Tag Archives: Single
Why Didn’t I Move To Hawaii
Ever dream of escaping it all and owning a dream home on a remote island paradise? Didn’t think you could afford it? Think again. There is now a U.S. Department of Agriculture (USDA) home loan program here to help you. Created to assist those with low and moderate incomes in rural areas obtain safe and sanitary dwellings, the program has expanded to cover “mortgages for millionaires” and homes in suburban and urban areas, as well as seaside resort communities. This year more than 100 individuals or families received loan guarantees for $500,000 or more from the U.S. Department of Agriculture to purchase a residence in Hawaii. If these new homeowners later cannot afford their new homes, it’s no problem; the federal government will protect the banks from losses by repaying 90 percent of the loans.
These and thousands of other loan guarantees were issued this year by the USDA Rural Housing Service (RHS) Section 502 loan programs. The Section 502 guarantee program and Section 502 direct loan program provide loans to low and moderate income individuals for the purchase of modest housing in a rural area. The programs had authority to guarantee $24 billion in privately sourced loans and make $900 million in new direct loans for FY2013. There is no down payment requirement for the loans, no maximum purchase price, and—according to USDA—the government is required to serve all borrowers who meet eligibility requirements and seek to purchase homes in eligible areas. And despite the name of the program, it serves more than just rural areas. An independent analysis found that, today, the program covers nearly the entire U.S. land mass. That has helped turn the program into one of the sweetest deals available.
The program issued nearly 166,000 loan guarantees in FY 2013 and more than 100 of those were for amounts greater than, or equal to $500,000. Nearly all of these half-a-million dollar home loans were in Hawaii. Many of the most scenic parts of Hawaii, including Maui and Kauai, are eligible areas for USDA rural loan assistance. Maui has been selected as the top island in the world for 20 consecutive years in the annual Condé Nast Traveler Readers’ Choice Awards. Providing a combination of tropical ambience and American comforts, this island paradise offers an abundance of activities offered, from whale-watching to nature hikes to watersports with unending natural beauty. The entire island of Kauai, described as “a little slice of heaven, is considered rural by USDA.
Since property values in Hawaii exceed the national average, buying a home there may seem to be out of reach for most, but everyone from risky borrowers to the wealthy are benefitting from this USDA loan program. The USDA rural housing program’s income guidelines are generous, notes a senior loan officer in Hawaii. Likewise for those with more modest incomes, the Federal Government will reimburse up to 90 percent of the original loan amount to the lender if a borrower defaults on a loan. Thousands of borrowers do foreclose every year, costing the federal government hundreds of millions of dollars, and the number and cost have skyrocketed over the past five years. In 2008, the program had 3,369 foreclosures costing in $103 million in loss claims paid. By 2011, there were 18,808 foreclosures costing $295 million. Last year, the program paid $496 million in loss claims, according to the USDA Office of Inspector General. If trends continue, this loss will have exceeded half-billion dollars in 2013.
The department acknowledges default rates vary throughout the year and during 2012, the delinquency rate for loans 30 or more days past due ranged from 7.65 percent to 10.44 percent. By comparison, the delinquency rate in a typical housing market is around 3 percent. While designed to operate off of loan fees, the program’s delinquency rates make a taxpayer bailout more likely according to experts who predict it’s likely the program isn’t covering its costs and will probably require taxpayer funding. While USDA was putting taxpayers on the hook for generous and increasingly risky loan guarantees, housing assistance to low-income individuals across the country, including in Hawaii, was being cut. In March, USDA threatened the elimination of rental assistance for more than 10,000 very low income rural residents, generally elderly, disabled, and single female households. In July the Department notified hundreds of borrowers that their contracts would be cut off before the end of FY 2013, 90 including a housing unit for disabled elderly in Kailua-Kona, Hawaii.
And while USDA is quick to threaten assistance for the poor, elderly and disabled, the Inspector General found the Rural Development program did not identify and review loss claims from loans with questionable eligibility prior to payment, resulting in millions of dollars in improper payments. Before USDA kicks out low income elderly and disabled from rural housing, the department should first discontinue its risky loan practices that are costing nearly half-a-billion dollars a year in loss claims. This really has me wondering why I didn’t move to Hawaii.
Information found for this “Your Tax Dollars @ Work” post was done by using a Google search. Information compiled from multiple public websites & media outlets.
Being The Perfect Stranger
At age 24 Ariel has seen quite a bit. She has seen the great things in life as well as the outright bullshit that life has to offer on occasion. She finds herself lucky now because she has retired, never needing to work again unless she does it out of boredom. If you are asking yourself how she can be retired at the age of 24 that’s good, you caught it, but you will have to wait a while for the answers to your questions. I remember my many talks with Ariel as I read the notes I wrote in my little black notebook, I remember it like it was yesterday, her story impacted the way I think about certain things, because eventhough I was right, I was wrong as well. As much as I hate being wrong I’m well aware that it happens, doesn’t mean I have to enjoy it though. I wonder how many young women go through the phases of being able to use their bodies as a tool of sorts, a tool which allows them to fix things and open doors that may never have been opened without the use of their body. Ariel admits that she isn’t proud of everything she has done in her past but doesn’t regret it either because it has all gotten her where she is today, out of the rat-race, out of the concerns of getting a paycheck, and out of ever having to be someone’s perfect stranger.
It all started on Ariel’s first real date with a boy. She was 15 and he was close to 19. He promised her the world on a platter if she would have sex with him. She had never had sex before so she didn’t know what to expect. She didn’t even know if she wanted to have sex, she had heard stories of a girl’s first time before and it never sounded exactly pleasant. After some thought of what this boy had to offer, his offer of the world on a platter made her think that he would treat her as if she was a princess. Which, as always, when they hung out together he was very kind to her and treated her very well, so many of her concerns where left by the wayside. So, she agreed, she let him know and he said he would get everything set up. Later in the day he informed her that he had got a really cool hotel room for them. She spent many hours getting ready, she wanted to look just right, she wanted her first time to be different, she wanted her first time to actually mean something and be special for both of them. He stopped by her house and picked her up. He wanted to go party a bit first since he had promised some friends that he would drop by. They spent about a half hour there where she was ditched to hang out with the rest of the “girlfriends”, none of whom she even knew. Before long they finally left and drove to the hotel. It was the nicest hotel in town, it had better be because his family owns it. She tried not to think how many girls he has brought back to the hotel, she just imagined this would be the first time for both of them, she smiled at him as they walked straight to the room, and finally they had arrived.
As soon as they entered the room she noticed it was dark except for a single red light. He told her to get up on the bed and strip for him, strip for him like he was paying her to strip, it was time to earn the ride of a lifetime as he put it. She stepped onto the bed and slowly began to strip to a song she was listening to in her head. He clapped, whistled, and began throwing money onto the bed at her feet. When she was finally naked she just moved slowly, waiting for the next instructions, but then everything went crazy. A rag was jammed into her mouth that tasted like gasoline, a bag was slipped over her head while her hands were pulled behind her back, she felt the zip-ties dig into her wrists as well as around her neck. She knew she was dead, she knew she was about to be raped, she knew it was going to hurt, she knew she couldn’t scream, and she knew that there was nobody to help her. From behind she was pushed down flat on her stomach to the bed then she felt hands grab her ankles and flip her over. This is when she realized that there was more than one person in the room but how many was unknown, she didn’t want to know to be honest. One person had ahold of her right leg at the ankle and the knee, and another person on the other side doing the same, they had pulled her legs straight out as if she was doing the splits mid-air. Her legs were shaking from the muscle stress and the cramps began to set in. She just wanted it to be over, she tried to scream but could only gag.
Out of the blue she felt a shocking jab into her vagina, then it began to go deeper, then deeper, tearing the skin each time it thrust inside her. She couldn’t figure out what was happening, the object was cold and very hard. Then she got another surprise, she felt something large being rammed into her ass as well, in her head she was screaming but couldn’t hear anything, in fact she hasn’t heard anything from anyone in the room, she just felt them shoving objects inside her deeper than she thought possible. After what seemed to be many hours it stopped as fast as it started. She remembers a tremendous pain in her vagina, one of them kicked her so hard in the vagina that she blacked out cold. She woke up completely dressed sitting in a what appeared to be a little diner, a strange place she wasn’t familiar with, it smelled like old grease and burnt food. She flagged down a waitress who explained that she was given $100 to keep an eye on her and help her when she woke up because she had taken some drugs and couldn’t handle it. She remembers thinking if she had taken drugs or was she just drugged. The waitress informed her what day it was and what time it was, she had lost 4 days and 17 hours since the moment she entered that hotel room. She was very nauseous and in a considerable amount of pain, she remembers smelling like dog piss. She got up and went into the rest room where she saw her face for the first time, her make up was a wreck, her hair was everywhere, and she had a bruise going all around her neck.
She borrowed money for the pay phone to call her mom. She wouldn’t pick up probably because she didn’t know the number, she didn’t bother leaving a voicemail simply because her mom never learned how to listen to them. So here she was, the waitress explained she was in La Marque Texas which is a fucking long way from Springbrook Wisconsin. The waitress told her it was about 1500 miles between the two places. She just wanted to know why she was here and why so many days passed by. She needed to know what the hell happened. She was pretty sure she needed to go to the hospital and the police department. The waitress gave her a ride to the hospital where Ariel was interagated as is she had committed some kind of crime. The hospital staff contacted the local police department who paid her a visit in the hospital. She was arrested for prostitution after a short interview. After drug tests were ran she was found to be positive for heroin and considered still under the influence. She was placed into a holding cell with other adults, a judgement call she thinks the officers made because she looks older than she is and had no identification at all to prove who she was. Of course, never being to jail before her fingerprints weren’t in the system, so they held her to see the judge in 2 days. The judge considered everything Ariel had to say to be absolute bullshit. The judge, however, did get ahold of Ariel’s mother who sent all the proper documentation for review. Ariel was sentenced to 26 months in juvenile detention. She was released after 20 months since the entire time she was a model student and inmate.
On the day of her release she called her mom to figure out what to do from here. Her mom, who was told stories of Ariel’s behavior with the boys and how she ran away to Texas to get away from her bitch of a mom. None of it was true, but all of it was believed. At that point she just gave up, everything she was looking forward to was just ripped away from her because her mom basically told her to go to hell, don’t come back because this isn’t your home any more, she was told that her life no longer existed in that family. After getting a space to sleep at the women’s center in Houston and a hot meal, she said she spent allot of time thinking about where she was going to go, where was she going to live, how was she going to live. The first night in the women’s shelter she locked herself in a stall in the rest room staring at a rusty razor blade she found in the janitor’s closet. After some time considering her options she just dropped the razor, got her jacket and shoes, and walked out of the shelter, never looking back. She never wanted to go back, that was not who she was, eventhough she no longer knew who she was.
After a few weeks living on the street, sleeping and eating here and there, getting by with what she had, she found herself at a new all time low. She seduced a man coming out of a bar who had been drinking, she convinced him to give her a ride and some money for the blow job of a lifetime. Blowjob of a lifetime, how about this was going to be the first blowjob she has ever given, it would be the first time she would ever have a man’s dick in her mouth. When it came time for the deed she unzipped his pants and this monster stared back at her. She made the decision right then and right there that shit was not about to happen. So, she began kissing it while she slid her hand into her pocket where she quietly removed a box-cutter. In a flash of adrenalin she had the knife to his package while she instructed him to give her all of his cash. Playfully she told him to go ahead and report this to the police and be sure to not leave out she was a minor. She got out of the car and disappeared into the woods at the edge of the park. When she figured nobody was coming and she was safe she wanted to see how much money she just robbed the guy for, not bad she thought, $3800. He must have had either big hooker plans or big strip club plans. Well, not now, now he is on his way home, to his wife most likely. After the adrenalin because to level off she decided she was going to use the money to clean up, get some clothes, get a job, and get a place to live. The following day she was shopping, with the intentions of making a purchase, for some clothes. The women in the store were less than helpful so she fell on to old habits and helped herself to a few picks of her own. She had done it a hundred times, why would this be different. She did get her hair done, she did buy some make up, and she did buy some new shoes. She says it felt good to pay cash for things, even if it was some jack-ass’s cash.
She bounced around jobs here and there, working in bars mostly because she found the sluttier she dressed the bigger the tips were. Eventually she found herself applying to waitress at Club X where she ended up getting full time employment, healthcare benefits, and so forth. She was very happy she just turned 18 because that would have been a deal breaker. She made a decent amount of money between her hourly pay and tips the first year, she recalls it was just shy of $50K. She says she remembered the strippers raking in 5-7 times that amount of money and really wanted a piece of that action. She arranged everything with the recruiter and the owner and she began stripping part time and waitressing part time. Eventually she became a full time stripper making serious cash. for the next 4 years she kept her life simple, driving a beater car, living in a one room apartment with no extras, and cooking at home as much as possible. Shortly before she turned 24 she remembers looking at her bank statement, something she usually avoided and didn’t pay attention to. She just made the cash deposits twice a week and went on about her day. But, on that day, she saw something that made her think pretty hard about what she was doing for a living and wanted to make a few changes. I was nosey and I did ask her what the number was, she replied $927K and some change. Yes, that is well over $300K a year for those of y’all doing the math in your heads. She decided that day that it was time to retire from being a stripper, time to hang-up her rhinestone garter belts, and time to find someplace new to live, somewhere with white beaches like in the magazines, with crystal blue water, and nothing or nobody for miles around. She bought herself a one-way ticket to a place she failed to disclose to me, she finished talking to me, finished her drink, gave me a kiss on the cheek, and hit that stage for the final time at Club X. I didn’t even see her slip out later. I hope she followed her dreams and found what she was looking for, she seemed like a good kid.