Paid mortgage twice

[litch]

So I got my mail the other day and noticed a bunch of transfers from savings to cover checking overdrafts. That shouldn;t have happened so I went in and looked at my online statement:
09/05/2005 Withdrawal @ On Demand Internet Transaction Trace #4814160167 Transfer "DTM" 645.80 to MC Loan 1 -$645.80 $1,229.29
09/05/2005 Withdrawal @ On Demand Internet Transaction Trace #4814270154 Transfer "DTM" 645.80 to MC Loan 1 -$645.80 $583.49

So I seem to have paid my mortgage twice, which then caused a cascade of overdrafts, and then worst of all bounced my check to nancy for the loan she gave me to pay off my share of the credit cards and gave me a $25 NSF fee.

I called UFCU and the two entries are 15 minutes apart so it doesn't look like a double tap or something. I only remember making one transfer but who knows. They withdrew the NSF charge and we'll call it even. I think I might need to start paying my mortgage out of my paytrust account.

Ever without the double deposit I still would have had to do a overdraft for nancy's check but it wouldn't have bounced.

I haven't been saving the money I need to in order to pay my property taxes at the end of the year and it's worrying me. During the divocre I was expecting a raise and to be out of debt by now but that raise keeps getting pushed back. It was supposed to happen in july, then they said august, then it was the end of august, and now, well Maybe the end of september.

I got the loan to pay off alan, so now I have lots of cash in my account and 200$/month more in bills to pay off.

Comments

[molasses.livejournal.com]

this might be of no use and i'm not a mortgage holder but up here friends have their property taxes kind of built into their mortgage payments, forced savings a bit, to avoid the pain at tax time.

can you do that?

[litch.livejournal.com]

yeah I could have, but I did that for the 7 years we owned the house before this and I was very unhappy with it. I live in a complicated jurisdiction and I pay three different tax bills, one of which is collected by a jurisdiction I don't live in. So they were forever screwing up my tax payments and i would have to take time out of my life to deal with it, they fight with them to try to get the bank to pay penalty and intrest on the taxes. And then have to do it all over again year after next.

This way at least I get to keep the intrest I make off the money I saved. I owe myself about 2K plus the money that covered the checks. But the fact it wasn't sitting in an evil escrow account means I only got billed for 5 overdrafts and one nsf instead of 6 nsfs

[molasses.livejournal.com]

whew!

Investigate, asap, w/attorney TAX SHELTERS & thanks for the "lesson" & for getting out of my way.

[newblksusan.livejournal.com]

Litch: Think of the times you've ignored my advice only to say later: "I should've listened 2 Susan."
So: See a tax attorney asap and establish tax shelters that will combat the property tax issues.
Also: I'm sorry 2 have "shouted" @ you, but u must think of what u did to provoke such a reaction and be honest to admit that you've done even worse yourself. Everyone on this planet is flawed and you're no exception nor am I. And every fire sign person I've ever met is no one to play with when angry. I'm surprised you did not think that rule would, somehow, not apply to me. But remember the primary purpose of fire: to change and transform. I hope we can both change to something better and more positive than what we both are now.
In conclusion: thanks for representing the "lesson" I had to learn on how not to repeat the same mistakes by NOT committing to any relationship that would only keep me from pursuing my dreams. It is no coincidence that the universe handed to me two men of the same first name and of the same birthdays with identical issues. It's no accident at all. I know that the blessings and the "second chance" I've been avoided by the Divine represents only my ability to finally make the right choices in my life. Per my voudou elders, that was "my test" and I have "passed w/flying colors." Now the path is clear for me to become Dr. Susan Howard
So I must "Thank You" for moving out of my way. Now I must go about the business of moving out of the way of myself as well. I hope you can do the same (move out of the way of yourself. I hope you can figure out what that truly means. It took me far too many years to figure it out for myself. I wish upon you a shortcut to this epiphany. ..)
All "signs" indicate I am moving in the right direction. I do hope my place in your life has helped you to reevaluate any number of things starting with relationships you need, want, crave but are somehow chaotic and without the order that all relationships need in order to thrive. Somehow, order has been restored to my life out of the chaos of years of being lost to myself. My greatest wish 4 u is 4 order, clarity of mind, spirit and body will somehow be restored to you and, again, you can always count on me for support in that respect.
Speaking of books, writing. .. yesterday I received an email from Dr. M.J. Mahoney, asking me to submit an essay on "Literary Spaces" for the SCMLA Journal, which is published by the prestigious Johns Hopkins University Press. I email her & say I really don't have anything to write lest it's about Dr. Zora Neale Hurston, author, voudou initiate, the woman whose life has somehow consumed me since I started reading her "Collected Letters" so as to earn that "A" in Tony Hoagland's class.
sometimes I refer to Zora's letters whenever I feel "lost," esp. as it relates to my pursuit of a Ph.D. In her letters she writes of her struggles as the first black to earn a doctorate in anthropology at Columbia University when most blacks in this country couldn't even sit in the same classroom with white folks. M.J. says she wants the essay although she can't guarantee publication,but having an editor ask me to write it is a major step in the right direction.
My copy of Zora's collected letters belongs to the UH Library. Last night I go to Half Price Books and am told immediately that Claude had saved a book for me. I'm baffled because I hadn't ordered anything.
The book was handed to me and they will tell you that I nearly cried when I saw it was:
"Zora Neale Hurston: A Life in Letters". I now own the book that I never wanted to return to the library. It's First Edition and brand new. It retails for more than $50 I purchased it for a mere $6.08.
In voudou we place a high value on "signs" and "symbols". I have been blessed with one of the greatest signs of all that it IS time for me to move up & on with my life and claim my destiny as a writer. Everything in my life is just as it should be for all my dreams to come true.
I do hope that, some day soon, the same will happen for you as well, Litch. So mote it be and blessed be to you and yours.

Please get "The Book of Inside Information: Money, Health, Success, Marriage, Education, Taxes, etc

[newblksusan.livejournal.com]

The best book I've ever found while working "in the stacks" as a librarian (yes, working at any # of libraries is a gig I've had off and on since I was a teen):
"The Book of Inside Information: Money, Health, Success, Marriage, Education, Taxes, etc.". You name it, this book covers the subject. Even the subject of psychology, which has a section detailing how a person you truly care about can, indeed, treat you like a piece of shit if only so you can reject them because the target of your caring is convinced that he or she is "unlovable."
Interesting.
So damn near everything or anything I may know about finances or taxes (save for not being an educator so I can make more money, really. . .) is either from my brother, the successful investment banker & financial planner or this particular book. Please get it, Litch. Shoot, there's even a section on how to deal with dogs (especially an angry dog, which is the only section I cared about in the "Pets" section). The book is "written" by a multitude of authors and is produced, officially, "By the Editors and Experts of Bottom Line."
I truly believe there is no better book on this planet and that every logical or illogical person should own a copy.
Final point on books and on something you said "shocked" you about me --- that I had never, ever sent out any of my creative work to be considered for publication even when it went against the advice of professors/writers like Mary Gaitskill. I am, officially, over that "hump" given this offer from Dr. Mahoney to submit a piece for the SCMLA Journal. Even if it's rejected, it's cool as I'm confident a piece on Zora Neale Hurston someone will interest another editor. I feel so good & confident and must credit, among other things, the Full Moon---the most amazing and beautiful things always happen to be as a result of the FM. I must have done something to somebody somewhere so as 2 earn some good karma vibes(?!?!?).
And even though I left him a letter that he says he will now treasure, I HAD 2 have a face 2 face w/Claude today at Half-Price Books. Gave him a big hug & asked, "Dude: like what made u save this book of Zora's Collected Letters for ME?"
This is what I get 4 "running my mouth" as he recalled my telling him of the paper I had written on her 4 poet Tony Hoagland's class. And it just so happened he was saddled w/the task of unpacking the latest shipment of brand new books when he came across it and DECIDED: "This book is FOR Susan Howard."
I told Claude he'll never, ever know just how special that was and how so totally "ON TIME" his instincts were, esp. when I told him of how just HOURS before I had received that email from Dr. Mahoney and had COMMITTED (and I do so fear commitment --- toward all things, it sometimes seems) to writing a piece on Zora for the SCMLA Journal. He was amazed per "What a coincidence!". But I told him, "Dude: nothing is a coincidence." Some of the many pagans who work at Half-Price Books nodded in agreement when they heard me say that.
Now I've got 2 get back 2 work. A friend and former coworker from my Atlanta Journal days, Valerie Boyd, wrote a recent bio on Zora and i found it awfully arrogant when, on her dedication page, Valerie wrote, "To Zora Neale Hurston, for choosing me." Now I understand precisely what Valerie in writing that and I must give her a call now as a result (will be quoting from her and her book in my piece on Zora). I, too, am one of Zora's "daughters" (as Alice Walker likes to say)and maybe I'm that by way of voudou, by way of the Ph.D. or maybe just by naming the main character in "The Black Woman Problem in Alaska" after her. OK: forgive me as it's a black woman's thang & maybe you can't understand it. . .
But Perhaps u can understand this, Litch:
"I have been in Sorrow's kitchen and licked out all the pots.
Then I have stood on the peaky mountain wrapped in rainbows,
with a harp and a sword in my hands." --- Zora Neale Hurston.