Library Animal Ambassadors

Well I am so not perfect got the time wrong for Animal Ambassadors at the Library today it started at 2:30 pm not 3:30pm. Well Nikita is just happy to be here with her friend and to spend time with her friend before she leaves to visit family for a few weeks.
Tomorrow we have tentative plans to go swimming with friends if that doesn't work out Nikita wants to go to the movies to see Monte Carlo with Selena Gomez. Larry and I have been to Monte Carlo in 2007. All Larry was interested in doing was checking out where they ran Formula One, which we saw. We went by the Casino but we didn't get to go and check it out. I just got a call for a friend of Nikita's inviting her to go over to her house to hang out tomorrow. Boy all week nothing now Friday so many things to maybe do or not to do. This summer so far is turning out to be not so bad. I am hoping to have Saturday free all day if Larry has the day off he and Nikita will go to the beach. Nikita has invited a friend to go we will see if she can and if I get a day off or not.

Kids Girls to be exact

This summer has just began and my house seems to be the place to be. We go to the pool, library, the school to play or run errands with me. I am told by Nikita that I am boring and no fun to be around. Her friends say different. Today Nikita's friends went to the school and played for an hour came back to my house had a snack now they are all giggles upstairs and they want to stay late. If Larry gets home at a decent time he will take them swimming. All girls are leaving at 5 or 6 pm. Thank goodness, the giggling and chatting I keep telling them if they don't want me to hear it talk lower cause I can hear everything.
Tonight I am making Spaghetti with meat sauce for me and Larry and a burger for Nikita. Nikita won't eat anything with tomatoes.
I don't remember at age 11 having so many emotions that one moment Nikita is happy next thing I know she is sad. I have been told she is going through hormone changes. I see Nikita's friends doing the same. I have chosen to do organic on most everything that I can, because I have heard recently that girls are reaching puberty as early as 7 yrs. old. That is scary to hear. A lot of it is all the hormones and stuff in products. I am glad that we started to do organic in I think 2004.

Big Bank & my current problem with them

Several months ago we refinanced our house and got a FHA Loan from Lending Tree and they sold our loan to a Big Bank and they made changes to the loan without notifying us. No our payment didn't change. This is what happened. When we signed the loan documents there was an escrow account set up to pay our property taxes. We did not want this but were told we have to have this to get the loan, okay we then agreed and signed the documents. When the loan was sold the Big Bank added to existing escrow account Home owners insurance as part of the loan. They did not inform me or Larry about this at all. For months now Larry has been trying to talk to someone and try to get answers to no avail. Larry gave up on it for a while then, decided to change insurance companies 1) less a month 2) maybe this will make them listen to me. Guess what they did listen and notified new insurance company and got paid by them too. Larry tried again to fix this to no avail. Big Bank  now is trying to reinstate old insurance company. Larry said can you deal with this Joyce you will probably get better results. Well I contacted first "old insurance company", they have agreed to pay some of the money that Big Bank paid them but not all of monies they will prorate us is what I was told. Then I preceded to call Big Bank to try to resolve escrow for Home owners insurance. This is what first person said we should have notified you, but maybe we didn't. I asked shouldn't we have to sign new documents for changes, sure we can refinance your house for you again. At that point I was like WTF (in my head not out loud). I then asked questions tried to make her understand to no avail. I told myself you will not give up on this run around like they did to Larry, so I asked for a Manager she put me on hold and a Supervisor came on the line. I was firm and didn't yell at this people or even curse. I got the run around from the Supervisor then she said we are Big Bank and we don't need to inform you, this is how we do things!!!!! I tried so hard not to want to reach through the phone and strangle her. I have an HOA that I pay every month that should cover this and she keeps saying no it doesn't. At this point I will tell you I had to go to the bathroom so bad I was fidgeting all over and Nikita asked what was wrong. The last thing I said to the Supervisor is that I don't think this is legal and I will find out if it is or isn't and if it isn't "I will be doing what it takes to change this for my family". I got off the phone and you can guess what I did next. 
After these conversations I looked up FHA on the Internet and called them. There information center in Washington D.C. said that the Big Bank was wrong and what to do next. I talked to Larry and first he didn't want to follow thru to the end he just wanted it to be over, which is what I think Big Bank wants you not to follow thru. I told Larry I will handle it. Like I need more stress in my life :) . I will update soon on my progress. I need to rest now, since Nikita is at a friends having way to much fun. If I didn't make sense sorry, I do have occasional brain farts!!!!

Library & Lunch

Today we are at the Hunt Library. We are trying to incorporate some education into summer. Nikita has a friend that she brought with us. We are going to try to come to the library once a week. Next week the library has Animal Ambassadors. Tomorrow we will start planning tentative plans for July. For lunch today I am using my fun money and we are going to Soupplantation.

Lazy Day

Well today we are being lazy, watching movies and resting. I have done to much for the last few days so I need to rest. I wish I wasn't in pain 24hrs a day. I do what I can even when I am in pain, I am a Mom, wife and a woman I just endure even when I don't think I can. The doctors have suggested I be medicated almost all the time, but first & foremost I am a Mom to Nikita. I am also afraid that I could become addicted to the medicines.That is why I take them only when I have help and do not have to be responsible for Nikita.Which only happens usually on the weekends when Larry is home. I wish for Nikita's  sake I had more energy and that I could do more, but I do the best that I can.

Busy Day

Today will be a busy day, so far we (Nikita & Me) went out to breakfast at Coco's. It was so yummy, Nikita had scrambled eggs, bacon, fruit & cinnamon roll. I had scrambled eggs, bacon & Strawberry French Toast. Then we went shopping at Target and got stuff. Now I will relax for 30 min. then start baking for a BBQ we are going to tonight. Then clean up from baking and other chores. Tonight we are going to a BBQ called a "Winnie Burn", The Tres Rios Power Squadron puts this on for there members & their family members. We BBQ hamburgers, hot dogs and everyone brings side dishes, chips and desserts. Me I am baking brownie chocolate chip bars.

swimming is funny

the girls need me to make up games for them at the pool, so they will not argue who is right or wrong, and how to play this or that.