Thursday, December 31, 2009

with all of our hearts




We wish our family and friends a very happy and healthy new year.

We look forward to 2010 and all that comes with it.

2009 was a little intense for us, but I really can't call it a 'bad' year.
What year is bad when you have family and friends surrounding you with love, support and encouragement?
Love and blessings to all of you.

Wednesday, December 23, 2009

visiting a family of dentists

A few weeks ago we found our dental plan had been dropped, upon changing our mailing address with the postal service. "Since you are no longer living in the area"...and not only did they just drop us with no questions asked, they told us we can't reapply for another year.
So, here we are in Virginia Beach, living with an endodontist, whose father is a general dentist. Jim has graciously allowed us to fill in appointments when cancellations have been made. We are so grateful (again and again) for all the help from family and friends over the last few months.

Monday, December 21, 2009

Christmas at the beach

The Virginia (Beach) Aquarium is one of our favorite places to visit. They have done some major renovations and now it is even better! We had a fun family day today.



Thursday, December 17, 2009

Our first gingerbread house

The kids and I have never made a gingerbread house, because frankly I know I don't have the patience for it.
So this year Stephen took the job and not only did the kids have a GREAT time doing it, it came out beautifully.



Tuesday, December 15, 2009

Frosty in the Park

Tracy's neighborhood Ladies League hosted a Frosty in the Park night. We bundled everyone up and enjoyed treats and watched Frosty on a projector screen.

You can see Avery and Charlie's glow necklaces as they watch the movie.


Stephen and Jackson trying to keep warm.


All bundled up~

Sunday, December 13, 2009

Santa

Avery's letter to Santa.

 


The Santa visit.
 
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Saturday, December 12, 2009

Pancake Breakfast with Santa

We have been pretty busy here in VA Beach, today we had breakfast with Santa at Evan's school. The kids loved visiting with Santa, all except Jackson. We have definitely hit the "I don't like the man with the white beard" stage.
And Avery wrote her letter to Santa, letting him know he can deliver their presents here at Aunt Tracy's.

Stephen and the kids enjoying the breakfast.
 


Avery and Charlie in front of Santa's tree
 


The powerful super hero trio with their candy canes.
 
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Friday, December 11, 2009

Just some food for thought during this CHRISTmas season

LINFEN, China — Towering eight stories over wheat fields, the Golden Lamp Church was built to serve nearly 50,000 worshippers in the gritty heart of China's coal country.

But that was before hundreds of police and hired thugs descended on the mega-church, smashing doors and windows, seizing Bibles and sending dozens of worshippers to hospitals with serious injuries, members and activists say

Today, the church's co-pastors are in jail. The gates to the church complex in the northern province of Shanxi are locked and a police armored personnel vehicle sits outside.

The closure of what may be China's first mega-church is the most visible sign that the communist government is determined to rein in the rapid spread of Christianity, with a crackdown in recent months that church leaders call the harshest in years.

Authorities describe the actions against churches as stemming from land disputes, but the congregations under attack are among the most successful in China's growing "house church" movement, which rejects the state-controlled church in favor of liturgical independence and a more passionate, evangelical outlook.

While the Chinese constitution guarantees freedom of religion, Christians are required to worship in churches run by state-controlled organizations: The Three-Self Patriotic Movement for Protestants and the Chinese Patriotic Catholic Association for Roman Catholics.

But more and more Chinese are opting to choose their own churches, despite them being technically illegal and subject to police harassment. Christians worshipping in China's independent churches are believed to number upwards of 60 million, compared to about 20 million who worship in the state church, according to numbers provided by scholars and church activists.

House churches have been around for decades, but their growth has accelerated in recent decades, producing larger and larger congregations that are far more conspicuous than the small groups of friends and neighbors that used to worship in private homes, giving the movement its name.

Their expansion and growing influence has deeply unsettled China's rulers, always suspicious of any independent social group that could challenge communist authority. Fears that Tibetan Buddhism and Islam promote separatism among Tibetans and Uighurs also drive restrictions on those religions.

"They are so afraid of rallying points developing for gathering of elements of civil society," said Daniel Bays, who follows Chinese Christianity at Calvin College, a religious school in Grand Rapids, Michigan.

While house churches have faced varying degrees of repression depending on the region and political climate, the latest crackdown appears to specifically target the largest congregations.

Authorities want to dismantle large churches "before they grow out of total control," said Bob Fu, a former Communist Party researcher in Beijing who now heads the China Aid Association, a Texas-based church monitoring group.

At least two other large churches have recently faced similar crackdowns.

In Beijing in October, authorities locked parishioners of Shouwang house church out of the space they had rented to worship in. In Shanghai, the Wangbang congregation faced a similar lockout. Both congregations had grown to more than 1,000 members.

Shouwang and Wangbang church leaders have not been detained, but activists fear further arrests are coming.

In a brief phone conversation, Wangbang's pastor Cui Quan said worship continued in small groups while he fought to have their lease restored. He declined to give other details.

Christianity was long associated with foreign interference in traditionally Buddhist and Taoist China, and came under heavy attack after the 1949 Communist revolution.

The most onerous restrictions were lifted after the death of communist leader Mao Zedong in 1976. Although Christians still account for a less than 10 percent of China's 1.3 billion people, recent years have seen rapid growth in house churches in both cities and rural areas,

Adding to official concerns about their numbers, house-church Christians also emphasize missionary work — illegal in China — and some have even operated an underground network to help smuggle North Korean refugees and Uighurs out of China in defiance of the security forces.

The Golden Lamp Church was built by husband and wife evangelists Wang Xiaoguang and Yang Rongli as a permanent home for their followers, whose numbers had soared to more than 50,000.

The couple, administrators at the provincial teachers' college, had been preaching in the region around the city of Linfen since 1992, establishing a network of three dozen communities meeting in improvised spaces such as factory dormitories and greenhouses. They also attracted thousands to tent revival meetings.

According to Bob Fu, Shanxi authorities grumbled as the church was being built last year, but did not try to stop work and offered few, if any, signs that an impending crackdown.

On a rainy Sunday in mid-September, some 400 police officers and hired thugs descended on more than a dozen church properties around Linfen, smashing doors and windows and hauling off computers, Bibles, and church funds, according to accounts posted online by church members and their allies.

Those accounts said worshippers who resisted were beaten, with dozens hospitalized with serious injuries.

Wang, Yang, and three other church leaders were convicted on Nov. 25 on charges including illegally occupying agricultural land and assembling a crowd to disrupt traffic. Yang, 51, received a seven-year sentence, while Wang, 56, and the others received terms of three to four years. Five others were sentenced without trial to two years in a labor camp.

Other church leaders have gone into hiding.

Courts, police and government officials in Linfen refused to comment on the claims of violence and persecution. A local Communist Party spokesman said only that the case centered on the mega-church's lack of planning approval.

"We have always supported and allowed everybody to believe in religion. But the church itself is an illegally constructed building," said the spokesman, who would give only his surname, Wang.

A lawyer for Wang and Yang, Li Fangping, said the church had applied for permits to build the church from the local religious affairs bureau and the land use authority, but received no reply.

Almost three months after the crackdown, people in and around Linfen refuse to discuss the church, and police vehicles remain parked on virtually every corner of the neighborhood where the Golden Lamp is located.

http://www.foxnews.com/story/0,2933,579979,00.html?test=latestnews

Wednesday, December 2, 2009

We have been told we will definitely have a contract in hand in 10 days or less and the bank is pushing for an end of year closing. We are running around crazy getting all our last minute paperwork to the mortgage broker, so it feels like things are really moving forward!

Tuesday, November 24, 2009

short sale update

Trust I has given verbal approval, just waiting for written letter of approval. Negotiator is on vacation, so letter should arrive to selling agent next week.
Trust II has indicated it will be approved, waiting for approval letter as well.

Here is some encouragement from our agent. "What I like is that I am not hearing any major hedging or thoughts that we are still in a negotiating process - but rather an almost clerical process at this point. She (selling agent's office manager) also said that once we have final approval the closing period is anywhere from 2-4 weeks - which mainly depends on the buyers ability to get to the table and close the loan. SO I am hopeful that we can get approval next week (I will once again start pushing on Monday) and we can get you in the house before Christmas!"


Of course, cautiously optimistic, as verbal agreements haven't gone in our favor in the past.

And in Stephen's world, the vacationing negotiator for Wells Fargo is visiting Thailand, which will be hit by a tsunami, making Wells Fargo designate a new negotiator to our short sale process, making us start from scratch.

I seriously would not have gotten through this process without my husband's sense of humor.

Winchester

Spent a lot of time playing in the hotel.

 


And playing at Jim Barnett park.
 

 
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Monday, November 23, 2009

3 counties in 3 months

We're on the move again! Surprised? No one should be at this point.

The kids and I are 'moving' to VA Beach after our trip to Philly for Thanksgiving.
There is so much that could go into this post, but won't. Just know it is a good move for us right now as we wait to hear about the short sale house.

Again, saying we are grateful for our family doesn't even come close to expressing our sentiments.

Wednesday, November 18, 2009

one day at a time

Took Charlie to get his haircut today. We walked over to a little shop in the parking lot adjacent to the hotel.

When I couldn't pay (I didn't have cash or a check), I told the barber I would run over to the grocery store to get cash. I told him it would be a few minutes, in that I was indeed 'running' not using a car. With three kids in tow.
So of course we got to talking about why I was walking, why we are staying in the hotel.

When these conversations start, I never know how much a stranger actually wants to hear, cares, or their knowledge of the current real estate market - the meaning of a short sale. So I usually just say we're waiting for a house.

The crazy thing is, most people want to hear the story. And usually it is because they know someone affected by the current real estate market and can commiserate.
This barber knew of the short sale process and wanted to talk because he is on the flip side, it is his current home being sold for $200,000 less than he paid for it 5 years ago.

He wasn't bitter, just sad. And he actually told me he was happy to meet a family waiting for a short sale, because he is seeing mostly investors for his property. Our conversation was cut short by another customer. I was glad to see he had business.

After I got the cash and walked back, he had two more customers waiting. I quickly paid so he could get back to work, but he took the time to say "just take it one day at a time." A man about to lose his home consoling me.

Everybody has a story to tell. It has been interesting to have a story of our own that actually invites others to share their experiences.

Thursday, November 12, 2009

a house update

The second trust (second loan) has accepted our offer and the amount they will receive.

So here we sit, still waiting for Wells Fargo (the first trust) to accept our offer and give us the green light to start the process to close.

Here is a letter I sent to Wells Fargo, the Obama administration and Glenn Beck. I assume it will go nowhere with these venues, but it felt good to get it off my chest and 'out there'.

November 6, 2009

Dear Wells Fargo:

This letter is on behalf of me and my family, husband of ten years, as well as our children, daughter 5, son 3 and a fifteen month old baby boy.

We are homeless. Not homeless in the sense that we live on the streets begging for food, shelter and money. We are homeless in that we have no place to call home.
We currently live in a hotel in northern Virginia.

The beginning of our homelessness is no fault of ours or yours, but a wretched landlord in Baltimore who refused to fix a mold problem that reached toxic levels.

In hopes to get our family well, especially the baby, we quickly moved out. Fortunately we have family who were willing to take us in for some time.

Just 3 weeks later (August 6, 2009) we put an offer on a home.
Yet 90 days later, here we sit, waiting to hear if our offer has been accepted by your bank.

My husband and I have worked very hard and in our ten years of marriage have previously bought and sold two homes. We have excellent credit, we don't live above our means, and we have cash to put down and/or put into the property we are trying to purchase.

We have been told the 'short' sale process can be long. We have waited patiently. We have rushed around to get signatures and paperwork to you in a timely manner. We have even brought our offer up to your asking price. Yet here we sit, still wondering if the home is ours, still homeless.

We understand your bank is facing a great financial loss with this home. But by sitting on a decision with this home, your bank is losing money daily. During a time when Americans and especially banks and big corporations are trying to be more fiscally responsible, this doesn’t bode well.

It is no business of ours as to why the current owners claimed distress on their mortgage.
All we ask is that you take this issue of what is owed your bank to the President, to the current administration. Not use it against us to stop us from buying a property that we can see calling home for many years to come.

Tired, homeless and very frustrated,
Susan Keller

two news

Stephen thought it would be fun for the kids to have a fish here at the hotel. So, here is Curly the crowtail betta.


Jackson's first pair of shoes, some old school Nikes. We were putting off buying new shoes for him until he was fully walking (almost there!) and since I have Charlie's first pair packed away and he only wore them 3-4 times before it got too hot to wear Stride Rite's. But since the temperature has dipped, since Jackson won't keep socks on his feet and since I have heard several people say, "Wow, his feet must be so cold!" we went ahead and bought his first pair.

Monday, November 9, 2009

fresh air

We are having some gorgeous weather! While Stephen was here this weekend, we visited a local discovery museum, walked around historic Winchester and found a great park for the kids.
Today I took the kids back to the park. Charlie met a friend who he played with for 2 hours. Charlie kept asking the child his name, but couldn't understand him. So Charlie just called him 'friend.'
"C'mon friend, let's go down this slide." It was so cute.

While the kids ran around chasing ducks, the most well-fed ducks I have ever seen, I talked with a couple visiting from Delaware. They had their granddaughter with them to to give their daughter and their son-in-law some time to pack.
The son-in-law works in the building industry and has recently lost his job. They also lost their house. The couple went on to tell me all three of their children are struggling.

They were visibly upset with the circumstances and told me they promised all of their children a place to stay with them in Delaware if needed. It was heartbreaking to hear the story, but inspiring to see this family pull together.

As much as I don't like the economy being bad, the unemployment rate increasing, I think these times have brought us to points of realization. What is most important to us? Who is most important to us? If we lost everything, what would that look like to us?

No one wants to see loved ones struggle, but gaining some perspective in troubling times can be a great life lesson.

Our lives, the homeless Kellers, has become simple. Our situation may be complicated, but our day to day living has become simplistic. It has been an adjustment, but a good one. I hope once our housing situation is straightened out, we will continue this simple life, for it is quite fulfilling.

Thursday, November 5, 2009

90 days

and we still don't know if we own the home or not.

So here are some thoughts that have transpired over the last 3 months.

1) When dealing with the bank, throw logic out the window. The word is not in their vocabulary.

2) The bank does not care about the buyer. All they care about is the mighty dollar.

3) When a bank says they'll get back to you in a couple of days, they actually mean weeks.

4) When the bank says we want X amount of dollars for this house, and you offer them said amount, it doesn't make the process any quicker (refer back to #1).

5) A man's perspective of who is pushing paper at the bank is a woman. A woman's perspective is that the paper pusher is man. Always blame the opposite sex.

5) Every moment is exhausting. When the phone rings, it could be the realtor. When it is the realtor, it isn't the news that was expected.

6) When there is news about the process, it is not detailed and very cryptic. Today's news "after speaking with the bank, we (selling agent) have been told we will receive a call back from the negotiator."

7) The buyer is always rushing to get the bank whatever it needs at any given moment, for fear of losing the sale. The bank has no timeline.

8) Buying a short sale is the truest test in patience and complete surrender. The buyer has no control in the process.

With a lot of faith, and tremendous help from our family and friends, we're still hanging in there and hanging on to the hope this house will be ours someday soon. We have been told if we can wait out the short sale process, the house (and the price) will have been worth it. Still not sold on that thought, but we'll see.

Tuesday, November 3, 2009

Halloween

We had a great weekend in Baltimore with Thomas, Jenny and James. Here are some highlights of our Halloween.
Stephen's carvings - the top pumpkin is Ray Lewis of the Ravens.

Charlie as a Raven's football player.

Avery as Word Girl

Jackson and Stephen enjoying the trick or treating.

Sunday, October 25, 2009

Big week

This is it. The week the bank tells us whether they accept our offer or not and if they accept, a closing date.
Last week we were signing paperwork that make us believe we are heading in the right direction, but you just never know.
Either way, the kids and I are leaving Smith Mountain Lake on Wednesday. Heading up to get our first look at the house, check in with Avery's school.
Then on to Towson to spend some time with Stephen, Thomas, Jenny and James. The kids are really looking forward to seeing everyone, going trick or treating with their cousin and visiting the aquarium.
Next Monday, we'll check into our new residence, a Marriott TowneSuites in northern VA. It is time to start setting some roots down up there, getting Avery into school.
If we get a yes, we hope to only be in the hotel for 2-3 weeks.
If we get a no, at least we'll be in the area to look for long term rentals as well as other houses.
"Oh there's no place like home for the holidays..."

Wednesday, October 21, 2009

stumbling upon a piece of paradise

Dad and I took the kids to the 'beach' today. The same beach we visited this summer, but this time of year the beach is closed. So the kids played on the playground and then we decided to take a nature hike around the peninsula.
The trail led us through some beautiful trees and to some other beautiful beaches (only accessible when the lake is low).
We came across this hut someone put together, seemed like we had stumbled upon the movie set of CastAway.
We ate lunch on the dock and watched all the boats motor by. We then met a woman fishing who told us about living on the farm where the lake now exists. Avery told me on the way back to the car, "It is neat listening to stories from older people."
Avery's shell and stick smile summed up our trip. Great day to be outside exploring.


 

 

 
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Tuesday, October 20, 2009

Avery and her fangs

 
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Here she is sporting her celery fangs. There is a new food every day with which to create fangs. Almonds, clementine slices, carrot sticks. Endless possibilities.
Love our goofy kids.

Saturday, October 17, 2009

That time of year

Our three little pumpkins

 


 


 



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Wednesday, October 14, 2009

keeping our mind off of our situation

Well, the news on the house is a bit overwhelming. We have officially signed papers to rescind our first offer. Along with that paperwork, we have thrown a new offer at them. An offer we think is fair for everyone, but the bank may not agree. Now we wait to hear back, hopefully in the next day or two. Having never seen the house, I don't have my heart set on this house. But I do have my heart set on finishing this process and having our family back under one roof.

So today we are baking to keep our minds off of the process. Apple pie with fresh fruit from the orchard we visited in Charlottesville.

The Labor. Stephen, Avery and Jackson heading off to pick Staymen apples.


The Fruit. These were young apples not ready for picking. It was a beautiful day and everyone had a great time.


The Fruit of the Labor. Can you smell it through the screen, divine! Basic apple pie with an Emeril oatmeal crunch topping.

 
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Tuesday, October 13, 2009

need prayer

Bank came back and denied our offer on the house.
The selling agent asked if there was anything we could do and the bank replied that we need to raise our price by $20,000.
Stephen and I are weighing our options.
We feel if we raise our offer, we are paying slightly more for this home than it is worth (comparing comps in the neighborhood) and that we are also pushing our limit financially.
If we counter, we could lose the house and have to start looking again.
Prayers appreciated as we make these decisions.

Wednesday, October 7, 2009

enjoying the beginning of fall

Avery catching butterflies in grandpa's blue garden.

 


Charlie making leaf stew in the bird bath.
 


The moon rising over the mountain, over trees starting to turn.
 



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Friday, October 2, 2009

Our rainbow in Lynchburg

 
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As I have mentioned in previous posts, I firmly believe that when we see rainbows, God is communicating with us (as He did with Noah) that things are going to be ok. The road may not be as we had planned, but the brilliant colors can renew our spirit and remind us that we are not alone on our journey.

It has been 25 days since we have seen Stephen. He arrives tonight and we are all so excited! Looking forward to wonderful weekend as a family.

Sunday, September 27, 2009

Amazement Square

Some photos of our visit to the Lynchburg Children's Museum.
This was a very cool glass room where the kids could paint the walls.

 


Charlie loved painting my face through the glass, I took this right before he painted me green:)
 


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