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My First Interview With God.

Quick preface here:  I recently wrote a post about Tim Tebow.  Frankly,
I'm tired of folks giving him a bad rap for being a religious fellow.
While I'm not by definition the religious type, seems to me that Tim
is a great kid and a better role model than most professional athletes.
I ended that post with the following:

"And if Denver faces Pittsburgh in the Playoffs, two believers (Troy & Tebow)
will collide.  My guess is the better Football Team will win.  And God will face
a more interesting challenge, like who will replace Andy Rooney on 60 minutes?"

As reality would have it, guess who is playing in one of the AFC Wildcard Games? ...
Denver & Pittsburgh.  Of note, I'm a Pittsburgh fan.  That written, what transpires
before you is my very first interview with God:


Sardi - Thank you so much for joining me tonight.  I gotta ask, how are you?

God - I'm God.

Sardi - Good point.  Well let me get to it.  There is so much I want to ask, but
I won't at this juncture.  Rather than delving into war and destruction, the meaning
of life, who will win the upcoming election, and why Lennon was shot and Ringo survives,
I kind of wanted to go a different route here this evening...

God - They are your fingers and your thoughts, go right ahead.

Sardi - Your thoughts on Tim Tebow?

God - Great kid, nice story.

Sardi - Yeah, I agree.  You're awfully pithy.

God - Pithy?  You watch too much O'Reilly.

Sardi - Good point again.  I should watch more Pat Robertson.

God - I'm not quite sure about that.  I don't even watch him.  Why do you ask about Tim?

Sardi - Because I'm a Steelers fan and I know he has a close relationship with you.
And I was wondering if the game on Sunday would have a "12th Man" on the field that
may disrupt any potential Pittsburgh win.

God - You think I would get involved in a football game?

Sardi - Not necessarily, yet football is a part of life and you are a HUGE part of life
and it didn't seem a far philosophical stretch to at least ask the question.

God - What college did you attend again?

Sardi - You don't know?  But you're God!

God - I should have been your Academic Advisor because that philosophical
stretch you speak about would've made me turn you in the direction of
majoring in finances rather than the deep questions of this life.

Sardi - Okay, well who will be replacing the iconic Andy Rooney then?

God - Is Sheen sober these days?  Nevermind.  I hear Glenn Beck may be looking for work.

Sardi -  And the latter is sober these days, at least from a blood alcohol standpoint.  Whatever.  Fair enough, so about the game?

God - May the best team win.

Sardi - No predictions?

God - Not a one.

Sardi - Why?

God - Personally, I'm a Colts fan and centering my resources into the upcoming draft.

44 commentsJason Sardi • January 04 2012 09:54PM

The usual questions and the perhaps unusual answers.

Night was dark, as it usually is.  The preceding day was filled with possibility both endless and present.  And then I came across a post that posed some pretty interesting, if not totally cliche-like questions, one can ask them self.  This post came from the ultra-liberal Nicholas Goglucci.  Don't judge, liberals have their rightful place here on earth as well.  Political ideology aside, I'd like to answer those questions (I've chosen ten from the lot) for me ... and for my Mother just in case she still has my Father's balls and consistently reads my stuff.

If you had only 24 hours to live, what would you do?  Assuming somebody else has ran naked through Pompano Beach chanting Nick's name before me, I'd opt to go out a ball of fire without hurting a soul.  Until I know how to do that, this life is stuck with me.

 
If the whole world were listening, what would you say?  This one is a doozie.  If I try to be a smart-ass about it, it won't be funny enough.  If I try to intellectualize and spiritualize it, that will far short as well.  So, I'll just be honest:
My name is Jason Sardi and I wish I could cure all the answers to the questions and supply every euphoric need we speak of, but this is LIFE folks.  And life is rough, tough, and so fulfilling at various moments.  Sometimes we wipe a butt with sandpaper and sometimes we use Wet Ones.  Do yourself a favor though, MAKE THE WHOLE WORLD LISTEN.  You strive for that, you're probably on a good path.


If one song were to describe your life, what song would it be?  Solsbury Hill by Peter Gabriel is hard to beat.  Baker's Street is a close second (Gerry Rafferty).


If you could ask God any one question, what would it be?  Not to wax intellectual here, but I'm not sure if I would have a question.  If there is God, that would be all the answer I needed ... and if there isn't, please somebody tell me if OJ did it or not?  That way, I can rest peacefully.


If you could be a super hero, which super hero would you be?   Spiderman.  Anyone who knows me knows why. 

If you could be another man or woman for a day, who would you choose?  Janet Reno, so I could be both.

If you could be another person for a day, who would you be?  Someone observing me for a whole day.  I want to see my shortcomings and strengths from another's viewpoint.  Color me selfish like that.


If you could change one thing about yourself, what would it be?  My lack of patience and inability to take heed of my gifts and use them to their greatest capacity. 


If you could choose how you were going to die, what would you choose your death to be?  I'm pretty sure it is going to be a car accident and I won't be driving, but if I'm to choose ... that ball of fire will do.  Not cancer, nor car wreck, nor falling off my roof because I let the leaves pile up in the gutter ... I want to die in the sky, plane crash to be exact.

If you could meet any famous person, dead or alive, who would it be and why?  Bruce Lee, no doubt.  I love heroes who die early and have imperfections galore.  What makes that guy stand out in my book is that he's a hero to me intellectually, philosophically, and physically.  It would be kind of cool talking to the chap and having him kicking my ass around until I decide to stop smoking and stomp the little shit.

9 commentsJason Sardi • November 18 2011 11:12PM

In Lieu of a Happy Birthday Roast.

Thirty-Five years ago today, I was born.  To my knowledge, I had no choice in the matter.

I was going to make fun of me on such a post, like I love making fun of other people just because I'm relatively good at it and they are easy stabs and relative morons (including me) ... but I kind of had a change of direction.

Each New Year that I survived the last, I try and take a look at what is, what was, and what might have been.   Five years ago to this day, the Sardi Family had a reunion at my Aunt Trudi's.   I was dating my right hand at the time and not thinking about too much and all of a sudden a surprise birthday party broke out along the way.  It was a pretty sweet gesture and one of the more memorable birthdays I'll ever have.

There was a moment that night that stood out above all others.  Even more than my cousin Eddie (yes, I really have a cousin Eddie:) chugging beer after beer because he plain sucks at beer pong.  My Mother & I were in front of a bonfire.   We weren't drunk or anything like that, we were just talking ... outside the confines of regular life.  I recall at one point tilting my head and peering into her eyes, the fire reflecting off of her skin and soul (that's how I saw it, anyway).  I knew right then, no matter what, that if I had a choice in the matter ... Elaine Sardi would have been my Mother.  I got very lucky on whoever made that decision.

I can't sit here and type that it has been easy for my Mother to be surrounded by and raise three boys.  Heck, a couple years after the Sardi Reunion was a trip to Clarion to have an Etzel Reunion (her side of the family).  The three boys always used to jab that the Etzel Family could be a bit bland, however nothing could be further from the truth on that particular weekend.  At 32, I had blast.  The Etzels Rock!  And it shouldn't come as a surprise to me as my Mother has one of the best senses of humor on the planet.  Afterall, she has voluntarily saw my Father naked at least twice in my estimation (I have a brother and we didn't have a milkman).

Now, she probably relies on the three of us to take the fall for such sick, twisted, oft-times witty, ways to make one laugh nowadays ... just so she can remain in the quiet graces of innocence surrounded by immaturity.  Truth be written, if it wasn't for Elaine Sardi:

  • I wouldn't have ever known about Bruno Sammartino, started making fun of him, and still finding myself a Professional Wrestling Fan to this day.
  • I wouldn't have ever watched Mystery Science Theater, MTV's most demented videos, the Thornbirds, nor took part in reciting various scenes of The Movie, "Airplane."
  • I may have never got out of the attic I lived in because of my own accord and my own life choices.  Truth is, at one point I wanted to die.  To me, I was a disappointment - a screw-up ready to self-destruct.  And the only thing that saved me was knowing that she was too damn good to have a son like that.  I couldn't die on her watch.  I'd never on her watch.  It was easier and more realistic to know that I could live with her heart ... and so I've done.

Besides any resemblance of intellect, wittiness, or pure love ... I'm here because someone taught me something about the heart.  When my inevitable comes, I can only hope that world was a bit better because Elaine Sardi gave birth for that very first time.  And I think she would agree ... even if I'm passing gas on the way out.

Love ya, Mom ...

 

 

 

34 commentsJason Sardi • July 17 2011 12:08AM

The Seasonal Workers

Jennifer is writing a collection of short stories - all fiction - and needed a place to post one for review. This is just one that will appear in a collection titled "I Want to See You Again".

Enjoy, critique, or slam, as you see fit:

 

The Seasonal Workers

They were only seasonal workers, so the animals didn’t pay much attention when the great scarlet tractor came blazingThe Seasonal Workers by Jennifer Monroe along the old dirt road. It billowed dust right past the feed stalls and then on toward the vegetable garden. Bright and shiny and brand new as far as Hamby could tell. And the way he figured it, that surely meant trouble. Hamby had been keeping his eye on changes around the farm, divining their meaning, and during evening feedings, he shared his findings with the other animals.

Any farmer would tell you that a steer the size and weight of Hamby would bring top dollar at auction. No matter that he was blind in one eye, his strapping disposition set him apart and gave him absolute credibility with the other animals. If he had to strain to see, then it was commonly held among them that he must surely see more than they did. It was said that he had vision.

So it was no surprise that evening when he had startling news for them. All the animals gathered around the old weeping willow in the side yard at dusk. Even the blackbirds came to rest in a perfectly spaced line upon the twisted wire fence. All twenty-four and then some.

“There are changes about,” he began. “Farmer Grady is a clever man, but not so clever as to cross his wife. We all know how sacred her garden is, and let’s agree that not a one of us would risk our life for a bushel of her fat carrots.” They all murmured in agreement, but mostly in appreciation as they conjured visions of her bursting tomatoes and pungent thyme.

"Today that big red machine ate up her entire garden. You might’ve smelled it – the stench of hot tar and kerosene. And that my friends, is the smell of evil.” He set his lopsided gaze upon the silent bunch. They absorbed this news in that dumb-animal acceptance of things, whether for good or for bad.

When his good eye caught the knowing gaze of a pretty young French hen, the shared knowledge that passed wordlessly between them pierced his soul and caused his legs to grow wobbly. Why exactly, he could not say.

His words were a revelation, he was certain of that. Yet the farm animals disbanded as usual and followed their normal routines right on into the night. He grazed awhile in the side yard but the sweet grass left his stomach sour. He was given to too much thinking, and sometimes he lay awake all night just gazing at the stars and dreaming of the milk river that streamed endlessly across that faraway ranch.

Back in the coop, the hens were restless. Charla was an ample and outspoken Rhode Island Red, and she wasn’t the first to notice the distant sadness of the new girl, the one they called Laurel. Of the exotic French variety, Laurel’s black and white tail fanned flamboyantly, yet she was undeniably shy and remote. She smelled of violets and honeysuckle, but Charla wondered whether she had it in her to lay a decent egg. By all accounts, Charla lay claim to the largest Grade A Jumbo’s in the county, so she ought to know.

Farmer Grady fed his chickens on a diet of sweet basil, which accounted for the high demand of his unusually delicious eggs. His beef was renowned far and wide. The secret lie in the untreated Kentucky grasses they grazed upon and the honey his wife baked into their salt blocks. His animals enjoyed royal treatment and were generally happy. No one complained.

Until that night, as word began to spread about the leveled garden. An uneasy feeling overtook the animals. Scrub Jays could be heard whispering to their mates, something that never happened in the dark. The cattle whimpered pitifully, knowing but not knowing of some unspoken, impending ruin. Charla upended a violet stone near the water trough. A grave omen of misfortune, of lives hanging in the balance.

Laurel pecked at the ground under the waning moon as the other hens settled in for the night. She smelled Hamby before she saw him, and didn’t look up when he chewed the straw bale behind her. She had dreams, but never a friend to share them with. To her surprise, she told him of her desire to be an artist - how she envied the long arms of the weeping willow, painting a new story upon the grass with each change in the wind. And how she longed to be a mother, to raise chicks and sing her morning song. How she desperately wanted to fly.

Hamby understood this just as he understood things the other animals couldn’t see. Laurel was different, but not crazy as the other hens suspected. No, she was speaking to Hamby’s own dreams. At once, he realized why she left him trembling. Hamby had lost his ability to father his own brood in that awful barn accident last spring. Something to do with those seasonal workers, but he’d let himself forget the details. Still, even now, the want was inside of him, wild and newly awakened.

It went on this way, their fast growing kinship taking hold much the same way the flowering clematis vines twined against the stone walls of the farm house. Trading dreams and conjuring possibilities kept them calm through the rainy nights of spring, and before long, it became harder to separate their plans for the future.

Colorful sweet pea blossoms meandering through the witch hazel announced the arrival of summer. It was hot and the days were long. The sun draped generously over the rising fields. What with all the activity around the farm, no one noticed that Laurel wasn’t leaving her eggs in her nest. She rose early and dragged them one by one to the watery glade in the irrigation ditch where she sat upon them for hours each day. But alas, not a one ever hatched.

She sang them her morning song, scratched parables in the mud, and even tried to fly from the lower tiers of the wooden fence. Still nothing happened. Eventually, emptiness took root inside of her like a wild mint. Everything she wanted seemed farther and farther from the realm of possibility. She stopped dreaming at night of golden sunlight and spirited chicks. In their place, her dreams were filled with murky, inky blackness. She stopped clucking and her showy checkerboard feathers began falling to the ground, leaving a trail behind her. One by one, as her feathers grew back in, each was as white as snow.

When Hamby noticed Laurel’s fallen feathers in the pasture, he became alarmed and followed her downy trail. Near the watery ditch he came upon broken eggs – dozens of them. Some were fresh and cracked wide open, while others had turned to powder. The sight of it frightened him. He might’ve noticed sooner, and kicked himself because he hadn’t. Just as he’d foreseen, there had been trouble on the farm. A new corral filled with young steer had replaced the vegetable garden. The hens had grown agitated now that their fresh herbs had been replaced with commercial chicken feed. Even the wily farm cats had stayed away as the verdant scent of the garden gave way to swarms of black flies.

So it was that he sought the wise council of Belladora, an old black mare that grazed along the farthest edges of the pasture. Many believed her to be a sorceress because she was shod in red shoes. They tended to leave her alone unless they needed her special brand of magic. For she knew better than to let them into her heart. Though she and Hamby naturally got along, and understood one another as wise souls often do. She was a gentle spirit and unless asked, she kept her thoughts to herself.

“Why would a chicken break her own eggs?” he asked. Belladora calmly tore at the grass as Hamby told of Laurel’s deep wish to become a mother, and how none of this made any sense to him at all. How he was lost without Laurel’s companionship now that she refused to speak. How his heart was breaking apart.

He tried to graze alongside the dark horse, but was much too distressed to eat. He shuddered as a golden eagle swooped down and plucked its dinner from the field. It was a long while before Belladora issued her recommendation. “Offer her the one thing you treasure the most,” she proposed, “that which you cannot live without”. And with an air of finality, said nothing more.

Later that night, Charla whispered to Laurel through the wire wall which now separated them. The purple flower petals that Laurel used to line her nest had dried to a blackish gray and crunched as she shifted around to hear her better. Hamby had sent word to Laurel asking her to meet him under the willow when the moon was high. But she knew she couldn’t face him. Not now. She couldn’t find the words to explain what she had done. How they had come and stolen her babies each morning before she awakened. That she had named each one after a star. And try as she had, her chicks refused to hatch, and this truth had taken her very soul. Words filled with such darkness simply didn’t exist, she was certain of that.

The wind rustled through the chicken yard as she made her way across the farm. A violent gust of wind sent her rolling into the dusty cow pen. When she finally reached the willow, she was ruffled and exhausted. With no sign of Hamby, it didn’t take long before she realized she had made a grave mistake. Hope, it seemed, wasn’t her strong suit.

“I will give you anything Laurel, anything I have, just to see you happy again,” Laurel heard Hamby’s words but she couldn’t see him, nor was his scent carried with the wind. Once again, she heard his entreaty, certain of the sincerity of his words. But as with all of her dreams, he seemed to disappear as soon as she opened her eyes. And when she did, she was outside of herself, out on the far edge. Her center existed only in the reflection of Hamby’s eyes. Eyes she couldn’t possibly look into again.

All the way back to the coop, she saw nothing more than the swishing tail of the old black mare far off in the field. She trudged through the milkweed; it’s pods sticking to her feathers. She fought the wind and lost her way, shivering from her fall into the water trough. Through it all, his words echoed within her. I will give you anything.

She loved Hamby like nothing else in this world. There was nothing she would take away from him. Not a thing. All she wanted was to give to him. To share her little chicklets with him, to live out their dreams.

She had to think things over. With each passing day, the cattle grew larger, the wheat swayed golden-red in the evening sun, and the animals stopped meeting by the willow at dusk. Smoking diesel fuel mixed with dirt hung in the air and lined their noses. Even the flowering purple clematis, bleached by the sun, had turned an orangish gray. When Laurel found Hamby drinking all alone, she summoned what courage she could muster and startled him with her words.

“I want your whiskers,” she said, “I want the end of your tail, and…” she hesitated, ‘ I want your heart”. For the first time in weeks, Hamby smiled. That night they met under the willow, and with the help of the scrub jays, his whiskers were plucked and wrapped up in clover leaves. They trimmed his shaggy tail and tied the wavy locks to a broken limb. His heart, he silently imparted to her as they lie huddled together in the blue hour beneath the waning moon. For a little while, they were happy.

The next morning, the big trucks arrived early. The seasonal workers rounded up the cattle and pointed them toward the loading ramps. A bad feeling came over Laurel as she searched frantically for Hamby. When she found him lined up with the others, she scuttled beneath them to ask him why he was leaving her. But he couldn’t look at her. His good eye had failed him - his vision hadn’t foreseen this particular nightmare. His head was down but he refused to let her hear him cry as the truck took him far away from their farm.

But Laurel cried. She wondered if this was just the way things were in this world. If swallowing her sadness were the only means of survival – such as it was. She unwrapped his whiskers and lined her nest with them. She slept with his tail wrapped around her. And when the morning came, as it surely did, she opened her white wings and let the wind carry her high up into the breaking sky.

 

By Jennifer Monroe - Copyright 2011


 

14 commentsJason Sardi • April 19 2011 09:08PM

The Used Car.

Most know that the very first thing that happens when you buy that used (or new, for that matter) car off the lot, is that it loses a ton of value.  But we buy that vehicle anyway because we need it to get to work, take the kids to school, go shopping for food, and run around this great big world without having to utilize our feet anymore than advocated by our favorite podiatry artist.  Heck, it's plain convenient in the world in which we live.  We know it going in, buy it, and meander along the merry trail that is our life.

Has buying a home been any different in recent years?  In reality, probably not.  However most of history and especially years prior to the proverbial bubble getting a nice dose of a needle, told us that buying a home was an investment.  Well, in comparison to buying a vehicle of any kind, I maintain that buying a home reeks much larger in the aspect of returns.  But is that really why we bought it?

I'll share my story and try to keep it pithy, parsimonious, and pragmatic.  I bought my first home in 2006 under peculiar circumstances.  I was roomies with a guy I worked with who signed a lease to purchase agreement and then bailed without any notice.  And people wonder why silver lays upon my locks ...

Left with Utility Bills that would make the comforts of Death Row (and electrocution) look rather cheap ...

I worked out an agreement with the owner then to buy it myself in a year and I did.  I made every cardinal mistake in buying the place (no inspection was my every cardinal mistake) and to the races I went.  If I ran for Political Office manana, all bridges (and floods) over troubled water I've had would be found.    It's still the proverbial work in progress, as I liken myself to the Yogi Berra of Homeownership ... it ain't over, til it's over.

I ask myself daily of why I bought this house.  It was affordable and I didn't know about the other things that would ever get in the financial way of that reality.  If I was renting, I would have experienced the same situation.

But I put some time and money and time into this abode.  Was it an investment?  At the time, I can honestly answer that I felt it was.  But that is not why I bought it or am still here.

This is my home.  I need it to get to work, take my kitties to the playground, store food for my shopping, and live comfortably in this world without having to utilize a tent and yet another Oliver Stone reference to how bad Capitalism can be.

They bailed out banks, introduced HAMP, and have kept interest rates lower than my own IQ after a night of drinking with a former B-Music Celebrity.  Yup, I drank Hootie of the Blowfish under the freaking table.

Is any of that helping?  I'm not sure, perhaps.  But I don't really care.  Because it's not about what "they" do in regards to what is going on.  It's about what I do.  And if I lose this abode tomorrow, maybe I'll be out to sea chanting "Wilson" like Hanks from Castaway ... but I won't be doing it without ensuring that my used car won't be one left alone just because the value went away in Zillow's Mind. 

Nope.  The value is why I bought in the first place.   As hard-core in spirit and in reality as I like to pretend to be, having a home is a nice thing to have.  I want that ...

... used car.

12 commentsJason Sardi • January 17 2011 11:31PM

Work-Out Tips For Blogging Wimps.

Does your chair sigh when you are about to sit down to further build your business or garner that next Gold Star?  Does your mirror ache at the very image of you without the fog of shower's delight?  Does waking up every morning feel like trying to pole vault over the late Wilt Chamberlain's shadow when trying to get out of bed?

Like many, you may be experiencing atrophy of your physical being.  It's common, even among those who don't fancy themselves the literary or marketing types here in the online world of Social Media. 

Personally, I've never had to deal with it.  Heredity has a large part to do with that, since I have good genes (from the waist-UP).   And I've also been working out in some sort of fashion since I was 22 years of age, the very day I hit puberty.

Yet in years where I wasn't feeling my physical best, I found that my general contributions to whatever I was doing didn't quite pack the punch that they did when I was doing moonsaults off of my roof during Halloween just to freak out the "unique" kid in the Meatloaf Attire. 

So, I write this with hopes that anyone who may still reading can scurry through the clutter of words and take what I'm about to write to heart ... your body is as important as your mind and maybe one step or two below your soul (if you believe in the latter).

Here goes:

Stretch -  Seriously, there's no better way to treat your body than simply stretching.  You don't need to take out a membership at Gold's to do it or get a tacky tattoo on the nape of your back reading, "Look Ma, No Steroids!" to practice such a simple art.  Look into Yoga or anything that will loosen up the body you are born with.  And by the way you Internet Freak, you can find it all Online:)

Walk -  Walk everywhere you can.  The next time you go shopping, park as far as feasible away from the mall or market you are shopping at.  Walk.  Good for the knees, pleasant on the lungs, a wink at your soul.

Strength - Push-ups are nice, even if you have to do them from your knees at first.  Isometrics are a good deal as well.  You don't have to be squatting 450lbs your first day out to build strength.  Just do things like taking two stairs at a time, getting up to change the channel, doing 5-10 push-ups between commercials, and have more Sex.  That's right, but only do the latter with your significant other or a reliable blow-up doll.  You can't be too safe these days.

That Heart of Yours- Yup, and this is where I'm a hypocrite ... but you can read the fine print to see why.  While all the above, done consistently, will get that heart a pumping, your cardiovascular condition is damn crucial.  If you are breathing heavy after turning the channel from Seinfeld re-runs to the latest addition of Diners & Drive-Ins, you may want to seek a paper bag and a decent Health-Care Plan.  Exercises in breathing help, yet are only one way to help your ultimate quest in tracking Bruce Jenner down in a 10K marathon.  Ride a bike, stationary at first.  Perhaps stationary ... period.  Get that heart a pumping ... oxygen is to it as the Middle East is to those four wheels you are driving.

I don't want to replace the Richard Simmons's of the world, because only God knows I don't have the fan-base, charisma, or body in a one-piece 'whatever you call that',  but I do want my fellow human beings to be a bit better than a recycled physical casualty.

If you follow these simple pieces of wisdom dealing with your ligaments, you could end up like this!

And as promised, here's my fine print:

With full disclosure, I'm a smoker.  That automatically negates me as an expert on this issue, no matter how good I look naked.  That written:

Eat Garlic, Salmon, Avocado, Tomatoes, and drink plenty of Purified Water (or any water for that matter, unless you reside in certain in areas of the Congo ... or Chicago).

And yes, quit smoking, over-eating, and having sex with the neighbor wearing the horns during that weird little Halloween Party.  Do anything for love ... but don't do that!

33 commentsJason Sardi • September 20 2010 11:29PM

Happy Retirement, Uncle Ed.

So I've got this Uncle and for years he worked at our local college in Clarion.  I suppose if you were to chalk up hard work over ones lifetime, he'd be cemented in the annals as one those guys.  I always knew he was one of those guys, yet he was and is a bit more special to me than work ethic alone.

When I approached the often times trying years of teenage zits and pubic hair unaccompanied by the wisdom that should grow with it, I felt awkward and often times alone.  While fine with the latter, every family get together made me smile because I got to look into my Uncle Ed's eyes.

In those eyes, I saw a man, an imperfect one, like myself, who probably used too many commas in his sentences as well.  And in those eyes, I took comfort.  His sense of humor was one of the few that actually made me LOL, before LOL was the proverbial catchphrase in the forum you may now be reading.  I'm not sure about you, but I don't "LOL" nearly much as I may lead on.  But Uncle Ed affected me in that way. 

It's difficult to try to write anything about a man you would just rather hug, cause I probably didn't do it the last time I was there.  At least, not enough.  Don't get me wrong, I shouldn't be humping his leg or anything ... but mad props go out to a guy I'm pretty fond of.  I think part of my fondness for Uncle Ed is our similarities ... I've never saw him cry but am damn sure he does it as passionately as he laughs.  And he legitimately cares about people ... which I would dare say is more common than not with most, but I experienced first-hand that type of care when my cousin helped give birth to his first grandchild.  I walked into the room seeing my Uncle Ed cupping that young buck in his arms as they fell into dreams. 

Sometimes, you just know ...

My Uncle Ed retired from Clarion College and the work-force as we know it just recently.  When I heard the news, I automatically traced my synapses to ensure what I was feeling was genuine ... and it was ... and is.  The guy is a legend in my mind.  And while that may not mean squat to some, Uncle Ed means the world to me. 

Happy Retirement, Sir.  And remind Sue that if she flies, I dance.  However we can get together, let's freaking do it!

 

20 commentsJason Sardi • June 23 2010 12:23AM

Upside Down on Your Home? – Here’s Your Playbook

Charles does a fantastic job here and the last line of the post is pretty clever if I do say so myself.  Put your learning caps on and become a sponge, my friends.

Via Charles Dailey (iLoan):

In my home state of Minnesota, Minneapolis and Saint Paul have nearly 39 percent of homeowners under water.   I've had the question, "I'm upside down on my home, what are my options?" so many times that I wanted to prepare a menu of options for people to reference.  This article briefly outlines 9 potential solutions that may serve you well.  The target audience here is not necessarily someone who's in default on their loan but simply one who owes more than the home is worth.

All too often, when one is upside down on their home and/or struggling with their mortgage, they reach out for one to three options that they may have heard about on the news or from a friend.  What homeowners should be doing is seeking the advice of qualified real estate agents, real estate attorneys and a skilled loan officer.  But, . . . before a homeowner picks up the phone, there's a lot of homework to do!  Before one calls the professionals, they'll just be spinning their wheels until the following items are ready:

  1. Know your address.  You may know it to be one thing but for these purposes, your address is whatever http://www.usps.gov/ tells you it is.  So go to this website, click on "find a zip code" and type your address.  The postal service will then give you the address it has registered for you.  This is the address that Fannie Mae and Freddie Mac use so it would serve you well to do the same.
  2. Collect your financial documents.  Whether you're working with a loan officer on a loan, a Realtor on a short sale or an attorney on a bankruptcy or modification, they'll all need a complete set of your financials.  This includes 09 and 08 tax returns, W2's and 1099's.  If you're self employed, you'll need 2009 and 2008 tax returns from your business.  If you haven't filed your 09's, get it done.  You'll also need copies of your most recent paystub, most recent bank statement, most recent statement on any retirement accounts, and a copy of a mortgage statement on each mortgage you have.  Getting these documents scanned to image documents such as Adobe Reader can really speed things up.
  3. Collect your legal documents.  It would be wise to, at the very least, have a copy of your mortgage note.  If you are planning on meeting with an attorney, it would be much better to have your entire closing package.  This should have been provided to you by the title company that closed your loan.  Again, getting these documents scanned to image documents such as Adobe Reader can really speed things up.
  4. This isn't necessary, but it's wise.  Get a copy of your credit report at http://www.annualcreditreport.com/ (this site is truly free and not a scam).  Knowing the content of your credit will help you write letters of explanation if you're doing a mortgage loan or a hardship letter if you're doing a short sale.

Getting this done is arduous but it will prove invaluable to those you ask for help.  Now you're ready for that menu of options:

  1. Fannie Mae DU Refi Plus - If your loan is owned by Fannie Mae, you may be entitled to refinance up to 125% of your home's value.  You can get a loose idea of what your home is worth at http://www.cyberhomes.com/.  To see if your home is owned by Fannie Mae, go to http://loanlookup.fanniemae.com/loanlookup/ and enter your address as it appeared at http://www.usps.gov/.  If it is owned by Fannie Mae and you owe less than 125% of the value of your home, you may be eligible for this loan.  The rates are slightly higher than normal advertised rates because of pricing add ons but they are close enough to market rates to be a heck of a deal.
  2. LP Open Access - If your loan is owned by Fannie Mae, you may be entitled to refinance up to 125% of your home's value.  You can get a loose idea of what your home is worth at http://www.cyberhomes.com/.  To see if your home is owned by Freddie Mac, go to https://ww3.freddiemac.com/corporate/ and enter your address as it appeared at http://www.usps.gov/.  If it is owned by Freddie Mac and you owe less than 125% of the value of your home, you may be eligible for this loan.  The rates are slightly higher than normal advertised rates because of pricing add ons but they are close enough to market rates.  This program will not let you finance more than 5 thousand dollars in closing costs and prepaids so if your settlement charges exceed 5 thousand, be prepared to bring cash to closing.
  3. FHA 115% Write Down Refi - This one doesn't have a name yet so I just made that up.  It's a complicated program and I'm not sure how successful it will be.  Essentially, if you're refinancing a non-FHA loan, you'd take a loan out at 97.75% of your home's value.  A balance may be subordinated to the first mortgage thus becoming a 2nd mortgage but that loan may not exceed 115% of the homes value.  For any of this to happen, the existing lender/s must write down their loan balances by at least 10%.  Here is the announcement for this program.  You must be current on your mortgage to qualify for this loan.  A history of late payments will likely disqualify you for this loan.
  4. FHA Short Refi - This one is a little simpler.  Essentially, you get preapproved for a 97.75% loan to value FHA refinance.  This loan will support a certain amount to be paid to your existing lender.  Whatever the loan can't support, assuming you can't come up with the difference in cash, will have to be written off by your existing lender.  You'd be surprised how many lenders are willing to do this (I know I have been).  This was officially permitted by HUD in December of 2009.  You must be current on your mortgage to qualify for this loan.  A history of late payments will likely disqualify you for this loan.
  5. Modification - You do not necessarily have to be in default to get a loan modification.  If you've had any kind of hardship (i.e. involuntary reductions of income or unavoidable increase in expenses that indicates that you might go into default and you feel that you owe so much on your home and at such poor terms that you're losing your incentive to repay, that might be enough to qualify.  Many people have their own opinions on this and I don't assume that mine is the best but I don't recommend contacting your lender directly as a starting point for a modification and I don't recommend calling a pay for hire service either.  I recommend calling 1-888-995-HOPE (4673) to speak with a HUD approved counselor for free.  They will conduct an interview and serve as an initial intermediary between you and your lender.
  6. Chapter 11 Bankruptcy - It's expensive, it's a long and hard process but unlike Chapter 7 and Chapter 13, a judge can order a mortgage modification under a Chapter 11 bankruptcy plan.  It is the most flexible type of bankruptcy and is thus difficult to explain.  Consult an attorney with specific Chapter 11 experience.
  7. Deed in Lieu - This is where the owner of a property deeds the property back to the lender to avoid foreclosure.  Obviously, this only makes sense if you want to get out of the situation quickly and don't want the house anymore.  I highly recommend the assistance of an attorney in this to ensure that the act of deeding in lieu serves as payment in full of your mortgage to prevent both damage to your credit and the potential of deficiency judgments
  8. Short Sale - A short sale is where a homeowner and lender cooperate to sell a home in a situation where more is owed on the home that the house is worth.  The buyer and their Realtor prepare the home for sale and market it and in exchange, the lender writes down the balance of their note to facilitate the sale.   It is less costly that foreclosure so lenders are typically willing to do this.  Often times, with the help of a good Realtor, damage to your credit can be ameliorated.  When choosing your agent, make sure they have a lot of past experience with short sales, are aware of what is changing in short sales and, preferably, they have done short sales that involve your current lender.
  9. Foreclosure - Now I hesitate to even mention this but a fact is a fact.  Foreclosure is an option.  If you're upside down and you can't make your payments, sometimes you just have to let go.  Too many people think the sheriff's sale is the end.  It's just a step in the process.  Although it varies by state, foreclosure is usually a 9 month process.  So, 9 months of living there and then you move out.  It's an ugly option. . . but it's an option.

When we are under stress, we often reach for the first or easiest option that might get us away from the cause of that stress.  In the case of the underwater homeowner, that can be a huge mistake.  Few know how many options they really have and, if these options are weighed carefully, they can learn that with some effort on their part and the help of qualified professionals, they can get away from their problem with a good solution in hand.

Please remember that all four of these loan types are very difficult and consequently, you'll need an excellent loan officer.  Managing your legal risk in a deed in lieu situation or conducting a Chapter 11 requires a seasoned and sophisticated attorney.  Proper execution of a short sale is both a science and an art so, if that's the route you take don't make a quick decision on a Realtor.  Just because they advertise as a short sale expert doesn't make it so.  Choose your professionals wisely, be deliberate in choosing the solution that you want and be organized and you'll find that you're closer to being stress free again than you think.

My heart goes out to you for your situation and, . . . if misery loves company, . . I'm right there with you!

Charles Dailey

612.234.RATE (7283)

charles@charlesdailey.com

0 commentsJason Sardi • April 04 2010 02:36PM

The Zen of Ten. 2010 & The Path of Financial Righteousness.

As typical, let's start with a song.  (Is it me or is that Brad Andersohn?)

Predictions aren't my forte.  Then again, neither is driving distances over twenty miles, yet I have to do that a few times a year as well.  And each new year brings new ideas, opportunities, hopes, dreams, and more sales for folks producing Calenders.

This past year may go down as one of the most difficult for the Real Industry.  2009 is not alone, though.  It was preceded by 2008.  2007 came before that.  So the story goes...

And while we can all learn from the past, live in the present, the future beckons.  So, therein lies my predictions on what's around the proverbial corner: 

  • Credit Requirements loosen up.  Scores aren't deemed as important as the credit history and circumstances behind such matters.  The human element is re-introduced, which leaves Stephen Hawking running wind sprints against the hands of Father Time.
  • Upfront Mortgage Brokers/Bankers aren't a sales pitch, but a reality.  Personally, I never understood why the concept was so narrowly defined that it became the sales pitch that it now is.  Who are they comparing themselves to, the "Back End Bend You Over" Brokers/Bankers?  When a home, anyone's home, is on the line, "Upfront" should be the norm ... not the catchphrase of the day.
  • Credit education begins to be taught at a young age, let's say well before eighteen.  When you start driving a vehicle whose weight measures in tons, your knowledge of how to gain financing for said vehicle weighs even more.  Creditors make money off of ignorance.  I don't mind anyone making money.  I just mind anyone being ignorant.
  • Your house is your home.  It's not an ATM Machine.  Enough written.  Now go and put up those Christmas lights.
  • Regulations on the Mortgage Industry continue to do everything but collect dust.  They are implemented!  And then one day, some smart chap in Eastern Pennsylvania proposes that they remain consistent across the board.  Federally Chartered Banks have to follow the same rules as Joe & Chico's Mortgage Outlet on the Eastside.  If you want competition, provide an even playing field ... you'll get it in droves.
  • Jason Sardi never touches a drop of alchohol again.  Okay, that one is a joke.  But, it could save yours truly some money if implemented.  Busch Pounders aren't as cheap as they used to be;)
  • Pre-Approvals will not replace Charmin for wiping the vertical smile below the small of your back.  Along with a full application, all supporting documentation will be collected and reviewed before addressing the streets with one's ability to purchase a home. 
  • The HVCC gets axed, like any form of lumber in front of a pissed off Paul Bunyan.  Appraisers, Realtors, Loan Officers, & Borrowers all rejoice.  Finally, someone who knows the area is giving their educated opinion on the market value of the home.  In what becomes known as true poetic irony, Mario Cuomo gets kicked out of office and becomes an appraiser.
  • Interest Rates remain stable and relatively low.  House prices do the same.  What becomes of this is a flurry of late-night Real Estate "Get Rich" schemes that take in as much money as it would take to bail out our collective debt-load.  Carlton Sheets appears on Larry King and is interviewed by Donald Trump ... who is chastised openly by some Asian Man with a Rich Dad & a Poor Dad.
  • Finally, Active Rain stabalizes as the leading source of online Real Estate News & Commentary.  Despite vicious rumors of Bob Stewart's eyes being a remote version of the Anti-Christ, the Real Estate Community continues to be enamored by the possibilities exposed in reaching folks through Social Media, Interaction, & a simple Search Engine Search.  The Members educate and the forum stimulates ... Blanton even gets a commercial spot for Viagra.

So it is written, so it shall (My God only hopes) be done.  As far as me in 2010, I have a prediction ... a song, if you will...

Good Night.

79 commentsJason Sardi • December 04 2009 10:47PM

They wrote what?

There's a bad habit I own, that of reading while eating.  Yesterday, I went with Jennifer to partake in a small feast that was our breakfast. 

After sitting down in front of a local version of a western omelet, my eyes pierced the parameters for any bit of written word I could find.  The only one available was The New York Post.  Personally, I think the paper pretty much sucks and the so-called writers/journalists who participate (from what I've read) contribute to my general feeling.  However, they are selling papers and those writers/journalists are making a coin, so who be I to fault them in what still remains a Capitalistic Society?

From page to page I turned to find something that was remotely interesting to read as I indulged in what happened to be one of the better breakfasts I've had on this planet.  I'll plug that small Bethlehem Diner in the near future...

And then there was a story and a passage of which that caught my eye faster than seeing Dustin Diamond running across the beach holding hands with a smitten Corey Haim. 

The following is that passage and ended that story:

"The Henrys settled on two lenders that made similar offers.  In the end, it came down to perks.  One offered frequent flyer miles for every $10,000 borrowed.

"That's what tipped the offer," says Henry.  "We're going to take a second honeymoon in Europe."  (Source: Thursday's New York Post Article, while I was eating a kick-ass breakfast)

Sounds ripe, doesn't it?  You can make up your own mind on what you think (if anything) about such a matter.  Sounds to me like somebody is quasi-indirectly paying for business, kind of like when you refer this person to that person and they pay for your cell phone bill, your car loan, your implants, and make a contribution to your potential alimony.  Mafioso gone Corporate, or Corporate already being a tad Mafioso?  Okay, maybe that's being a bit over the top ... or is it?

So, it has been decided that to improve my particular business, I will enhance the "perks" of doing business with me.

Every Mortgage Application that turns into a closed loan that I receive (in full)* before 2010 will result in yours truly giving the applicant a full back massage, a peek at my esteemed Baseball Card Collection, a unique insight into the Kennedy Assassination, and two samples of Aveda bar soap.  And if that's not enough, I'll tattoo your name on my ass if you fit the fit the bill.

Or, I guess I could earn business the boring way ... giving folks the best products I have and the best service that only I can provide.  But who wants that?  Dance with danger...

 

 

 

 

 

*  A full application entails you and I filling out a full 1003 Application, collecting all supporting documentation that is necessary, and taking blood and hair samples as we need them.  There is little in the way of a guarantee that you will qualify for said services, but it rarely hurts to ask.  Please visit appropriate guidelines and fine print to see if you qualify for such services.  Oh, come on, you have to love fine print.

 

 

23 commentsJason Sardi • November 14 2009 01:00PM