This is topic Show of hands...who lost their house today? in forum Letterhead/Pinstriper Talk at The Letterville BullBoard.


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Posted by John Byrd (Member # 825) on :
 
Sorry,don't mean to offend anyone going through the nightmare too, gallows humor is about all I've got left.
This too shall pass.
 

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Posted by Jon Jantz (Member # 6137) on :
 
I'm really sorry, John.

There's not much a person can say that will make the dark times any brighter at these moments, but hopefully your path will take an upturn very soon... my parents went through a similar deal years and years ago that ended up changing my father's occupation and location... now they look back and say that it was the best thing that ever happened to them, because after those years of struggling, his new job (at a business he eventually purchased) has provided him with a very good living.

Just don't get discouraged... keep it in your mind that somehow this is gonna all work out for the good, even if it seems like a crisis right now.....

[ August 05, 2009, 12:19 PM: Message edited by: Jon Jantz ]
 

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Posted by Jeff Ogden (Member # 3184) on :
 
John..I lost my home (a trailer) to a fire in the late 80's, and lost all my belongings too. It's similar to losing your home to a bank...but imagine losing everything! At least you have your belongings, and each other.

I hope you can get settled soon so you can look forward, and not back to the heartbreak involved. Keep the faith...it WILL get better.
 

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Posted by Judy Pate (Member # 237) on :
 
Looks like we are right behind you,John,it will happen in a few weeks. My business has been our only income for the past 5 years. Roger hasn't been able to work for health reasons. Since the majority of my business is truck lettering,my business has been down 75% since November.
We have been trying to get a modification loan thru our mortgage company. They have been dragging things out and started foreclosure proceedings while we were still under review for the modification loan. We are going to make one final appeal.
Timing is what gets me. Roger has been turned down for Social Security Disability two times and we were waiting for a hearing date. Now we have a hearing date on August 18th and it appears we will lose the house August 13th unless our mortgage company decides to work with us.
My business has slowly increased every month this year,thank the Lord. I know these are just things we are losing and they can be replaced, but there are a lot of emotions to deal with. I am being postive and hoping to be able to see this as a learning expierence that we can look back on as a good thing.
Judy

[ August 05, 2009, 12:07 AM: Message edited by: Judy Pate ]
 

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Posted by Doug Allan (Member # 2247) on :
 
I share my sympathy & hope to you John, and Judy, that sounds so unsettling to be teetering on the edge... I do pray you catch a few breaks.

I can't believe how close I am to a disaster myself. I feel like I am driving a brand new luxury SUV, loaded with a life of success & good fortune, on a globe trotting odyssey spanning the decade... but I came down a dark detour this year & have to cross this raging creek...

and the other side promises to be a future of globe trotting decades of luxury & good fortune...

...unless I get swept away crossing this one damn flash flood sucking the livelihood out of so many right now.

The infrastructure is there, to support a tremendous recovery when the time is right... & I'm fortunate to have had lines of credit in place fund my struggles thus far...

I pray we all have enough time, & pray for a silver lining for you John!
 

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Posted by Janette Balogh (Member # 192) on :
 
I have been relying on my line of credit abit too heavily these past 2 years. If I didn't have such large payments to make on things, that in my estimation, are inflated costs ... (like insurances for one, which imho is legalized extortion) ... I wouldn't be so pressed. I live very modestly, and don't squander money. Never have.

It's funny how the "in" thing right now is to cut back, not waste, live modestly ... blah blah blah. For so many of us, that's just been life as usual ... and without any grandious feelings of deprivation either.

It's just a shame that there are many hard working people that have been doing everything right all their lives, and are now having to lose what they've worked for.

Judy, your story about the timing has me unnerved. What's wrong with this world? Do people not talk to one another and try to work with each other to help in a bad times anymore? My faith in mankind is truly tested these days ... although I am not willing to have my faith taken by anything / anybody.

My heart goes out to you, and I realize, there but for the grace of god ...

~nettie
 

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Posted by Debb Bates (Member # 4940) on :
 
I thought I was having a bad day when a person I dont even know or met, gave me heck on the phone for not answering a quote that he gave to some other business....

I feel for each and every one of you and my heart goes out to you. So wish that I could help. My ears are turned on all the time, and computer for that matter. Email me if you want to vent ...sometimes even that can subside the pain.
Love and prayers,
Debb Bates
 

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Posted by Raymond Chapman (Member # 361) on :
 
"I complained because I had no shoes until I met a man who had no feet"

Just about the time I am really feeling sorry for myself I hear the stories of you here that are losing homes and businesses and suddenly realize how fortunate I am.

My prayers are with you. My heart just sinks every time I hear these stories.

Fortunately, our house is paid for but the taxes and insurance now are higher than the payments when we first bought it 32 years ago.

The studio is a touch-and-go proposition from day to day. Right now the income is covering only 50% of the expenses.

Like Doug said, if we can get across these rapids and not be swept away there may be better times down stream.
 

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Posted by Karen M Stanley (Member # 7178) on :
 
I really feel for you John and Judy - I just read this quote this morning: "There would be no victories without battles." So fight on - and may the end of your story be triumphant!!
 

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Posted by William DeBekker (Member # 3848) on :
 
I feel your pain.. I will be turning over the Keys to the shop this morning to the Bank and spent all last night in the Hospital with my appendix.

Maybe I'll get to miss the Bank today as I have to see a Surgeon later today.
 

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Posted by Glenn Taylor (Member # 162) on :
 
There is nothing I can offer that will ease your pain.

All I can say is to not lose heart. What is going to happen is going to happen. Just do the best you can do and don't quit fighting. Its all any of us can do.
 

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Posted by Dan Beach (Member # 9850) on :
 
Ouch. Sorry to hear it.

This economy is taking out the good along with the hacks. Its a real shame you can't be successful just by putting out a good product.
 

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Posted by old paint (Member # 549) on :
 
1980 june,6th, my house.bar & personal possessions of mine from childhood and my parents stuff from the time they got together in 1942...............
all went up in A FIRE.
i had suffered loss with 2 divorces, the death of both my dad in 1969 and then my mom in 1978, and i just SOLD THE THE BAR AND HOUSE AND PROPERTY.....6 days before the fire!!!!!!!!!!!!!!!!!!!!!!
and this was something i never want to have happen again.
you have no idea of how the "simple everyday things" mean to you ..........WHEN YOU DONT HAVE THEM.
when the last time you bought a PIN? PAIR OF SISSORS, COFFEE CUP, PAIR OF SOCKS, cause you had NONE?
its really a rude awakening of how much we take for granted........untill its not there.
we moved here in 1998 and i almost set this place on fire!!!!!!!!
and since i developed bladder cancer in 2004, if it wasnt for the VETERANS HOSPTIAL SYSTEM, i would be in the poor house or debtors prison.
i have had 10 outpaient surgeries since then, numerous MRI, CT and other tests run, and the last episode may 29th, with a heart cath, having a mild heart attack on the table, spending a day in intensive care, 2 day in a heart monitor room, havin a 3-D CT SCAN, and released with proper meds.........
and to walk out without worry of how to pay for the last 5 days, IS SUCH A RELIFE.
as for the economy here, its tuff. hennie has a good job with a company that does work nationwide so they are not affected by local lack of work.
i had a good couple months this spring due to my involvement in the LITTLE LEAGUE ball park across the road from my house. when all the other work was not coming, the SIGNS FOR THE LITTLE LEAGUE
provided me with more work then ive had since last fall.
with the "specialty painting" its been the most income generating then the vinyl is.
all in all i am very thankful for what i have, and where i am in this slumped economy.
and i have to say it again, i am so fortunate
to have the BEST HEALTH CARE in the nation!!!!
 

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Posted by old paint (Member # 549) on :
 
double post.

[ August 05, 2009, 04:13 PM: Message edited by: old paint ]
 

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Posted by Bill Diaz (Member # 2549) on :
 
Sorry to hear all this, John and everybody else. What we didn't lose in the market we have gone thru a bunch of our savings and have also relied heavily on the line of credit.

We had been lettering and striping around 30 semis a month and in November we went to 0 and remained at 0 until March and have been getting a repair every now and then since. But it seems like the last few weeks things have gotten better. I see we've got a few booked.

That doesn't get back your house and shop and for that I'm very sorry. I simply wanted you to know that this huge downturn has affected everyone and please don't get down on yourself for things that are out of your control. I hope the best for you and hopefully sooner rather that later.
 

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Posted by Duncan Wilkie (Member # 132) on :
 
This news is heartbreaking. We've been hearing of people in dire straits, but to have our friends and colleges in that boat is troubling to say the least. I won't be complaining about the cold and snow this winter. I'll just be thankful I've got work.
All the best, stay strong, there's something good ahead.
 

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Posted by Neil D. Butler (Member # 661) on :
 
So very sorry to have to read this...Like others said, good things don't always happen to good people, but just because it may be the end to this party, I'm sure another party is just around the corner.. keep the faith... I know that is hard to do sometimes, I myself have difficulty believing that on occasion, especially with all the cut throat jerks that are out there, I don't know how some shops stay open, My shop is so very busy and it's still hard to make any real money, even with our great economy, Newfoundlanders hate to see anyone getting ahead.. they really do, we are our own worst enemies here... Good Luck to all affected.
 

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Posted by Donna in BC (Member # 130) on :
 
Wow. You hear this stuff on the news but not often do we hear it about those we care about. I'm so sorry John and Judy, and for others that are also struggling.

The only ONLY thing that is keeping me from going under is the simple fact that my overhead is low. And my work is through a manufacturer that uses me many times a month. Otherwise I wouldn't be as lucky.

For some, I know it can't be helped, but for many, I'm sure it's a heads up on how living on financed things is simply no fun. And regular retail for me? A thing of the past indeed.

See ya at the thrift stores!
 

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Posted by PatRaap (Member # 4290) on :
 
We are down 35% and just hanging in there. 5 years ago, we closed our Excavating business of 28 years because of lack of work, bills piling up...etc.. Our sign business wasn't quite up and running enough to support us, but that is all we had. I was diagnosed with cancer within a month of putting our equipment up for sale and getting ready to cancel our health insurance. Doesn't make a difference...but it did teach us one thing... That your "things" are only that....your health, your family, friends and faith you have forever and that is what matters. Things can be replaced.
I don't mean to make light of your situation...I cannot imagine the emotional drain it has on you, which only leads to more health issues.
I can only offer A LOT of prayer, and hope that eventually something will change with this economy! We just have to know that we are all in the same boat...and with a little therapy now and then on this board...it just might help us all.
 

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Posted by John Byrd (Member # 825) on :
 
That is the lesson in all of this Pat, that it is just stuff. I didn't intend this thread to be a veiled attempt to get sympathy. I wanted to draw out anyone that needed to say it out loud and find that there are lost of others in the same spot. I've stated in another thread that every time I start to really let all this get to me I meet someone that is battling cancer, or burying their spouse or raising a child with special needs...people with real problems. We do have our health and thanks to my maker breaking into my life again some years ago my marriage is strong. We have our joy and laugh together every day. The important things are the important things, period. Sometimes we forget which things are the most important.
Now I am not making light of the situation. The stress can be unbearable and I've had my 'George Baily at Martini's Bar' moments. (ask a fan of "It's A Wonderful Life") But the angst and what ifs and, especially for a man, the feeling of failure can overwhelm you. Remember that failure is only complete if you fail to learn from it. The situation is what it is and no ammount of ranting or bitter feeling will change it. Look to the future and how to make the best of what is available to you. My favorite quote is: Life works out best for those who make the best of how things work out.
 

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Posted by Donna in BC (Member # 130) on :
 

quote:

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Remember that failure is only complete if you fail to learn from it.

The situation is what it is and no ammount of ranting or bitter feeling will change it. Look to the future and how to make the best of what is available to you.

My favorite quote is: Life works out best for those who make the best of how things work out.

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quote:

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Life works out best for those who make the best of how things work out.
The only difference between stumbling blocks and stepping stones is the way in which we use them.

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Very well said! This post is doing what you want it to John, people talking and realizing that they aren't alone out there. My girlfriends and I get together once a month and call it "therapy".
 

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Posted by Rick Beisiegel (Member # 3723) on :
 
There are still others who have not chosen to speak up here. Maybe still too painful? Thats OK, were all in this together.

Now, where are those stepping stones?


 

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Posted by Kimberly Zanetti (Member # 2546) on :
 
We consider ourselves among the lucky ones. We have the house we're living in that we bought and all is well there. The house that we've been trying to sell for two and a half years is about to go to foreclosure. Even if we do get the bank to approve the short sale, it's only for 38% of the mortgage. I just need it to be over already.

My mother and step-father just moved to town with little more than a van full of belongings and not a cent to their name. He had cancer a few years ago which wiped them out and she got laid off for the 2nd time in 2 years. They had to give up their apartment where they've lived for about 15 years and I found them a very tiny, low income subsidized senior apartment down the street from us so I can at least help with groceries, etc when their social security doesn't make it to the end of the month.

My husband's brother at the age of 58 is down to his last $100 after his job is down to almost nothing with no prospects.

Knock wood Clay and I both have jobs that we've been assured are secure. Who knows though these days.

[ August 06, 2009, 11:13 PM: Message edited by: Kimberly Zanetti ]
 

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Posted by david drane (Member # 507) on :
 
Barry Obama???
 

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Posted by Jillbeans (Member # 1912) on :
 
I almost lost my house in '05 with only a year or two to go on my mortgage.
I knuckled under and got a "real" job, and in about 9 months signs picked up. In the meantime, it sure was great to have that bi-weekly paycheck. I think it was about $300 every two weeks but it was more than I was making with signs.

Business slowed in December of '06 again and I re-applied at the hardware store. But I had to put in my two week's notice the day I started back because of sign orders.

I have been working like a fool since January of '07. The house is paid for, I got rid of my lemon truck and bought a new used one at Thanksgiving. The payments are lower.

I have no idea why I have had so much work in the past two years but I am happy for it.
I am not bragging or rubbing it in.
I think what I am trying to say is that the sign biz can be a very fickle mistress. You can make $1000 one day and nothing for the next two weeks.

At the time in '05 when I was broke and cobwebs were hanging from my plotter and sign kit, a lot of people on here told me it was just my attitude.
Well it is pretty darn hard to have a good attitude when you don't know how you are gonna feed three kids as a single parent or pay the heating bill.

I swallowed my big old signpainter pride and got a job. The job helped me to get organised and focus on getting it done and making it go away. Meaning tasks. It improved my people and service skills. So in essence it helped my sign career as well, later on.

My heart does go out to all those who are struggling. And as others have said, it's really just a temporary thing if you can tough it out, not like a horrible illness or a death. What's that old saying...what doesn't kill us makes us stronger.
Love....Jill
 

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Posted by Doug Allan (Member # 2247) on :
 
do you even realize what people are talking about Dave? Not That!
 

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Posted by david drane (Member # 507) on :
 
It started somewhere Doug??? wasn't happening 18 months ago.
 

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Posted by KARYN BUSH (Member # 1948) on :
 
yeah...lets blame obama, dave. it wasn't happening 18 months ago? my ass. that's when it was startin up. remember the financial sector collaspe? get a clue, dude. things don't just happen overnite...this shyt was snowballing years ago....and now we are hopefully near the bottom.
 

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Posted by Jane Diaz (Member # 595) on :
 
What upsets me is that someone would bring a political tirade into a post about people suffering a trying time in their lives. And rather than offer positive, helpful suggestions or at the very least, a little sympathy, you throw politics at it...shame on you!
I agree with Karyn. It's been happening for quite some time and which political party is to blame is not the issue! I have my thoughts on the situation, but this particular post would NOT be where I would share them. BESIDES the fact that Steve has REPEATEDLY said "no politics here"! Lets try to HELP each other, not make each other mad!
 

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Posted by Joey Madden (Member # 1192) on :
 
Scenario #1

guy has a sign shop for eight years, does very well on the books which he does himself and covers his arse at every turn. Sells his sign shop for big dollars and the new owner in the first 4 months realizes he has no business because the books were altered.

Who's at fault here David?

[ August 07, 2009, 09:38 AM: Message edited by: Joey Madden ]
 

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Posted by Rick Beisiegel (Member # 3723) on :
 
Jane & Karyn are my new heros


 

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Posted by Darcy Baker (Member # 8262) on :
 
I've been self employed too long to be "employable". I don't want to be a middle man for digital prints. I've done some digital design work and sent it out of house for production. I am changing direction to go back to what I know which is airbrushing and am setting time aside to practice striping which goes well with it. Basically focus on areas which machinery can't reproduce to keep a viable niche. Signs were a fun artistic way to make a living and I will continue to make them when custom work is appreciated.I see the writing on the wall and gotta stay flexible. Customers who like lowball prices can go somewhere else.Just keeping my overhead low and trying to enjoy the ride. I wish everyone well. These are different times.
 

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Posted by Jeff Ogden (Member # 3184) on :
 
Great post Darcy. You nailed it. Staying creative, and doing what you actually like is where it's at.
That coupled with the willingness to learn new things, is a good way to do battle with this economy.

My best advice to those in dire straights, is to
follow your heart and be willing to ride new
trails.
 

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Posted by Rusty Bradley (Member # 6938) on :
 
Rick...I'll second that motion.
 

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Posted by Bob Rochon (Member # 30) on :
 
With every ending there are new beginnings.

Shame on us for letting "stuff" define who we are. Including occupations.

My heart goes out to those who are in this boat, for in a way I am one of them. With a Divorce, you lose a lot of "stuff". Then you realize that is all it is. The important things can never be purchased or leased.

Ride new trails, look forward not back, Glance every now and then, but keep your eyes on where you're going. Life is truly what you make of it.

Be grateful for everything, good and bad. Without the bad you would never appreciate the good.
 

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Posted by Kimberly Zanetti (Member # 2546) on :
 
Thank you Bob and you're right! Financially this was a huge blow to us but in the end our life is much better now. Clay has a job he really likes now and someplace he's appreciated - same for me.

After having to live apart for 11 months for job/financial reasons, it has given us a new appreciation for our marriage and our family.
 

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Posted by Bryan Quebodeaux (Member # 48) on :
 
I'll chime in here from south Louisiana. Our local economy has been feeling the effects of the down turn for a few months now. I know it's a bit later than the rest of the country, but historically we're always the last to feel it and the last to get out of it. I started my buisiness in '97 after the refinery I worked at went out of business. I worked out of my home for a year, built a small shop behind my home the next year then bought a commercial building the following year. At first my main concern was trying to keep and afford the tuition for my kids who attended a Catholic school and thank God I did.
Next came an employee then another and so on. With employees came better equipment and more equipment yada yada. I never considered my self a knowledgable business person...just a guy trying to provide for my employees and my family. I wasn't born into money so my only way to proceed was to finance my way in business for as little time as I can afford. Here lately, some of the recent purchases are getting harder to make. Thankfully we are not at a dead stop but were not busting at the seams either.
Last week was the first week I had to cut a departments hours. That really bothers me. As most of you already know being an employer carries a lot of responsibility. I can't help but feel like a failure to them but the business side of me has to know when to apply the brakes. You can't make chicken salad out of chicken sh!t. A few months ago I sat down with everyone here and explained what we might go through economically. All we can do is put one foot in front the other and hope for the best.
I sincerely hope that we (everyone here) can all pull through this. After all...we're not here for a long time, but a good time!
 

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Posted by James Donahue (Member # 3624) on :
 
What Karyn said about economics, might be an understatement. It goes WAY back, but...the hell with that....um, you guys are really in the thick of it. I like what Biil Diaz said.

As for me, it's been bizarre. I had 6 or 9 months, (who's counting?) or No sign work. A friend who does construction work gave me a job. If I put in the hours, I could make it. He was great, but the other people, wow. Everybody always did things their own way. Always. I was in constant conflict because I was trying to do what the supervisor said. Then one day, as the conflict was particularly heavy, the supervisor's daughter was watching. I was promoted to a better position.
Same pay, but was able to learn more. Then, just when I needed to be at home, the sign calls started coming in. It was as though all the calls from before came in at once. I was so busy I lost about $7000 of work. After catchup, I don't have a lot extra, but we're OK.
So all I can say is, keep in contact with people you know, whatever you do, do it well. Be a good construction worker, a good equipment operator, a good whatever.
 

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Posted by Ray Rheaume (Member # 3794) on :
 
Situations like these and the state of the economy only remind me...

"This, too, shall pass."

Keep up the good fight.
Rapid
 

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Posted by david drane (Member # 507) on :
 
ok guys, I apologise to the Shortreeds and to everyone. I was out of line on this board and I admit it. please accept my apologies, it will not happen again.
 

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Posted by Doug Allan (Member # 2247) on :
 
Thanks Dave

I been there plenty!
 

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Posted by Ricky Jackson (Member # 5082) on :
 
Our business has been steadily going down for the last couple of years. I've seen several sign companies here go under, even the biggest one. I have two competitors, a screenprint shop and a printer, that also make signs. Last week I bid against each of them; I was 3x the price of one and over 2x the price of the other. It wasn't that I was high, they were ordering off the internet and charging a little above that. My wife got so mad at one of them that she went into their shop and gave them a piece of her mind.

We're not losing our house but it's stupid to try and wait out this economic situation any longer. I'll be turning over the shop keys to the landlord at the end of this month. I've got two prospects to sell; meeting again with one tomorrow. My only regret is taking the nearly $100,000 that we made in real estate and putting it into this stinking business. I wish I had bailed out two years ago.
 

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Posted by Rick Beisiegel (Member # 3723) on :
 
Ricky

Sorry to read this news. Hope life after signs is better for you. You may not end up being a sign guy, but you'll always be a Letterhead



[ August 10, 2009, 10:20 PM: Message edited by: Rick Beisiegel ]
 

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Posted by Pierre Tardif (Member # 3229) on :
 
Geeez, I'm with you guys. Times are really tough. I haven't lost my house, but am working really hard to keep it. I gave the key back to the landlord of my shop and building a garage in my backyard to keep the expenses as low as possible. It took everything to get a loan from the bank. Hopefully the best is yet to come! Thinking of you John and Judy.
 

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Posted by Jackson Smart (Member # 187) on :
 
Well....I guess I am in the same situation here.

I really hate to admit that things are not as busy here....I try to stay positive and remember that I create what happens to my business, despite the downturn in the economy. I just started to draw social security now and that will cover my house payment. All I have to do is make the remainder by doing signs. No problem, right? So far so good. Our intentions are manifesting daily, I just have to remember to stay focused and not let myself get caught up in the fear that is now permeating our world....because whatever you fear, you attract to yourself. This is not meant to say that the heartbreak of losing your business or your home
is taken lightly, but just remember that you will indeed go on to something better if you so desire, or fall off into the great void of despair....your choice.

I have had some downturns in my life also, it has not been a free ride by any means, but I did survive and turned my misfortune into a much better life for myself and Dianne. We are not getting rich but we are comfortable so far....however, that too could change at any moment. I think I would pile all of our "stuff" in the yard and set fire to it, then turn around and walk away and never look back....after it is gone then all I can say is..."NEXT"? We will survive if we so choose.

So....to all of you that are in dire straights right now....my heart goes out to you. I wish you well and my you turn this into something wonderful for yourself.

Jackson
 

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Posted by Kevin Gaffney (Member # 4240) on :
 
And I thought things were bad here in Ireland, and believe me they are. I've just been listening to a couple of economists talking about the US economy and they seemed confident it was just beginning to turn the corner. I hope and pray for everyones sake, this will be the case. I cannot find words to express how bad I feel for those of you losing your homes or business
 

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Posted by Mark M. Kottwitz (Member # 1764) on :
 
I, too, have to admit that things are not going too well here on the Eastern Shore of Maryland. Things are starting to pick up, but not enough.

One thing that I have noticed is the customers, even the good ones, are doing a lot more shopping around. I had one customer that I had quoted last Aug to wrap (2) 18 wheeler trailers, and they got prices off the internet from a companies in CA and NY that I had to match or beat. I got down to bare bones, and came in a couple of hundred dollars cheaper. Then they started changing specs, and even went as far as to drop it to (1) trailer. I held the price, since they were existing customers (I had done their monument sign)...Months go by, and then it shows up at their plant finished. Seems they got it done from a guy a couple of towns over. I asked the guy in charge of the project if it was customer service, or what was the reason to pass me up, and he told me that it was because I didn't have enough experience. I have been doing signs for 18 years, and they went to a guy that has been in business for 2 years.

I too have gone out and gotten full time employment at a local school working with autistic children. A complete career change for me. I had to, considering I got behind on the mortgage, and my wife dipped into the savings to save the house.

I hear everyone saying that it should turn around and things are going to get better. I love hearing the optimistic attitudes, but I am on the opposite end of the spectrum. Things are getting a little better, but I am thinking that at the end of the year, there will be another drop in the market. Things will never be back to the way that they were, where home prices are out of line, and credit flowed more freely. Banks are more careful with whom they lend money, and they will be for years down the road. I see what happened with the economy a correction to get back to center scale.
 

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