Moments D718: Home Equity & Consumer Loans - SOLD

 This evening on my way home from work, I made my way over to the local pet store.  You see, with Heini away, I'm looking in on her kitty.  With such short notice of her departure, she doesn't have enough food for the poor guy, and so I set out to find some.

Not so interesting, but it does explain why I didn't head straight home to study for my coming final exam.  Wednesday is coming too fast!

The moment that stands out today is during this ride from Heini's apartment to the pet store.  This isn't my normal trek home, nor is it one where I am looking for a vet along the way.  (Kitty's food is a prescription diet.) So, of course, I saw something I've never seen before, on nearly my front doorstep.

It was a store front for Home Equity and Consumer Loans and in the front window was a sign that said it was "FOR SALE" and just under that, a big orange sticker on the window sharing that it was a POWER OF SALE.

Of course, I had a good giggle to myself. Of course a company that was set up for home equity and consumer loans was being sold under a power of sale. OF COURSE!

(For those of you who don't know what a power of sale is when a mortgage contract authorizes the lender to sell the property in the event of default (i.e when the mortgage payments are missed), in order to repay the mortgage debt.)

See the irony?  The company was lending out money to customers based on the equity in their home (i.e payments made towards the principal cost of the home) which essentially increasing the overall mortgage on the home so customers can buy more stuff.  That's one of the worst kind of loan to offer as risk management is a tough to estimate.  (After all, money spent on "stuff", typically is not used as an investment, it ends up being a loss and the customer ends up struggling to pay off debt.  Add in possible changes in the value of a home and it's rocky!)  So - are you surprised that the business is being sold as a power of sale?

Nope.  Me neither.  

And it made me giggle for a couple of reasons:

Moments seeing the irony in a financial business being sold under a power of sale.
Moments knowing that most people won't find this overly amusing.  

Moments D708: Curls

This morning I woke late and in a rush to get out to my RMT appointment.  In my mad dash, I noticed that I had the cutest little curl on my forehead.

It totally reminded me of pin curls.  If only I had more time to play with hairstyles.  I think I might enjoy messing around a bit.  Time is a luxury when you are working full time and doing school part time.  I do look forward to a day or three where I might be able to attempt a new "do" or two.

In the meantime, today's moment surprised me.  I enjoyed the surprise curl on my forehead as it made me giggle.

A good way to start the day.

Moments being surprised.

Moments being inspired to try a new hairdo.

Moment D307: Clowns

There are lots of people I know that are afraid of clowns. Interestingly, one of my best friends actually went to clown school. (Yes, really!) It is because of this that I know some of my friends’ deep-seated fear of clowns. These were the friends that refused to go to the clown show put on by all the clown students. (Can you imagine being in a small theatre filled with MANY acts of clowns if you were afraid of them?)

Well, this memory came flooding back to me as I saw a clown walking two children to school today. I had to do a double-take. I didn’t believe I was actually seeing clown walking on the side walk at 8am in the morning. But, there he was with his over-sized shoes, bright red/orange curly hair and red nose upon a white painted face.

Really though, I don’t know why I was so surprised. Clowns have to get to work too. Why not walk to work on a warmer winter morning?

A love strange moments that make me randomly giggle.

This was said moment today.

Moments D163: Words

Today seems to have a theme so it’s hard for me not to just go with the flow and talk about what seems to be popping up all day. (Pretty much from the moment I woke!)

Words.

Too many words. Not enough words. Not the right words. Funny words. Words in song. Today I have been surrounded by words.

I woke to a text message with too many words.

I started my day in the office with not enough words.

I struggled to find the right words while progressing through my day.

And then a friend sent me this video clip: WORMS. My first giggle of the day regarding words.

And then this crossed my path:

My second giggle of the day regarding words.

And throughout the day I’ve appreciated many words in song. So today, I celebrate words. The good, the bad, the ugly and the funny.

Moments with words.

Moments in silence.