Monthly Archives: September 2017

Florida homeowners can ask their mortgage company to delay payments but the full 3 months is due at the end of the 90 days

If you are in Florida and have a mortgage, you can do this, contact your lender. I just did it with my mortgage company and my next payment is due in 90 days.  Please note that all 3 months’ payments will be due in 90 days.  The lender is required by federal law to give you this if requested. Homeowners FINANCIAL HURRICANE TIP: As we now live in a Federally declared disaster area (State of Florida), if you have a mortgage, your mortgage holder is required by federal law to give you a 3 month forbearance (M&T called it a moratorium) on your mortgage payments at no cost and no credit implications, if requested. My next payment is due December 2017 and the amount due = the full 3 months’ amount.  If you want the 3 months to be added to the back end of the loan extending the term 3 months, you need to request a loan modification instead. After I wrote this, I cancelled mine and just made the payment. It was less hassle than trying to get the homeowner assistance guy to give me a straight yes or no answer. I told him it was my understanding a forbearance would extend my loan by 3 months and those 3 months would be due at the end of the loan, is that correct? He could only read a prepared statement to me.”

 

Legal Aid Hotline available for Hurricane Irma survivors in Florida

A legal aid hotline is now available for Hurricane Irma survivors in Florida who cannot pay for an attorney: 1-866-550-2929. The hotline operates through a partnership between The Florida Bar Young Lawyers Division, the American Bar Association (ABA) Young Lawyers Division, and the Federal Emergency Management Agency (FEMA). Both English and Spanish voicemail recordings give instructions for callers to leave a message requesting storm-related legal assistance, and to provide their name, telephone number, county of residence, and a description of their legal problems.  Assistance through this hotline is available to qualified Floridians affected by Hurricane Irma in all Florida counties. Those who qualify will be matched with Florida lawyers who have volunteered to provide free legal help such as:    Continue reading

Vibrational Resonance — Blessed? Cursed?

I’ve still got flowers while some of my neighbors after Hurricane Irma don’t even have bushes left

A Facebook friend posted asking if one person is blessed does that mean another is cursed, example if a disaster hits one house and leaves the one next door intact.
I don’t think one has to do with the other and I think what we experience is as a result of our vibrational resonance. Who knows what all goes into determining vibrational resonance? Seemingly mean and bitchy people can seem lucky while someone kind-hearted and generous can experience sorrows, so we know it has nothing to do with outward appearance.

I noticed I did not move 4 plastic chairs in the west woods. Here they are the morning after.

Certainly our daily pattern of thought, optimistic and pessimistic, helps determine vibrational resonance /frequency. I think of vibrational resonance as what station am I tuned to on the radio dial? And it changes moment by moment and thought by thought and there are things like past momentum (and perhaps karma) that factor into it as well.  Vibrational resonance plays a part in determining who’s in harm’s way and who escapes by the seat of their pants but that’s not to say that any luck or misfortune is the “fault” of the individual. It could be the default setting of someone who hasn’t yet discovered they can train their mind toward more hopeful expectation and thus change their future experience.  I don’t know if it has to do with anything but I always expect and believe there will be a positive outcome to situations and so far that has been my experience. I was just thinking of that this evening as I walked through the yard and noticed that so many of my Turk’s Cap bushes still have flowers. Some of my neighbors after Hurricane Irma don’t even have bushes.

SUNDAY 8:00AM IRMA update, NHC Advisory #45A

IRMA per NHC 8:00AM Advicosry 45A

8:00AM IRMA update, NHC Advisory #45A. Irma slowed to a CAT 4 as she crossed Cuba.  Changes from last advisory in red.

The center of Irma is about to make landfall in the lower Florida Keys. Maximum sustained winds of 130 moving NNW at 8mph (down from 9mph.)  The pressure is 929 (up from 928 — up is good!) The lower the pressure, the more powerful, the more potential for tossing stuff around.    Continue reading

SUNDAY 5:00AM IRMA update, NHC Advisory #45

NHC 5pm Advisory 43 9-9-17

5:00AM IRMA update, NHC Advisory #45. Irma slowed to a CAT 4 as she passed Cuba.  Changes from last advisory in red.
Maximum sustained winds back to 130 (up from 115) at 11:00PM moving NW at 8mph (down from 9mph.)  The pressure is 928 (down from 933.) The lower the pressure, the more powerful, the more potential for tossing stuff around.    Continue reading

This storm will pass, stay strong

Make no mistake, this is a very large and dangerous storm but we’re stronger than we think we are, we may be more prepared than we think we are and we’re doing a lot better than we think we are. I make these updates because I like to know the location and storm specs without hearing inflammatory commentary. If I watch it, the sound is off. When I can see it for myself without listening to someone else’s opinion, it gives me the time and space to contemplate what it might mean for me. When I halt everyone else’s comments, it allows my mind to relax enough so I can hear my inner guidance. When I can release resistance and follow inner guidance, I always end up in the right place at the right time.

IRMA 5:00PM update, NHC Advisory #43

NHC 5pm Advisory 43 9-9-17

WFTV reports Irma is predicted to hit the Central Florida region as a Category 2 hurricane, with winds 96-110 mph.

5:00PM IRMA update, NHC Advisory #43. Irma slowed to a CAT 4 as she passed Cuba.  Changes from last advisory in red.
Maximum sustained winds 115, down from 130 at 2:00pm moving WNW at 9mph, down from 12 mph.
The pressure is 933, down from 937. The lower the pressure, the more powerful, the more potential for tossing stuff around. Basically all of Florida is going to get hurricane force (74 mph+) winds as it passes your area. Florida homes are built for this.    Continue reading

IRMA 8:00AM update, NHC Advisory #41-A

8:00AM IRMA update, NHC Advisory #41A. Irma slowed to a CAT 4 as she passed Cuba. Maximum sustained winds 130, down from 155 moving WNW 12 mph, pressure is 937, up from 930. Rising is good. The lower the pressure, the more powerful, the more potential for tossing stuff around. Basically all of Florida is going to get hurricane force (74 mph+) winds as it passes your area. But Florida homes are built for this. NHC reports the center of Irma will move near Cuba today, near the Florida Keys Sunday morning, then near the SW coast of Florida Sunday afternoon. Hurricane (74mph+) and tropical storm conditions (39mph+) are possible in central and north Florida by Sunday.    Continue reading

Irma should pass us Sunday

My updates are focused on Palm Bay/Melbourne. Click the links to read the full advisory yourself to see what applies to the area you’re in. The National Hurricane Center 8:00pm Advisory 39A shows Irma near the Florida Keys Sunday morning. Hurricane force winds (above 74mph) extend outward up to 70 miles from the center. Tropical storm force winds (below 74mph) extend outward up to 185 miles. We’re now under hurricane watch as well as storm surge watch. A Storm Surge Warning means there is a danger of life threatening inundation, from rising water moving inland from the coastline, during the next 36 hours in the indicated locations. For a depiction of areas at risk, please see the National Weather Service Storm Surge Watch/Warning Graphic, available at http://hurricanes.gov.  A Storm Surge Watch means there is a possibility of life-threatening inundation in the indicated locations during the next 48 hours.   Continue reading

Irma may hit near Miami Sunday, near Atlanta Monday

NHC Advisory 11:00pm 9-7-17

It is looking more and more as though Irma will be a repeat of Hurricane Matthew last year, which was very doable. The latest news has Irma dropping speed, down to 165 from 185, and landing near Miami sometime Sunday. NHC says about 8pm, James Spann says just after midnight Saturday. We’ll know more in 24 hours. It looks now like she’ll go up the center of the state to land as a Cat 2 near Atlanta.     Continue reading