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Archive for June 7th, 2008

            Wow, just as schools get out for the summer…travelers have been hit with a double whammy.  Not only do people have to plan their travel plans around construction zones…but, with all of the wild weather the central states have been experiencing, now they need to avoid areas hit with major flooding.  It is worth taking the extra time to reroute your trip to avoid putting any extra strain on emergency services in these areas.

            The national weather service has given warnings in 15 counties in Indiana because flooding is becoming a major obstacle for both residents and travelors alike.  In fact, residents in central Indiana have been being evacuated because of fear of dams failing.  This is massive flooding that endangers many people.

             In fact, major highways are being closed down because of flooding.  Highways, I-65, US- 31, and I-70,  all have portions of their roadways closed.  In Terre Haute, US-41 was the only option available and only one lane was open at that.  This is scary…where will that amount of people go for safety?  If in doubt contact the authorities if you are affected by flooding.

             To add to the confusion and difficulty, thousands upon thousands are without power in Indiana, Ohio and Michigan due to the storms that have been assaulting the area.  Businesses, hospitals, homes, nursing homes, and school buildings are all affected.

              This time of year it is wise to remind people of emergency safety precautions.  If possible prepare ahead of time.  Have available bottled water, blankets, extra clothing and non-perishable food items.  Keep medications and important documents in a handy place to make a quick exit if need be. 

             Also it is important to remind people not to go near downed wires.  Report any gas leaks immediately.  Never, never try to drive through areas where water covers the roadways; too many people end up stranded or dead from flash flooded roadways.  It doesn’t take much water to make a vehicle uncontrollable in these types of conditions.  Safety first.   Keep a cell phone handy to report any emergencies to the authorities.  Keep up to date on the latest weather conditions in your area.  www.nws.noaa.gov/.   Be safe everyone!

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        You know what…i don’t know much about foreclosures on a home; but, my family came closer to it than i want to think about this past winter.  I know that foreclosure is happening to more and more people.  I live in a state where the economy is all but paralyzed.  People are loosing their jobs, left and right.  The cost of living is skyrocketing.  I know people who are working two jobs and still are struggling to survive.   I also know people who have gone to donate blood and plasma just so that they had gas money to drive back and forth to work.  This puts the quality of life into the depression era, as far as I am concerned.  Foreclosure can happen to anyone because, right now, the economy stinks.

         This past week, we have heard about a couple of high profile people, Evander Holyfield and Ed McMahon, who are possibly loosing their homes to foreclosure.  One of them, Ed McMahon seems an unlikely candidate to loose his home to foreclosure…however, Ed explains his situation.  He says that he wasn’t paying attention to how his money was managed by business people.  He also says some personal difficulties such as divorce and a broken neck decreased his finances and his ability to work.  He says that he worked hard all of his life.  Alot of people are in the same situation…maybe they can’t even retire or pay for their child’s college because of their financial situation and the possible loss of their home.

           Ed McMahon talks about the million, or so, people in the United States that are now facing foreclosure and says that he understands how people are working hard and due to their personal circumstances they could lose their homes.  Many of them, Ed says, didn’t do anything wrong…maybe they lost their jobs or face medical, financial difficulties…but because of those situations…they are being forced out of their homes that they worked so hard to have.  He says he would like to tell them to find the best help available and to not give up. 

         Those explanations are real life for alot of people.  It has been recently estimated that 1percent of home mortgages have gone into foreclosure from January- March of this year alone; that is around 447,723 families.  Divorce, job downsizing, health issues and the economy are putting more and more people in jeparody of loosing their homes.  For most people, their home is one of their biggest assests or investments.  How does this concern you?   Let’s take a look… 

          The problem is…as the economy worsens…more people loose their homes and that means that more homes are on the market.  Say you want to sell your home…how are you going to do that with all of the houses sitting empty on your street, in your neighborhood, or your town or state?  And if you are lucky enough to find someone who wants YOUR house….will they give you what you have to have financially for it?   Housing that is devalued further complicates the issue.  Propety values plummet in areas where there are many foreclosures.   When people owe more on their house then it is worth, because of the devaluing of it…they can’t sell it without taking a huge financial loss; not to mention coming up with the money to move somewhere else.  The stress and the emotional toll it takes is devastating.  It is a bit like a chain reaction…because then their credit is damaged…and finding another place to live is difficult, relationships take a beating in times of financial crisis too.  Other people can be quite judgmental and often people feel ashamed of what they are going through.  The changes that a family has to go through in a foreclosure has a far reaching impact on schools, jobs, relationships, health and emotional well-being.  I heard a random number tossed about in a news report of between 7-8,000 people enter into foreclosure procedures a DAY!  Those numbers are staggering…and devastating to our economy.

         There are those who say…well, those people shouldn’t have tried to live outside of their means.  That may be true in some circumstances; but, many of those in foreclosure had good paying jobs when they bought that home in good faith, they may have been in perfect health when they bought their home, the economy might have been healthier at the time of the home purchase.  Life is full of changes; foreclosure can happen to anyone!

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