I took pictures of a lot of flowers yesterday. Not just the daylilies, but also the Fuchsia. And a few other things. But let’s do this one flower group at a time.
I honestly don’t think it would feel like summer without Fuchsia growing on the deck. They make me happy and these days, not so many things make me happy. It has been a grim three and a half years.The bank will not give us a loan, even though we have a flawless 8-year payment record. Because, 60% of our income goes out to pay bills.
“Oh,” said the woman who runs the oil company. “You mean, like everyone else?” So they set us up for a loan that most people — especially now — can’t get.This is how they set up these rules:
- Figure out what it actually cost for a retired couple to survive and have a home.
- Give them about 60% of that amount and charge them more than $3500/year for each of them to get “free” Medicare.
- Raise the costs of Medicare a little bit each year while reducing the benefits,
- Don’t give them raises. This is so that each year a retired couple’s fixed income buys less. A lot less in a really bad year.
- This is a very bad year.
It has been suggested that we set up a “FundMe” campaign, but I don’t want to. We had to do it once before when the well went dry and I swore I’d never do it again. So we will work with the mortgage bank.
Maybe we caught a break because of the disaster of COVID-19. If they tried to evict every person who has a house and doesn’t have a job or money, there would be millions of unoccupied houses they could not sell
They will have to do things differently.
Pity that hasn’t dribbled down to the computers that gauge whether or not you can afford a relatively small loan, even though you’ve paid every bill you’ve ever been sent for as long as they have been keeping records.
Does it make sense? Not to me. Not, in fact, even to the bankers who were embarrassed to refuse me. They said I had an impeccable record, but the computer said no.
The computer said no. Somehow, I knew it would come to this, that one day, my future would be decided by software. I probably deserve it. I spent years building software and now, it’s running my life.
Go figure, right?