
http://www.koniverwellness.com/wp-content/uploads/2018/05/BR-Summary-PDF-1-1.pdf
https://bengreenfieldfitness.com/podcast/anti-aging-podcasts/what-is-nad/
Now, I will try anything that is natural and supposed to be good for you...cause, well, you never know. Additionally, those who have has this have had such wonderful results...how could I not?
The treatment protocol starts with 4 consecutive days. The nurse came to my house at 6am to begin the IV that took approximately 1 hour. The reason she came to the house is because...well...this therapy is quite uncomfortable. It hurts like a MOFO actually. Like getting the flu in parts of your body one at a time.  You feel like you are going to have to take a major poo (ha ha...I know this is way too much …

A few days ago while I was working out in the morning, something very profound happened. I have been debating on sharing it, but this morning, I decided to lay it all out there...

So here goes...

So, for months now, I have had a feeling that I am going to be called to give to someone in a BIG BIG way. Something that is outside my comfort zone for sure. I know that I am supposed to do it because the feeling won't go away. I have had a feeling that I know who I am supposed to help, but it wasn't until recently it was confirmed for me (like this morning as to who for sure and what). I bet you wonder how I know...and the only way that I can describe it is when I speak it out loud, the freakin' hair stands up all over my body really really bad...and the thought won't go away. When I do it, it won't make sense to some, but that is ok.

Anyway, back to the profound moment.

Here I am working out (chest flyes, actually) and all of the sudden I was overwhelmed with gratitude.…

Today I am going to talk about something that I see every day when I run credit and it scares the hell out of me...it is the high amount of people that have HUNDREDS OF THOUSANDS OF DOLLARS IN STUDENT LOANS...AND MAKE LIKE $50,000 PER YEAR. This makes absolutely no freakin' sense. How are you ever ever going to pay that all back? It's not possible...at least in your lifetime.
I think that student loans are the next crisis to hit America. The cost to go to college has become so outrageous...too outrageous...to the point that the cost (I believe) does not in any way justify what you are getting and the kind of job you will get after. We are going to see more and more student loan defaults because people are going to say, "F this...I can't possibly pay them back, so I am not even going to try!"...and so it will begin.
I just took a loan application this week for a teacher who went back to college to get her masters so that she could make more money at the school. Y…

I found out the hard way back in 2001 that I have a genetic blood disorder.

I had a simple surgery to remove some cysts from my ovary. Weird thing is this was not my first surgery so this to me was SOP but, well....you know. It turned out to be different.

I got a bad pain in my leg that felt like the world's worse charley horse. My leg didn't swell. My leg didn't turn red. It just hurt so bad that I could not put weight on it.

Not knowing what it was, I used one of those thumper massage thingys that you but at Brookstone...you know what I am talking about. While I am massaging my leg to ease my "charley horse" I could feel stabbing pains in my lower back. Dammit...I pinched a nerve....so I thought. WTF.

The pain got worse over the next few days...a LOT worse. I went to the doctor and they did an X-ray of my lungs because I was having so much trouble breathing. I had pneumonia. They put me on antibiotics. Sent me home.

I didn't have pneumonia.

Fast forward ano…

It is hard for me to believe sometimes that I was in an abusive relationship. A bad one. It was a dude that came from a "good family", but he wasn't good. By the time I realized what I had gotten into, it was too late, I was already sucked in and in love and stupid as hell. Love was truly blind. He was horribly verbally abusive to me and then one day it became physical. The fucker bit my nose in a confrontation. A deep bite. They could not stitch my nose because it was a human bite, so I had to walk around with a taped nose, all huge and red for several weeks. My scar is sill visible (to me) despite the multiple times of getting it lasered. Now, it serves as a reminder to me to be careful and to know the red flags that I chose to ignore way back then.

I am a strong woman...very strong. I sometimes shake my head when I think of back then and wonder how I got myself into that mess. It was crazy. It was scary. Now, I use it as a learning tool of the perennial reminder of wh…

I am a little quirky. I admit that. Quirky on the things that drive me insane. Sometimes, I feel like I am on an episode of the Seinfeld Show when I am out on a date. I sit there and think to myself, "WTF"...I call my friends afterwards and I am like, "You aren't going to believe this shit!"

I am NOT perfect. This is not what I am saying. I am also not talking about the obvious reasons for not dating someone again like being a total DB, or rude or abusive etc. These things are the random little incidences that happen when I am on a date with someone and they do something...and I am like, "EWWWWW"...my eyes widen and time feels like time is standing still. I can't date you anymore.

Now, I KNOW I am not the only one who does this. I might be one of the few who admit it. It is funny to me. Totally and admittedly shallow (maybe a smidge). I am looking around waiting for the cameras to come out sometimes on some of the dates that I have gone on and hol…

That statement is 10000% true. I would not be who I am if I did not have cancer back in 2007.

Don't get me wrong, it absolutely sucked while I had cancer and the subsequent aftermath of having to go through the treatments. I mean totally sucked monkey balls. Cancer is very sad to me, as I have seen it take many people that I have known and loved. It is one of the most horrible diseases a person can have. If you survive it though, I think you owe it to the world to let your light shine. You definitely owe it to yourself.

When shit happens to us that we don't like, we have two choices: 1) to become bitter and hateful or 2)  to find the good that comes from it (albeit very difficult to find sometimes...I know).

2 Bible verses come to mind when I write this...

Phillipians 4:8 says, "Finally brethren, whatsoever things are true, whatsoever things are honest, whatsoever things are just, pure, lovely, of good report; if there be any virtue, and if there be any praise, think on t…