Capitalism: My own love story with US Bank

Back in September I started a journey to buy a house.  I scheduled an appointment with the predator, oops! I mean, lender and began the process of jumping through absurd hoops and emblazoned rings of fire.  You know the drill!  First time home buyer gets a groovy new job making money with potential earnings based on commission, everyone is excited (boy this girl is thinking, I'm going to make more money now than ever before!), my predator -there I go again - lender starts pulling strings this way and that and finally we are about to secure a closing date and WAIT!  One more hoop!!!  He wants me to REFINANCE my 2002 Jeep Grand Cherokee Laredo.  Really?  Why?  That car is a salvage and I've got my loan maxed out on it.  Nobody who works at my real bank would allow me to do that because they give a shit!  About me and their own careers!  Why would I extend a loan out on a car five years that won't last the end of this one, I ask, what's going on?  He says, You are a 41 ration for debt to earning and you need a 48.  Well, now, I've already given him all my tax info and my $500 non-refundable processing fee to discover that this is the moment when this thing falls through because, SURPRISE, Chrissy, you can't afford that house!!!  I say, no thanks, I'm pulling out.

I am lucky to not have gone through with that because within no time at all my big money job turned into a big sexual assault nightmare.  So, I emailed the preda-ehem!-lender in a professional matter saying thank you and should I pop in whenever to retrieve my tax files?  He never replied.  Big shocker that one! So, I call and he refuses my calls.

 I will be walking in there today in the hopes that my file is waiting for me somewhere.  God help me with patience.  I'm just about out!

Thank you for reading!

www.ChrissyHogue.com
www.ChrissyHogue.icanvoice.com

Ragged Dick

Some of you may remember this idealistic novel from reading it in high school.  Other of you may have stumbled upon it yourselves.  For those of  you who haven't read it at all: it's a story of Rags to Riches.

Rags to Riches is the American Dream.  People from all over the world come here to achieve it and some succeed.  Think Penelope Cruz, Michael Caine, or any number of people who are not as famous but equally as rich and successful.

Many of us will wonder for the rest of our lives how to strike it big!  There are resources, books, consultants, etc all out there ready and willing to tell you how but in the end, the fact is, it really is just luck combined with perseverance.  And, even then, you may exit this life with nothing.  So what!?  It's fun to play, isn't it?

"Do the one thing you think you cannot do. Fail at it. Try again. Do better the second time. The only people who never tumble are those who never mount the high wire. This is your moment. Own it."  -- Oprah Winfrey