The "GRIPPERS" (Getting Homeless Without Even Trying) was introduced here, in serial form, on June 6, 2011. It ran for 20 weeks (episodes) and followed the journey of Bob and Tracey Slider and their son, Jake, 12, as they plummeted downward toward the murky, scary world of being homeless. If you would like to start at the beginning scroll DOWN to the first chapter.
The "Grippers" is being made into a novel and I hope to have it published sometime in 2013. OOPS!!! 2016 Can you believe it? That is three years already. I turned 72 yesterday. Better get my ass in gear..LOL
December 27, 2012
October 28, 2011
"Grippers" FINAL EPISODE (how to get homeless without even trying)
Final Episode: "Down & UP"
Bob had been right when he told Tracey that Greg was a "good guy". Greg, feeling partly responsible for Bob's back injury, had "forgiven" their rent payments for October, November and December. But now it was January and Greg, seriously impacted by the tough economy, was strapped for cash. He needed his rent payments from all of his tenants. Tracey, bringing home a meager $780.00 a month from her part time job, was terrified. She was actually having nightmares about being "homeless" and kept waking up soaked with sweat as she visualized Jake and herself cowering together under a bridge as rain pounded down around them as they attempted to stay dry. Bob, at that moment in time, was quite useless and Tracey felt as if she was almost alone. Having been to several Nar-Anon meetings with Judi Pavano, she had started praying. She was now praying as hard as she ever had in her entire life and was finding a certain inner peace when talking to God. Just like that one of her prayers was answered.
Tracey arrived at work and her manager called her in to the office and told her that one of the full time cashiers had abruptly quit. He offered her the full time position and, just like that, Tracey's income doubled. When she went on break she called Greg Margolese and told him what happened and then asked if he might possibly rent them a smaller house with a smaller rent payment than the one they occupied. Greg happened to have a two-bedroom, one-bath vacancy only six blocks away from where they were living and readily agreed. The rent would be $250.00 a month less.Tracey, suddenly re-enforced by her new job and Greg's cooperation gathered her inner strength and resolve, said a prayer, and went home and packed a suitcase with Bob's belongings. She placed it in front of her husband and told him, "Either you enter re-hab today or Jake and I are leaving you."
Bob Slider, possessing an inner strength he did not realize he had, was admitted to the Rosedale Wellness Center an hour later. Tracey gave him a big hug, told him that she loved him, and watched as he walked down the hall with a nurse to the elevator. She was sick to her stomach and simultaneously happy. That Sunday she and Jake went to Mass with Judi and Tommy. It was the first time that either of them had gone to any kind of church service in years.
Bob was released from re-hab 28 days later. Tracey drove him home to their new house. She had, along with help from Jake, Tommy, Judi and a few neighbors, completed the move. Bob was stunned but relieved. He began attending Narcotics Anonymous meetings three times a week, enrolled in school and a year later received a certification as an X-Ray Technician. He got a job at Memorial Hospital and remained in school to get further certifications in CT Scans and MRI's. His pain meds now consisted of only non-narcotic NSAIDS (Non-Steroidal Anti Inflammatory Drugs) like ibuprofen. The previous year's events had brought them to the very brink of homelessness. The love that flowed among them as a family had been their greatest ally shoring up their weakened defenses in their struggle to survive.. They had beaten the odds. Many do not.
On Easter Sunday, Bob, Tracey and Jake began their day at an Easter Sunrise Service. They were all dressed up and, when the service ended, they had somewhere to go.
PLEASE PRAY FOR ALL THE HOMELESS who are not as blessed as Bob, Tracey and Jake Slider.------
Bob had been right when he told Tracey that Greg was a "good guy". Greg, feeling partly responsible for Bob's back injury, had "forgiven" their rent payments for October, November and December. But now it was January and Greg, seriously impacted by the tough economy, was strapped for cash. He needed his rent payments from all of his tenants. Tracey, bringing home a meager $780.00 a month from her part time job, was terrified. She was actually having nightmares about being "homeless" and kept waking up soaked with sweat as she visualized Jake and herself cowering together under a bridge as rain pounded down around them as they attempted to stay dry. Bob, at that moment in time, was quite useless and Tracey felt as if she was almost alone. Having been to several Nar-Anon meetings with Judi Pavano, she had started praying. She was now praying as hard as she ever had in her entire life and was finding a certain inner peace when talking to God. Just like that one of her prayers was answered.
Tracey arrived at work and her manager called her in to the office and told her that one of the full time cashiers had abruptly quit. He offered her the full time position and, just like that, Tracey's income doubled. When she went on break she called Greg Margolese and told him what happened and then asked if he might possibly rent them a smaller house with a smaller rent payment than the one they occupied. Greg happened to have a two-bedroom, one-bath vacancy only six blocks away from where they were living and readily agreed. The rent would be $250.00 a month less.Tracey, suddenly re-enforced by her new job and Greg's cooperation gathered her inner strength and resolve, said a prayer, and went home and packed a suitcase with Bob's belongings. She placed it in front of her husband and told him, "Either you enter re-hab today or Jake and I are leaving you."
Bob Slider, possessing an inner strength he did not realize he had, was admitted to the Rosedale Wellness Center an hour later. Tracey gave him a big hug, told him that she loved him, and watched as he walked down the hall with a nurse to the elevator. She was sick to her stomach and simultaneously happy. That Sunday she and Jake went to Mass with Judi and Tommy. It was the first time that either of them had gone to any kind of church service in years.
Bob was released from re-hab 28 days later. Tracey drove him home to their new house. She had, along with help from Jake, Tommy, Judi and a few neighbors, completed the move. Bob was stunned but relieved. He began attending Narcotics Anonymous meetings three times a week, enrolled in school and a year later received a certification as an X-Ray Technician. He got a job at Memorial Hospital and remained in school to get further certifications in CT Scans and MRI's. His pain meds now consisted of only non-narcotic NSAIDS (Non-Steroidal Anti Inflammatory Drugs) like ibuprofen. The previous year's events had brought them to the very brink of homelessness. The love that flowed among them as a family had been their greatest ally shoring up their weakened defenses in their struggle to survive.. They had beaten the odds. Many do not.
On Easter Sunday, Bob, Tracey and Jake began their day at an Easter Sunrise Service. They were all dressed up and, when the service ended, they had somewhere to go.
PLEASE PRAY FOR ALL THE HOMELESS who are not as blessed as Bob, Tracey and Jake Slider.------
October 21, 2011
"Grippers" (how to get homeless without even trying #18)
Episode #18 "Christmas" (click on the "Grippers tab for previous episodes)
A year earlier Bob and Tracey Slider both had full-time jobs, health insurance, two vehicles, a nice house, and were bringing home over $4300.00 a month. Their success as an average American family was obvious as the twinkling lights from the Christmas tree sent out tiny flashes of color that bounced off the wrapped gifts below. There was peace and contentment in the hearts of the Slider family. Two days later, Tracey was laid off.
In February, Bob's hours were cut and on the Friday prior to Memorial Day his company, Bildot Building Supply, closed its doors and went out of business. In September, Bob hurt his back and was unable to work at all. Ignoring the warnings about the dangers of prescription pain pills and constantly seeking pain relief he began taking more meds than were prescribed and became a "prescription junkie" using the last bit of the family's monies to buy pills on the street. Then he was arrested for DUI. He wound up on probation, had to pay heavy fines and was required to do community service. Tracey, who had been hired as a part-time cashier at the local super-market, was fighting the good fight to make ends meet but the pressure to pay bills and Bob's addiction problem were pushing her to the edges of despair and resentment.The only time that Bob seemed like the "old" Bob was when he had a few pills in him and had a supply stashed somewhere. However, being an addict it never mattered how many pills he had because it would never be enough. An addict is always scheming about how to get more drugs even if their pockets are filled with them.
Christmas morning arrived and the usual joyful atmosphere that accompanied the day was absent. Jake was inside a vacuum he did not really understand. His dad had changed and his mom seemed so unhappy. Tracey did her best to make sure her boy received some gifts but it was impossible to live up to the standard of past years. Jake, whose grades had slipped and who had become somewhat withdrawn and distant, had reached inside of himself and had planned to do something special for his mom for Christmas. In addition, he had asked his folks for nothing for himself. The 12 year-old had been greatly underestimated. He pulled her aside Christmas morning and gave her a card. In it was $100.00 in cash. Jake had quietly been working after school hustling lawn jobs and cleanup jobs around the neighborhood. Tracey did not have a clue. "Mom," he said, "I'm not a baby anymore. I can see what's going on around here. This is between you and me. I don't think you should tell dad. Merry Christmas, love you."
Tracey looked at her son and just began to cry. It was the greatest Christmas gift she had ever received. She hugged her son so tight he thought he might break. It was the best feeling he had ever had.
Next Time: "Here We Go Again"
A year earlier Bob and Tracey Slider both had full-time jobs, health insurance, two vehicles, a nice house, and were bringing home over $4300.00 a month. Their success as an average American family was obvious as the twinkling lights from the Christmas tree sent out tiny flashes of color that bounced off the wrapped gifts below. There was peace and contentment in the hearts of the Slider family. Two days later, Tracey was laid off.
In February, Bob's hours were cut and on the Friday prior to Memorial Day his company, Bildot Building Supply, closed its doors and went out of business. In September, Bob hurt his back and was unable to work at all. Ignoring the warnings about the dangers of prescription pain pills and constantly seeking pain relief he began taking more meds than were prescribed and became a "prescription junkie" using the last bit of the family's monies to buy pills on the street. Then he was arrested for DUI. He wound up on probation, had to pay heavy fines and was required to do community service. Tracey, who had been hired as a part-time cashier at the local super-market, was fighting the good fight to make ends meet but the pressure to pay bills and Bob's addiction problem were pushing her to the edges of despair and resentment.The only time that Bob seemed like the "old" Bob was when he had a few pills in him and had a supply stashed somewhere. However, being an addict it never mattered how many pills he had because it would never be enough. An addict is always scheming about how to get more drugs even if their pockets are filled with them.
Christmas morning arrived and the usual joyful atmosphere that accompanied the day was absent. Jake was inside a vacuum he did not really understand. His dad had changed and his mom seemed so unhappy. Tracey did her best to make sure her boy received some gifts but it was impossible to live up to the standard of past years. Jake, whose grades had slipped and who had become somewhat withdrawn and distant, had reached inside of himself and had planned to do something special for his mom for Christmas. In addition, he had asked his folks for nothing for himself. The 12 year-old had been greatly underestimated. He pulled her aside Christmas morning and gave her a card. In it was $100.00 in cash. Jake had quietly been working after school hustling lawn jobs and cleanup jobs around the neighborhood. Tracey did not have a clue. "Mom," he said, "I'm not a baby anymore. I can see what's going on around here. This is between you and me. I don't think you should tell dad. Merry Christmas, love you."
Tracey looked at her son and just began to cry. It was the greatest Christmas gift she had ever received. She hugged her son so tight he thought he might break. It was the best feeling he had ever had.
Next Time: "Here We Go Again"
October 14, 2011
"Grippers" (how to get homeless without even trying #17)
Episode #17 "Here comes Christmas" (Click on "the "Grippers tab for previous episodes)
It was almost noon and Bob was just sitting in the lounge chair, feet up, heating pad on his lower back and eyes closed. Tracey had come to a point where she did not believe his condition was nearly as serious as he kept saying it was. He had been to physical therapy twice a week for three months and she was acutely aware of how often he would move around normally. She knew what she saw and Bob's actions and behavior had numbed her into cynicism. The truth was, Bob's back was definitely better but far from healed. The slightest wrong move could cause excruciating pain and when he tried to get up in the morning it might take him ten or fifteen minutes just to straighten up. However, his pill usage, constant complaining, the lack of money and daily pressure, topped off by his cleaning out the checking account to buy "street drugs" had Tracey desensitized.
"Bob, what about the Christmas lights?"
"Huh, oh, what about them."
""You always put them up on the Saturday after Thanksgiving, that's what."
"I can't today, Tracey. Maybe tomorrow. My back is killing me."
Jake came out from his room. "Hey, ain't we putting the lights up today?"
"Not today, Jake. Dad's not feeling good. Maybe tomorrow."
Jake mumbled, "He's never feeling good anymore. Whatever."
"What did you say to me, Jake?"
"Nothing. I didn't say nothing."
"Yeah, well, just don't get smart with me. I'm not in the mood for any of your 12 year-old nonsense. I just hope that you never have to go through what I'm going through. You don't have a clue, so be quiet."
That brief encounter more or less set the mood that would embrace the family on its four-week trek toward Christmas Day. It was different this year---very, very different. Unemployment, disability, lack of money, overdue bills and Bob's addiction joined forces to create a constant, unending anxiety that was slowly but surely tearing the family apart.
Next Time: Christmas Day
It was almost noon and Bob was just sitting in the lounge chair, feet up, heating pad on his lower back and eyes closed. Tracey had come to a point where she did not believe his condition was nearly as serious as he kept saying it was. He had been to physical therapy twice a week for three months and she was acutely aware of how often he would move around normally. She knew what she saw and Bob's actions and behavior had numbed her into cynicism. The truth was, Bob's back was definitely better but far from healed. The slightest wrong move could cause excruciating pain and when he tried to get up in the morning it might take him ten or fifteen minutes just to straighten up. However, his pill usage, constant complaining, the lack of money and daily pressure, topped off by his cleaning out the checking account to buy "street drugs" had Tracey desensitized.
"Bob, what about the Christmas lights?"
"Huh, oh, what about them."
""You always put them up on the Saturday after Thanksgiving, that's what."
"I can't today, Tracey. Maybe tomorrow. My back is killing me."
Jake came out from his room. "Hey, ain't we putting the lights up today?"
"Not today, Jake. Dad's not feeling good. Maybe tomorrow."
Jake mumbled, "He's never feeling good anymore. Whatever."
"What did you say to me, Jake?"
"Nothing. I didn't say nothing."
"Yeah, well, just don't get smart with me. I'm not in the mood for any of your 12 year-old nonsense. I just hope that you never have to go through what I'm going through. You don't have a clue, so be quiet."
That brief encounter more or less set the mood that would embrace the family on its four-week trek toward Christmas Day. It was different this year---very, very different. Unemployment, disability, lack of money, overdue bills and Bob's addiction joined forces to create a constant, unending anxiety that was slowly but surely tearing the family apart.
Next Time: Christmas Day
October 7, 2011
'Grippers" (how to get homeless without even trying #16)
Episode #16 "Thanksgiving" (click on the "Grippers" tab for previous 15 episodes)
Tracey was standing in her own living room feeling completely lost and helpless. She had managed their meager finances with painstaking care and just like that there was no money, no food and she could not follow through on making her agreed payment with the power company. Embraced by a sense of despair she instinctively hurried over to Judi Parano's.
Judi hugged her and said, "C'mon Trace, I'll make some coffee and we can sit down and talk."
Judi quickly became Tracey's navigator and began guiding her friend and neighbor on a straighter course. The first thing she did was reach into her purse and pull out $80.00 and hand it to Tracey. "Here, put this in your pocket and don't tell Bob you have it."
Tracey tried to say something and Judi said, "Don't worry about it. You don't have to say anything. Now, I want you to call the St. Vincent De Paul Society---"
"Oh no, Judi. I can't. They just helped us about two or three months ago. I'd feel so embarrassed asking again. I don't think I can."
"You can. I'll stand right next to you for moral support. Now, I have this pamphlet I want to give you. I know you have not said too much about Bob's pill problem but I know he has one and he will need help with that. But you need help dealing with it. This is a schedule of Nar-Anon meetings in the area."
"What's Nar-Anon?"
"It's like Al-Anon which is for families and friends of alcoholics. Nar-Anon is for families and friends of people hooked on drugs. Tracey---I've been there. My brother Anthony is a user. He was tearing the family apart."
"Anthony? The computer guy with the great job. I had no idea--"
"Tracey, he USED to have a great job. He was fired for missing so much work and he blames everyone else and, oh my God, we don't even know where he is. Haven't seen or heard from him in two months. I'm sick over it but I have learned that I cannot do a thing about it. We're here for him if he decides he wants REAL help. But, in the meantime-----Anyway, you need these meetings. Trust me, there are so many people out there with family members that have gotten caught up in this prescription pill insanity you wouldn't believe it. You need to remember that Bob Slider, your husband, is still the man he was. That person has been taken over by an evil entity that has transformed him. The real Bob will be back. He just needs you and Jake to be there when he begins his journey home. Understand?"
Ron and Jan from St. Vincent De Paul came out again. Once again they were able to assist with the power bill. They also included Tracey in their "Thanksgiving Giveaway Program" and, on the Sunday before Thanksgiving, Tracey went over to Sacred Heart Catholic Church and was given a holiday "basket" which included a frozen turkey and all the "fixins" including dessert for Thanksgiving day.
Thanksgiving turned out to be a good day in the Slider home. Bob had his "medication" and was acting normal. He and Jake were watching football together and joking around with each other. Tracey, temporarily upbeat and enjoying the moment, happily prepared the meal. On this Thanksgiving day they all had something to be thankful for.
Next time: Here Comes Christmas
Tracey was standing in her own living room feeling completely lost and helpless. She had managed their meager finances with painstaking care and just like that there was no money, no food and she could not follow through on making her agreed payment with the power company. Embraced by a sense of despair she instinctively hurried over to Judi Parano's.
Judi hugged her and said, "C'mon Trace, I'll make some coffee and we can sit down and talk."
Judi quickly became Tracey's navigator and began guiding her friend and neighbor on a straighter course. The first thing she did was reach into her purse and pull out $80.00 and hand it to Tracey. "Here, put this in your pocket and don't tell Bob you have it."
Tracey tried to say something and Judi said, "Don't worry about it. You don't have to say anything. Now, I want you to call the St. Vincent De Paul Society---"
"Oh no, Judi. I can't. They just helped us about two or three months ago. I'd feel so embarrassed asking again. I don't think I can."
"You can. I'll stand right next to you for moral support. Now, I have this pamphlet I want to give you. I know you have not said too much about Bob's pill problem but I know he has one and he will need help with that. But you need help dealing with it. This is a schedule of Nar-Anon meetings in the area."
"What's Nar-Anon?"
"It's like Al-Anon which is for families and friends of alcoholics. Nar-Anon is for families and friends of people hooked on drugs. Tracey---I've been there. My brother Anthony is a user. He was tearing the family apart."
"Anthony? The computer guy with the great job. I had no idea--"
"Tracey, he USED to have a great job. He was fired for missing so much work and he blames everyone else and, oh my God, we don't even know where he is. Haven't seen or heard from him in two months. I'm sick over it but I have learned that I cannot do a thing about it. We're here for him if he decides he wants REAL help. But, in the meantime-----Anyway, you need these meetings. Trust me, there are so many people out there with family members that have gotten caught up in this prescription pill insanity you wouldn't believe it. You need to remember that Bob Slider, your husband, is still the man he was. That person has been taken over by an evil entity that has transformed him. The real Bob will be back. He just needs you and Jake to be there when he begins his journey home. Understand?"
Ron and Jan from St. Vincent De Paul came out again. Once again they were able to assist with the power bill. They also included Tracey in their "Thanksgiving Giveaway Program" and, on the Sunday before Thanksgiving, Tracey went over to Sacred Heart Catholic Church and was given a holiday "basket" which included a frozen turkey and all the "fixins" including dessert for Thanksgiving day.
Thanksgiving turned out to be a good day in the Slider home. Bob had his "medication" and was acting normal. He and Jake were watching football together and joking around with each other. Tracey, temporarily upbeat and enjoying the moment, happily prepared the meal. On this Thanksgiving day they all had something to be thankful for.
Next time: Here Comes Christmas
September 30, 2011
"Grippers" (how to get homeless without even trying #15)
Episode #15: "Here come the Holidays" (click on the "Grippers" tab for previous 14 episodes)
Tracey Slider was frazzled and had reached stress levels she had never before encountered. She was not smiling, she was abrupt with Jake, she could not sit still for more than ten minutes at a time, she was not sleeping well and a sense of impending disaster monopolized her thoughts. She was doing her best to manage every penny she was earning but there are no finish lines when you are riding on a merry-go-round.
It was November 12, less than two weeks until Thanksgiving. Tracey had worked her six hour shift and, upon clocking out, started to do shopping for the family. She knew to the penny how much was in their checking account, $143.00. She filled the cart with about $60.00 worth of grocery items including two cans of cranberry sauce, two cans of corn and two cans of sweet potatoes which would be used for Thanksgiving. There would be $83.00 left and $75.00 would go to the electric company as per her arrangement with them. There was enough gas in the truck to get them through payday which was four days away. She was proud of herself and deserved to be. She was like a car running on fumes and now the gas station was in sight.
Tracey unloaded her items onto the checkout counter and watched as her friend, Helen, scanned the items. They were chatting about nothing important when Helen said, "Okay, Trace, that comes to $60.28."
Tracey smiled, "I can't believe it. I wanted to spend $60.00 and I went 28 cents over. Not bad." She swiped her debit card and keyed in her pin number. A message popped up, Insufficient Funds. Tracey was startled and smiled at Helen. She swiped her card again. Insufficient Funds. She looked at Helen, "I don't understand." She tried again. Insufficient Funds.
Customers were lined up in back of her. She was wearing the store's company uniform. It is a fact that humiliation can embrace a person in a nano-second. Tracey instantly wanted to be somewhere else. She fought the panic rising within her and garnered some composure. She took a deep breath through her nose, exhaled and said, "Okay Helen, I'll just leave the stuff over here. I'll be back in 15 minutes."
She left the store, got into Bob's truck and began to tremble. Taking a few more deep breaths she wiped her teary eyes and headed home. All she could think was, It has to be a mistake, it has to be a mistake. How could they do this. She hurried into the house and right past Bob who was sleeping on the sofa. Sitting down at the computer she logged into her on-line banking site. The screen opened, she keyed in her password and stared at the screen. Balance--negative $89.00. Transactions--there had been two. Friday afternoon a $100.00 cash withdrawal had been made and another one for $60.00. Then there were two bank charges of $36.00 each, one for "insufficient funds" and one for an "over limit" fee. She stared and stared. She thought ---I don't understand--I didn't---Oh my God----She jumped up from the chair and rushed into the living room yelling, "Bob, Bob, wake up! Wake up!"
He remained still and quiet on the sofa. She started yelling at him and pushing his shoulder, "Bob, wake up right now. C'mon, wake up!"
Her groggy husband opened his eyes. "Huh---what? I'm sleeping. Leave me alone. What's your problem anyway?"
"Did you take money from the ATM yesterday?"
"Huh---the ATM. No--I don't think so. What's the difference anyway?"
""Oh my God, Bob, you did--didn't you."
"Fine Tracey, I did. So what. I needed some medicine and I can't get any until next week. So yeah, I took some money. I suppose I should just lie around here in pain. Now leave me alone."
"Oh my God, Bob. You're buying drugs. You're buying drugs.You took our food money and our money for the power bill and bought drugs from someone. Your stupid two withdrawals overlapped and you caused us to be minus $89.00 in our account. How in God's name could you do this to me and Jake. How could you?"
Bob was pretty well stoned so he shrugged, rolled over on his side and went back to sleep. Tracey looked down at him and at the moment all she could feel for her husband was contempt.
Next time: "Thanksgiving"
Tracey Slider was frazzled and had reached stress levels she had never before encountered. She was not smiling, she was abrupt with Jake, she could not sit still for more than ten minutes at a time, she was not sleeping well and a sense of impending disaster monopolized her thoughts. She was doing her best to manage every penny she was earning but there are no finish lines when you are riding on a merry-go-round.
It was November 12, less than two weeks until Thanksgiving. Tracey had worked her six hour shift and, upon clocking out, started to do shopping for the family. She knew to the penny how much was in their checking account, $143.00. She filled the cart with about $60.00 worth of grocery items including two cans of cranberry sauce, two cans of corn and two cans of sweet potatoes which would be used for Thanksgiving. There would be $83.00 left and $75.00 would go to the electric company as per her arrangement with them. There was enough gas in the truck to get them through payday which was four days away. She was proud of herself and deserved to be. She was like a car running on fumes and now the gas station was in sight.
Tracey unloaded her items onto the checkout counter and watched as her friend, Helen, scanned the items. They were chatting about nothing important when Helen said, "Okay, Trace, that comes to $60.28."
Tracey smiled, "I can't believe it. I wanted to spend $60.00 and I went 28 cents over. Not bad." She swiped her debit card and keyed in her pin number. A message popped up, Insufficient Funds. Tracey was startled and smiled at Helen. She swiped her card again. Insufficient Funds. She looked at Helen, "I don't understand." She tried again. Insufficient Funds.
Customers were lined up in back of her. She was wearing the store's company uniform. It is a fact that humiliation can embrace a person in a nano-second. Tracey instantly wanted to be somewhere else. She fought the panic rising within her and garnered some composure. She took a deep breath through her nose, exhaled and said, "Okay Helen, I'll just leave the stuff over here. I'll be back in 15 minutes."
She left the store, got into Bob's truck and began to tremble. Taking a few more deep breaths she wiped her teary eyes and headed home. All she could think was, It has to be a mistake, it has to be a mistake. How could they do this. She hurried into the house and right past Bob who was sleeping on the sofa. Sitting down at the computer she logged into her on-line banking site. The screen opened, she keyed in her password and stared at the screen. Balance--negative $89.00. Transactions--there had been two. Friday afternoon a $100.00 cash withdrawal had been made and another one for $60.00. Then there were two bank charges of $36.00 each, one for "insufficient funds" and one for an "over limit" fee. She stared and stared. She thought ---I don't understand--I didn't---Oh my God----She jumped up from the chair and rushed into the living room yelling, "Bob, Bob, wake up! Wake up!"
He remained still and quiet on the sofa. She started yelling at him and pushing his shoulder, "Bob, wake up right now. C'mon, wake up!"
Her groggy husband opened his eyes. "Huh---what? I'm sleeping. Leave me alone. What's your problem anyway?"
"Did you take money from the ATM yesterday?"
"Huh---the ATM. No--I don't think so. What's the difference anyway?"
""Oh my God, Bob, you did--didn't you."
"Fine Tracey, I did. So what. I needed some medicine and I can't get any until next week. So yeah, I took some money. I suppose I should just lie around here in pain. Now leave me alone."
"Oh my God, Bob. You're buying drugs. You're buying drugs.You took our food money and our money for the power bill and bought drugs from someone. Your stupid two withdrawals overlapped and you caused us to be minus $89.00 in our account. How in God's name could you do this to me and Jake. How could you?"
Bob was pretty well stoned so he shrugged, rolled over on his side and went back to sleep. Tracey looked down at him and at the moment all she could feel for her husband was contempt.
Next time: "Thanksgiving"
September 23, 2011
"Grippers" (how to get homeless without even trying #14)
Episode #14: "Living with Consequences"(click on the "Grippers" tab for previous 13 episodes)
From the Webster Dictionary: Con' se-quence, n.---that which follows as the result of some preceding act, cause, etc.
For the Slider family the act was Bob's driving into the side of a new Toyota as he parked his truck. The cause was his having taken too many prescription pain pills that had severely dulled his senses. Did this just affect Bob? Not quite. Consequences oftentimes have this insidious ability to give birth to tentacles that reach out and wrap themselves around others in an unexpected and seemingly inescapable grip, clutching so tightly that the person(s) trapped have no idea how to break free. It also follows that the first people these tentacles reach out for are those closest to the person who had activated the whole process, in this case Tracey and Jake.
Having one vehicle had been sufficient for Tracey to get back and forth to her part time job, for Bob to go back and forth for doctor visits and his 3x a week physical therapy treatments plus, get Jake to his after school activities, winter baseball practices and weekend games. Now it was all on Tracey. She had to somehow get her husband and her son to where they were supposed to be and still be at work. It was a daunting, almost impossible task. The consequences of Bob's Halloween "fender-bender" included his having to put in three hours a week of community service (which he was able to do at the St. Vincent De Paul Thrift Store) sorting and separating donated clothing. He needed 50 hours so this was, at best, a 17 week commitment. He also had to go to DUI class, the "Law & Substance Abuse Program", get to physical therapy and, of course, report to his parole officer once a week. .
Tracey managed, after some serious pleading, to get her manager to let her begin working from 6:a.m to 11: a.m. Thursday through Sunday. This gave her Monday through Wednesday to schedule Bob's probation requirements and PT appointments. It was, to say the least, a tenuous arrangement. Bob had to be somewhere at least four times a week. Since his dad's appointments were "absolutely necessary" to keep, Jake was forced to quit playing winter baseball. There was no way Tracey could get him back and forth to practices and games, get her husband to his various appointments, get to work, run errands, and do all of the other things that take place outside of the home.
Jake took this very hard. He tried to understand but he didn't. Baseball meant so much to him. It ain't fair. How could they let this happen. It ain't fair. It really was not the baseball. After all, it was only winter-ball, sort of an instuctional league where the kids prepared for the regular season. It was just the catalyst that drove the boy's feelings to the surface and these feelings began to exhibit themselves through a sullenness, a drop in grades and, in a few instances, by playing "hooky".
Tracey, like her son, was slowly developing an unwanted bitterness towards her husband, the man she had truly loved since high school. She had the inner strength to deal with all the adversity, confusion, tension, financial chaos, and the mountain of uncertainty that had entered her life over the past year. What was seeping into her psyche was that Bob had turned himself into a "victim" and had climbed upon a train called the "Pity Party Express". This journey that he had embarked upon was like a slowly moving knife, cutting deeper and deeper into his wife. Bob had no idea and could not see past himself or his need for "medication".
Next time: "Here come the Holidays"I
From the Webster Dictionary: Con' se-quence, n.---that which follows as the result of some preceding act, cause, etc.
For the Slider family the act was Bob's driving into the side of a new Toyota as he parked his truck. The cause was his having taken too many prescription pain pills that had severely dulled his senses. Did this just affect Bob? Not quite. Consequences oftentimes have this insidious ability to give birth to tentacles that reach out and wrap themselves around others in an unexpected and seemingly inescapable grip, clutching so tightly that the person(s) trapped have no idea how to break free. It also follows that the first people these tentacles reach out for are those closest to the person who had activated the whole process, in this case Tracey and Jake.
Having one vehicle had been sufficient for Tracey to get back and forth to her part time job, for Bob to go back and forth for doctor visits and his 3x a week physical therapy treatments plus, get Jake to his after school activities, winter baseball practices and weekend games. Now it was all on Tracey. She had to somehow get her husband and her son to where they were supposed to be and still be at work. It was a daunting, almost impossible task. The consequences of Bob's Halloween "fender-bender" included his having to put in three hours a week of community service (which he was able to do at the St. Vincent De Paul Thrift Store) sorting and separating donated clothing. He needed 50 hours so this was, at best, a 17 week commitment. He also had to go to DUI class, the "Law & Substance Abuse Program", get to physical therapy and, of course, report to his parole officer once a week. .
Tracey managed, after some serious pleading, to get her manager to let her begin working from 6:a.m to 11: a.m. Thursday through Sunday. This gave her Monday through Wednesday to schedule Bob's probation requirements and PT appointments. It was, to say the least, a tenuous arrangement. Bob had to be somewhere at least four times a week. Since his dad's appointments were "absolutely necessary" to keep, Jake was forced to quit playing winter baseball. There was no way Tracey could get him back and forth to practices and games, get her husband to his various appointments, get to work, run errands, and do all of the other things that take place outside of the home.
Jake took this very hard. He tried to understand but he didn't. Baseball meant so much to him. It ain't fair. How could they let this happen. It ain't fair. It really was not the baseball. After all, it was only winter-ball, sort of an instuctional league where the kids prepared for the regular season. It was just the catalyst that drove the boy's feelings to the surface and these feelings began to exhibit themselves through a sullenness, a drop in grades and, in a few instances, by playing "hooky".
Tracey, like her son, was slowly developing an unwanted bitterness towards her husband, the man she had truly loved since high school. She had the inner strength to deal with all the adversity, confusion, tension, financial chaos, and the mountain of uncertainty that had entered her life over the past year. What was seeping into her psyche was that Bob had turned himself into a "victim" and had climbed upon a train called the "Pity Party Express". This journey that he had embarked upon was like a slowly moving knife, cutting deeper and deeper into his wife. Bob had no idea and could not see past himself or his need for "medication".
Next time: "Here come the Holidays"I
September 17, 2011
"Grippers" (how to get homeless without even trying #13)
(click on the "grippers" tab and scroll down for the previous 12 episodes)
Content review:
1) Intro: "Homelessness and the Grippers"
2) Episode #1: "Meet the Slider family"
3) Episode #2: "Bob Slider is laid off"
4) Episode #3: "Confronting finances over beer & pizza"
5) Episode #4: "Meeting with the landlord"
6) Episode #5: "Running out of money"
7) Episode #6: "Out of money"
8) Episode #7: "Lights out"
9) Episode #8: "Here come the church people"
10) Episode #9:"The Home Visit"
11) Episode #10"Good news & Bad News"
12) Episode #11"What about Jake?"
13) Episode #12"Trick or Treat"
Episode #13: "Getting out of jail--Now what?"
Bob Slider, husband, father, hardworking family man and solid citizen had gone through an unwanted and unexpected metamorphosis. Reborn into a strange world of unemployment, disability and prescription drug addiction, he now found himself being processed into the county jail. After enduring the indifferent, matter-of-fact fingerprinting, mug-shot taking and humiliating strip search, he was placed in a holding cell with a bunch of other guys. Some were laughing, some were crying, some were trembling and some appeared to not give a damn. One thing was the same--they all were wearing freshly laundered orange jump suits with bold, black letters emblazened on the back that said, COUNTY JAIL. As for Bob, his back pain was raging, he was feeling frightened, lost, victimized, misunderstood and strangely, all he could think of was one thing, I need my pills.
Bob, because he had never been in any kind of trouble before, was released at 10 a.m. the following morning on ROR (on his own recognizance). Judi Pavano had to drive Tracey to the jail to pick Bob up because his license had been temporarily suspended and his truck impounded. Judi waited in the car while Tracey met Bob at the jail exit.When he saw his wife he began to cry. She could not believe how pathetic he looked. She, too, began to cry. They hugged each other for several moments and then Bob took a breath and asked Tracey, "You got my pills?"
"Uh---no Bob, I don't. C'mon, let's get you home."
"I need the pills Tracey. I can't believe you didn't bring them. I'm so sick. You don't understand, I need my medicine."
She was a bit stunned that his primary concern was his pills and it was this moment that impacted her with the reality of his addiction "Okay, okay. We'll be home in 15 minutes. Just hold on."
Bob's blood work and urine sample showed that he had more oxycodone and xanax in his system than had been prescribed. His license was officially suspended for six months and he was fined $250.00, the minimum allowed under the law. He also was sentenced to complete a "Law and Substance Abuse" program and received one year probation which also included doing 50 hours of community service. Since his truck was the family's only means of transportation it was released from impound for Tracey to use. Being caught up in the criminal justice system was a miserable, unpredictable and downright scary place to be. Factor in two extremely painful, herniated lumbar discs that almost prevented him from standing up straight and having no money pushed Bob Slider into a deep pit of despair. He was pulling Tracey and Jake with him but Tracey had an unknown inner strength and resolve inside herself that would enable her to pull back and fight the forces working against them.
Next time: Episode #14: "Living with Consequences"
Content review:
1) Intro: "Homelessness and the Grippers"
2) Episode #1: "Meet the Slider family"
3) Episode #2: "Bob Slider is laid off"
4) Episode #3: "Confronting finances over beer & pizza"
5) Episode #4: "Meeting with the landlord"
6) Episode #5: "Running out of money"
7) Episode #6: "Out of money"
8) Episode #7: "Lights out"
9) Episode #8: "Here come the church people"
10) Episode #9:"The Home Visit"
11) Episode #10"Good news & Bad News"
12) Episode #11"What about Jake?"
13) Episode #12"Trick or Treat"
Episode #13: "Getting out of jail--Now what?"
Bob Slider, husband, father, hardworking family man and solid citizen had gone through an unwanted and unexpected metamorphosis. Reborn into a strange world of unemployment, disability and prescription drug addiction, he now found himself being processed into the county jail. After enduring the indifferent, matter-of-fact fingerprinting, mug-shot taking and humiliating strip search, he was placed in a holding cell with a bunch of other guys. Some were laughing, some were crying, some were trembling and some appeared to not give a damn. One thing was the same--they all were wearing freshly laundered orange jump suits with bold, black letters emblazened on the back that said, COUNTY JAIL. As for Bob, his back pain was raging, he was feeling frightened, lost, victimized, misunderstood and strangely, all he could think of was one thing, I need my pills.
Bob, because he had never been in any kind of trouble before, was released at 10 a.m. the following morning on ROR (on his own recognizance). Judi Pavano had to drive Tracey to the jail to pick Bob up because his license had been temporarily suspended and his truck impounded. Judi waited in the car while Tracey met Bob at the jail exit.When he saw his wife he began to cry. She could not believe how pathetic he looked. She, too, began to cry. They hugged each other for several moments and then Bob took a breath and asked Tracey, "You got my pills?"
"Uh---no Bob, I don't. C'mon, let's get you home."
"I need the pills Tracey. I can't believe you didn't bring them. I'm so sick. You don't understand, I need my medicine."
She was a bit stunned that his primary concern was his pills and it was this moment that impacted her with the reality of his addiction "Okay, okay. We'll be home in 15 minutes. Just hold on."
Bob's blood work and urine sample showed that he had more oxycodone and xanax in his system than had been prescribed. His license was officially suspended for six months and he was fined $250.00, the minimum allowed under the law. He also was sentenced to complete a "Law and Substance Abuse" program and received one year probation which also included doing 50 hours of community service. Since his truck was the family's only means of transportation it was released from impound for Tracey to use. Being caught up in the criminal justice system was a miserable, unpredictable and downright scary place to be. Factor in two extremely painful, herniated lumbar discs that almost prevented him from standing up straight and having no money pushed Bob Slider into a deep pit of despair. He was pulling Tracey and Jake with him but Tracey had an unknown inner strength and resolve inside herself that would enable her to pull back and fight the forces working against them.
Next time: Episode #14: "Living with Consequences"
September 10, 2011
"Grippers" (how to get homeless without even trying #12)
Episode # 12 "Trick or Treat" (click on the "grippers" tab and scroll down for the previous 11 episodes)
Summer and the balance of September were gone and October had taken the time baton and charged forward. It was Halloween and the Sliders were now full fledged "Grippers" financially drowning and just barely "treading water" as they tried to avoid being sucked under and lost in the abyss of abject poverty. They had been tossed one lifeline which Tracey grabbed onto. Through her friend Judi's recommendation she had been hired as a part-time cashier at the local supermarket. She was working 20 hours a week and being paid $12.00 an hour. Her first bi-monthly paycheck had come in and she had received $390.00. At $780.00 a month they were now $256.00 a month better off than when receiving unemployment. The extra good news was that the possibility of being promoted to full-time was very real.
Bob, unable to collect unemployment, was moving around very slowly because of his injured back. He had qualified for medicaid through the Department of Children & Families and he was going to physical therapy three times a week. He was also taking oxycodone pills three times a day and had been prescribed xanax to help him "relax" . It had taken less than two months for him to become addicted to these pills. The once happy-go-lucky, vibrant, hard working husband and father had turned sullen and quiet and was absorbed in his own personal "pity party" telling his wife, "You just don't understand. You have no idea how much pain I'm in." He was wrong. She understood much more than he thought she did. She realized the pills had changed him dramatically and that all he seemed to be concerned about was having enough of them.
It was 8 p.m. on Halloween. Tracey was next door at Judi's and they had been greeting all the little "trick or treaters" since six o'clock. The onslaught of monsters and ghouls and super-heroes and various other creatures was almost down to a trickle so they went inside to have some coffee and chat. Tracey thought she heard Bob's truck start and hurried to Judi's front door. She was just in time to see his truck going down the street. Wonder where he's going, she thought. Hope he's all right.
He wasn't all right. Having taken too many xanax along with his oxycodone had caused him to "fall asleep" as he pulled into the convenience store a half mile from the house. He proceeded to unceremoniously smash into the side of a new Toyota Corolla. By 9:30 Bob was in handcuffs and on his way to jail. Charges were DUI with property damage. Tracey would not hear from him until 11:30. By then she was frantic about where he might be. When she heard her husband tell her that he needed to be bailed out of jail her mind went momentarily blank and she almost fainted. Fortunately, Judi and Tommy were both there. Judi, standing next to Tracey, quickly put her arm around her and helped her to sit down. She took the phone and began to gather the information from a nervous voiced Bob. Tommy quickly sat next to Jake who had started to cry. More dark days were ahead.
Next time: Episode # 13 "Now what?"
Summer and the balance of September were gone and October had taken the time baton and charged forward. It was Halloween and the Sliders were now full fledged "Grippers" financially drowning and just barely "treading water" as they tried to avoid being sucked under and lost in the abyss of abject poverty. They had been tossed one lifeline which Tracey grabbed onto. Through her friend Judi's recommendation she had been hired as a part-time cashier at the local supermarket. She was working 20 hours a week and being paid $12.00 an hour. Her first bi-monthly paycheck had come in and she had received $390.00. At $780.00 a month they were now $256.00 a month better off than when receiving unemployment. The extra good news was that the possibility of being promoted to full-time was very real.
Bob, unable to collect unemployment, was moving around very slowly because of his injured back. He had qualified for medicaid through the Department of Children & Families and he was going to physical therapy three times a week. He was also taking oxycodone pills three times a day and had been prescribed xanax to help him "relax" . It had taken less than two months for him to become addicted to these pills. The once happy-go-lucky, vibrant, hard working husband and father had turned sullen and quiet and was absorbed in his own personal "pity party" telling his wife, "You just don't understand. You have no idea how much pain I'm in." He was wrong. She understood much more than he thought she did. She realized the pills had changed him dramatically and that all he seemed to be concerned about was having enough of them.
It was 8 p.m. on Halloween. Tracey was next door at Judi's and they had been greeting all the little "trick or treaters" since six o'clock. The onslaught of monsters and ghouls and super-heroes and various other creatures was almost down to a trickle so they went inside to have some coffee and chat. Tracey thought she heard Bob's truck start and hurried to Judi's front door. She was just in time to see his truck going down the street. Wonder where he's going, she thought. Hope he's all right.
He wasn't all right. Having taken too many xanax along with his oxycodone had caused him to "fall asleep" as he pulled into the convenience store a half mile from the house. He proceeded to unceremoniously smash into the side of a new Toyota Corolla. By 9:30 Bob was in handcuffs and on his way to jail. Charges were DUI with property damage. Tracey would not hear from him until 11:30. By then she was frantic about where he might be. When she heard her husband tell her that he needed to be bailed out of jail her mind went momentarily blank and she almost fainted. Fortunately, Judi and Tommy were both there. Judi, standing next to Tracey, quickly put her arm around her and helped her to sit down. She took the phone and began to gather the information from a nervous voiced Bob. Tommy quickly sat next to Jake who had started to cry. More dark days were ahead.
Next time: Episode # 13 "Now what?"
September 2, 2011
"Grippers" (how to get homeless without even trying # 11)
Episode # 11 What about Jake (click on the "grippers" tab and scroll down for the previous 10 episodes)
Lest we forget 12 year old Jake. What has been going on with him through all of this?
Jake, an only child, (he did not know that he had a sister that had been still-born two years before he had been born) had been the "shining star" in the lives of his parents. However, he had not been overindulged. His parents assigned him certain chores that were his ongoing responsibility and they checked his homework every night. He received a bi-monthly allowance and if he had not completed his assigned chores part of his allowance was withheld. He was being taught that there are consequences to what you do and do not do, an extremely important lesson for the character development of any child.
Bob, a blue-collar, fix-it type of guy, had Jake by his side anytime there were house or car repairs to do. Jake knew all about hand tools and power tools, could change the oil in the car, pull the spark plugs, maintain the lawn mower, mix concrete, and had, under his dad's watchful eye, replaced the broken belt in the electric dryer. Bob had Jake out in the back yard at four years old teaching him how to throw, catch and hit a ball and Jake had been in Little League since he was six. Jake loved his parents deeply and his dad was his hero.
Bob and Tracey had decided to be honest with their son about the family situation. They did their best to explain the unemployment situation, why they had sold mom's car and the two TV's (they still had the big TV in the living room) and why new clothes and shoes for the beginning of 7th grade were going to have to be put "on-hold". Jake understood it all the best he could and was happy that his parents had trusted him with this "grown-up" information and had confided in him. What he did not understand were the changes in his parent's moods, their new abruptness, their ongoing pre-occupation with things inside themselves and the sudden lack of laughter as the joking around and good natured teasing that used to seem to always fill the air was mysteriously absent. Bob had no idea the effect his new found cranky quietness was having on his boy.
Bob had always taken good care of his family and was proud of it. But his ego had taken a hit when he was laid off even though it was not his fault. Suddenly, not having the necessary monies available for paying bills and taking care of other things was new found territory he was traveling in. He could not turn around and go back to where he had been and this provided another heavy shot to his ego. The two roofing jobs and work for his landlord gave his ego a temporary reprieve. It had felt good to be sweating again. Then came the back injury. Making things more stressful than they had been was the fact that he had been cut from unemployment because his injury had caused him to be temporarily unable to work. He had been humiliated once again when he was forced to apply to the Department of Children & Families for emergency medical assistance (only poor people get medicaid) and that application was still pending. The fact that he had applied enabled him to get some medical help contingent on the application being approved. It also allowed him to acquire his new monthly prescription of 90 oxycodone pills for "pain management". Quickly and unexpectedly those pills were becoming his "new best friend". He was supposed to take three a day. A few times he took four. The problem with that was a person would run out of their "meds" prior to the renewal date and with strict rules in place about prescription renewals, especially on "controlled substances", being out of an addictive medication two or three days before it could be refilled could present quite the dilemma for the patient. The fiend called withdrawal would rear it ugly head.
Jake, bewildered at his father's behavior, did not and could not understand. He began to withdraw into himself, his grades began to slip and he was suddenly feeling insecure and unhappy. Tracey was beginning to notice the changes in her boy. As for Bob, he did not have a clue.
Next time: Episode #12 "Trick or Treat"
Lest we forget 12 year old Jake. What has been going on with him through all of this?
Jake, an only child, (he did not know that he had a sister that had been still-born two years before he had been born) had been the "shining star" in the lives of his parents. However, he had not been overindulged. His parents assigned him certain chores that were his ongoing responsibility and they checked his homework every night. He received a bi-monthly allowance and if he had not completed his assigned chores part of his allowance was withheld. He was being taught that there are consequences to what you do and do not do, an extremely important lesson for the character development of any child.
Bob, a blue-collar, fix-it type of guy, had Jake by his side anytime there were house or car repairs to do. Jake knew all about hand tools and power tools, could change the oil in the car, pull the spark plugs, maintain the lawn mower, mix concrete, and had, under his dad's watchful eye, replaced the broken belt in the electric dryer. Bob had Jake out in the back yard at four years old teaching him how to throw, catch and hit a ball and Jake had been in Little League since he was six. Jake loved his parents deeply and his dad was his hero.
Bob and Tracey had decided to be honest with their son about the family situation. They did their best to explain the unemployment situation, why they had sold mom's car and the two TV's (they still had the big TV in the living room) and why new clothes and shoes for the beginning of 7th grade were going to have to be put "on-hold". Jake understood it all the best he could and was happy that his parents had trusted him with this "grown-up" information and had confided in him. What he did not understand were the changes in his parent's moods, their new abruptness, their ongoing pre-occupation with things inside themselves and the sudden lack of laughter as the joking around and good natured teasing that used to seem to always fill the air was mysteriously absent. Bob had no idea the effect his new found cranky quietness was having on his boy.
Bob had always taken good care of his family and was proud of it. But his ego had taken a hit when he was laid off even though it was not his fault. Suddenly, not having the necessary monies available for paying bills and taking care of other things was new found territory he was traveling in. He could not turn around and go back to where he had been and this provided another heavy shot to his ego. The two roofing jobs and work for his landlord gave his ego a temporary reprieve. It had felt good to be sweating again. Then came the back injury. Making things more stressful than they had been was the fact that he had been cut from unemployment because his injury had caused him to be temporarily unable to work. He had been humiliated once again when he was forced to apply to the Department of Children & Families for emergency medical assistance (only poor people get medicaid) and that application was still pending. The fact that he had applied enabled him to get some medical help contingent on the application being approved. It also allowed him to acquire his new monthly prescription of 90 oxycodone pills for "pain management". Quickly and unexpectedly those pills were becoming his "new best friend". He was supposed to take three a day. A few times he took four. The problem with that was a person would run out of their "meds" prior to the renewal date and with strict rules in place about prescription renewals, especially on "controlled substances", being out of an addictive medication two or three days before it could be refilled could present quite the dilemma for the patient. The fiend called withdrawal would rear it ugly head.
Jake, bewildered at his father's behavior, did not and could not understand. He began to withdraw into himself, his grades began to slip and he was suddenly feeling insecure and unhappy. Tracey was beginning to notice the changes in her boy. As for Bob, he did not have a clue.
Next time: Episode #12 "Trick or Treat"
August 19, 2011
"Grippers" (how to get homeless without even trying) Re-cap Episodes 1 thru 9
Re-cap: Episodes 1 thru 9 (Episode #10 will post next week) click on "grippers" and scroll down for previous nine episodes.
The great American paradox (Episode #6) of today is that there are millions of people across this great land that are simultaneously rich and poor. They are "rich" (materially) because they have most everything money can buy; a car, big-screen TV, appliances, clothing, air-conditioned homes, video game systems, computers, cell phones, cable TV, etc. They are "poor" because they have lost their jobs, cannot find a new job and are, literally speaking, rapidly running out of money. They are losing their grip. These are the pre-homeless folks I call "Grippers", people hanging on for dear life to what they have, hoping and praying that the economic tsunami that is engulfing the nation does not sweep them away and plunge them into the nether world we call "homelessness", a place that might be in a car or under a bridge or in an alleyway or abandoned building requiring no forwarding address.
Episodes #1 thru #9 of the "Grippers" follows the journey of the Slider family, Bob, his wife Tracey and their 12 year old son, Jake. Kind, decent, law-abiding, hardworking folks their whole lives they unexpectedly go through a downward spiral that includes both of them losing their jobs and rapidly running out of money. They buy some time by holding a huge yard sale and, combined with the sale of Tracey's car, manage to garner over $1200.00. Combined with some assistance from the St. Vincent De Paul Society in getting their electricity turned back on they are caught up with their obligations (except credit cards) through the month of June. Bob is trying to find some work and they both have applied for unemployment, Tracey for the second time because she had been "kicked out of the system" when her computer failed during a thunderstorm and she could not sign in on time.
Next time: Episode #10 Good news and Bad News
The great American paradox (Episode #6) of today is that there are millions of people across this great land that are simultaneously rich and poor. They are "rich" (materially) because they have most everything money can buy; a car, big-screen TV, appliances, clothing, air-conditioned homes, video game systems, computers, cell phones, cable TV, etc. They are "poor" because they have lost their jobs, cannot find a new job and are, literally speaking, rapidly running out of money. They are losing their grip. These are the pre-homeless folks I call "Grippers", people hanging on for dear life to what they have, hoping and praying that the economic tsunami that is engulfing the nation does not sweep them away and plunge them into the nether world we call "homelessness", a place that might be in a car or under a bridge or in an alleyway or abandoned building requiring no forwarding address.
Episodes #1 thru #9 of the "Grippers" follows the journey of the Slider family, Bob, his wife Tracey and their 12 year old son, Jake. Kind, decent, law-abiding, hardworking folks their whole lives they unexpectedly go through a downward spiral that includes both of them losing their jobs and rapidly running out of money. They buy some time by holding a huge yard sale and, combined with the sale of Tracey's car, manage to garner over $1200.00. Combined with some assistance from the St. Vincent De Paul Society in getting their electricity turned back on they are caught up with their obligations (except credit cards) through the month of June. Bob is trying to find some work and they both have applied for unemployment, Tracey for the second time because she had been "kicked out of the system" when her computer failed during a thunderstorm and she could not sign in on time.
Next time: Episode #10 Good news and Bad News
August 13, 2011
"Grippers" (how to get homeless without even trying # 9)
Episode # 9 The Home Visit (click on the "Grippers tab and scroll down for the previous 8 episodes)
Their newly discovered sense of helplessness had Bob and Tracey drained and exhausted. They had $40.00 to their name, the electricity had been turned off, the inside of the house was hovering at about 90 degrees, the refrigerator was rapidly losing its coldness while the hot water heater was losing its hotness, the stove could not be used, and the anxious look on 12 year old Jake's face spoke volumes about their situation. Bob's family included a brother in North Carolina who was raising three young children on his own because his wife had passed away a year earlier from cancer and his mom and dad who had no other income except Social Security and had serious health issues. Up until six months earlier it had been Bob and Tracey who were helping them out. Tracey was an only child and both her parents had passed away. The Sliders needed a break, a temporary reprieve, to help them gather their thoughts and breathe a bit. They received this from perfect strangers.
A man and woman from the St. Vincent De Paul Society at Sacred Heart Catholic Church came by to visit. Unpretentious, friendly, and not mentioning religion, they had managed to quickly put Tracey and her skeptical and defensive husband at ease. They managed to share some common ground about people and places in Pinellas Pines and even managed to have a few laughs together. The Vincentians were able to have the power restored by 6 p.m. and got a two week extension on the water bill, guaranteeing payment if Bob and Tracey could not come up with the money. This technique helped Bob save face as he told them, "Don't worry, I'll have it covered by then. Thanks for backing me up. I really appreciate it."
The Vincentians left and Bob and Tracey began planning a huge yard sale for the coming weekend. Bob had posted signs in strategic locations around the neighborhood and by 7 a m. Saturday morning their front yard was filled with "stuff". They managed to take in over $1200.00. There was a trade-off however. Besides selling their sofa, two bicycles, two TV's and a computer desk plus a ton of lawn maintenance equipment, tools and clothes, and all sorts of housewares, someone had offered them $800.00 for Tracey's car, even with the blown fuel pump. They accepted the offer. They were able to pay the water bill, car insurance, the cable bill, phone bill and internet service and even took $150.00 and had their computer reformatted by their friend, Gary. They were good through June and into July. All Bob needed to do was to find some work so they could keep "above water".
Next time: Episode #10 Good News and Bad News
Their newly discovered sense of helplessness had Bob and Tracey drained and exhausted. They had $40.00 to their name, the electricity had been turned off, the inside of the house was hovering at about 90 degrees, the refrigerator was rapidly losing its coldness while the hot water heater was losing its hotness, the stove could not be used, and the anxious look on 12 year old Jake's face spoke volumes about their situation. Bob's family included a brother in North Carolina who was raising three young children on his own because his wife had passed away a year earlier from cancer and his mom and dad who had no other income except Social Security and had serious health issues. Up until six months earlier it had been Bob and Tracey who were helping them out. Tracey was an only child and both her parents had passed away. The Sliders needed a break, a temporary reprieve, to help them gather their thoughts and breathe a bit. They received this from perfect strangers.
A man and woman from the St. Vincent De Paul Society at Sacred Heart Catholic Church came by to visit. Unpretentious, friendly, and not mentioning religion, they had managed to quickly put Tracey and her skeptical and defensive husband at ease. They managed to share some common ground about people and places in Pinellas Pines and even managed to have a few laughs together. The Vincentians were able to have the power restored by 6 p.m. and got a two week extension on the water bill, guaranteeing payment if Bob and Tracey could not come up with the money. This technique helped Bob save face as he told them, "Don't worry, I'll have it covered by then. Thanks for backing me up. I really appreciate it."
The Vincentians left and Bob and Tracey began planning a huge yard sale for the coming weekend. Bob had posted signs in strategic locations around the neighborhood and by 7 a m. Saturday morning their front yard was filled with "stuff". They managed to take in over $1200.00. There was a trade-off however. Besides selling their sofa, two bicycles, two TV's and a computer desk plus a ton of lawn maintenance equipment, tools and clothes, and all sorts of housewares, someone had offered them $800.00 for Tracey's car, even with the blown fuel pump. They accepted the offer. They were able to pay the water bill, car insurance, the cable bill, phone bill and internet service and even took $150.00 and had their computer reformatted by their friend, Gary. They were good through June and into July. All Bob needed to do was to find some work so they could keep "above water".
Next time: Episode #10 Good News and Bad News
August 5, 2011
"Grippers" (how to get homeless without even trying # 8)
Episode # 8 Here come the church people--- (click on the "Grippers" tab and scroll down for the previous seven (7) episodes)
"C'mon, Tracey, please. Call these people right now. You need your power back on. My God, you'll lose everything in the refrigerator plus it's 92 degrees outside and it's already hot in here. C'mon, trust me. Make the call."
Bob had his back to them and was making believe he was not paying attention but he was. "Call what people? What are you talking about?"
Jake, who was quietly taking everything in was, for the first time in his 12 years, sensing an insecurity inside himself. He did not understand the feeling. "Hey, somebody want to tell me what's going on around here. Why don't the electricity work?"
"Look Jake," his mom said, "I'll explain it all in a few minutes, okay. Everything is fine. don't worry."
Bob, getting exasperated, turned around, looked at Tracey and asked again, "What people are you talking about?"
Judi answered him, "The St. Vincent De Paul Society at my church. They might be able to help you out. That's who."
"I love ya Judi and your a great friend but sometimes----- no way. What are we, some kind of charity case. Just forget that whole idea."
"You know Bob, I love you too but sometimes you let that damn pride of yours really cloud some good, old fashioned, common sense. Right now, at this moment in time, you need a bit of help. So why don't you just get over it and let Tracey call. Trust me, it is not a big deal."
Tracey, thinking about the "arm twisting" she had to do to get Bob to go to the unemployment office said, "Judi is right Bob. She's right. I'm calling and I don't care. What do we have to lose except maybe a bit of pride. So what. I'm calling."
Bob threw his hands in the air and then threw them down. He said nothing and headed back to the garage. His abruptness and hand waving was simply a way for him to save some of the dignity he felt was being ripped away from him. Down deep, he was glad Tracey was going to the make the call.
Tracey shook her head and punched the numbers into the phone. She waited and said to Judi, "I'm getting a recording."
"Don't hang up, Tracey. Leave a message. They'll get back to you."
Tracey waited and then spoke, "Yes, my name is Tracey Slider. A neighbor gave me your number and told me I should call you. Anyway, our power was shut off and," she paused to stifle a sob, "we need a little help. My number is 555-3790. Thank you."
As Tracey hung up, Judi smiled at her and said, "Good for you, Trace. Good for you. Just say a little prayer and things will work out. It's kind of late so I hope they can get to you today.. Anyway, I'll call you later and see how it's going."
They hugged each other and then Judi left, waving and smiling at a pensive looking 12 year old who waved back only using his hand as his arm rested across his leg. When Judi was gone Tracey said to her son, "Jake, I just want to get some ice-tea. You're not a baby anymore so I'll explain to you exactly what is going on. Do you want something to drink?"
Before Jake could answer the phone rang. Tracey flipped it open and a man said, "Hi, is this Tracey?"
"Yes, who's calling?"
"Oh, hi Tracey, this is Ron from St. Vincent De Paul. We got your message. So tell me, how long has your power been off?"
Tracey was a bit taken back at how quickly the return call had come in and said, "Wow, I only called about five minutes ago. That was fast."
"Just good timing Tracey. I was picking up the messages and yours had just come in. If I had checked five minutes earlier it would not have been on the machine. Might not have gotten back to you today. God's just watching out for us, that's all." The guy let out a slight laugh and continued, "Anyway, we have to come out to see you and can do it in the next half hour. How's that sound?"
"You have to come HERE? We don't come to you?"
"Yup. It's the way we do it. It's called a "home visit" but it is no big deal. Now look Tracey, usually we are not able to do a visit so quickly. In fact, most times it takes a day or so depending on people's schedules. Being it is so late in the day and things seem to be falling into place maybe we can get something done today. I'm not sure but it is worth the shot. What do you say? Can we come over?"
"Well, sure, I guess so. That's fine." She gave Ron the address and he simply asked her to have her power bill available. As she hung up she felt no sense of intimidation or nervousness. Ron's voice and down to earth manner had already put her at ease.
Bob came back in. "Well, what's going on? Did you actually call those people?'
"I did Bob. I did. They'll be here in a half hour."
"Oh great---So, here come the 'church people'. Whatever, whatever. I'm going outside."
Next time: Episode # 9 The Home Visit
"C'mon, Tracey, please. Call these people right now. You need your power back on. My God, you'll lose everything in the refrigerator plus it's 92 degrees outside and it's already hot in here. C'mon, trust me. Make the call."
Bob had his back to them and was making believe he was not paying attention but he was. "Call what people? What are you talking about?"
Jake, who was quietly taking everything in was, for the first time in his 12 years, sensing an insecurity inside himself. He did not understand the feeling. "Hey, somebody want to tell me what's going on around here. Why don't the electricity work?"
"Look Jake," his mom said, "I'll explain it all in a few minutes, okay. Everything is fine. don't worry."
Bob, getting exasperated, turned around, looked at Tracey and asked again, "What people are you talking about?"
Judi answered him, "The St. Vincent De Paul Society at my church. They might be able to help you out. That's who."
"I love ya Judi and your a great friend but sometimes----- no way. What are we, some kind of charity case. Just forget that whole idea."
"You know Bob, I love you too but sometimes you let that damn pride of yours really cloud some good, old fashioned, common sense. Right now, at this moment in time, you need a bit of help. So why don't you just get over it and let Tracey call. Trust me, it is not a big deal."
Tracey, thinking about the "arm twisting" she had to do to get Bob to go to the unemployment office said, "Judi is right Bob. She's right. I'm calling and I don't care. What do we have to lose except maybe a bit of pride. So what. I'm calling."
Bob threw his hands in the air and then threw them down. He said nothing and headed back to the garage. His abruptness and hand waving was simply a way for him to save some of the dignity he felt was being ripped away from him. Down deep, he was glad Tracey was going to the make the call.
Tracey shook her head and punched the numbers into the phone. She waited and said to Judi, "I'm getting a recording."
"Don't hang up, Tracey. Leave a message. They'll get back to you."
Tracey waited and then spoke, "Yes, my name is Tracey Slider. A neighbor gave me your number and told me I should call you. Anyway, our power was shut off and," she paused to stifle a sob, "we need a little help. My number is 555-3790. Thank you."
As Tracey hung up, Judi smiled at her and said, "Good for you, Trace. Good for you. Just say a little prayer and things will work out. It's kind of late so I hope they can get to you today.. Anyway, I'll call you later and see how it's going."
They hugged each other and then Judi left, waving and smiling at a pensive looking 12 year old who waved back only using his hand as his arm rested across his leg. When Judi was gone Tracey said to her son, "Jake, I just want to get some ice-tea. You're not a baby anymore so I'll explain to you exactly what is going on. Do you want something to drink?"
Before Jake could answer the phone rang. Tracey flipped it open and a man said, "Hi, is this Tracey?"
"Yes, who's calling?"
"Oh, hi Tracey, this is Ron from St. Vincent De Paul. We got your message. So tell me, how long has your power been off?"
Tracey was a bit taken back at how quickly the return call had come in and said, "Wow, I only called about five minutes ago. That was fast."
"Just good timing Tracey. I was picking up the messages and yours had just come in. If I had checked five minutes earlier it would not have been on the machine. Might not have gotten back to you today. God's just watching out for us, that's all." The guy let out a slight laugh and continued, "Anyway, we have to come out to see you and can do it in the next half hour. How's that sound?"
"You have to come HERE? We don't come to you?"
"Yup. It's the way we do it. It's called a "home visit" but it is no big deal. Now look Tracey, usually we are not able to do a visit so quickly. In fact, most times it takes a day or so depending on people's schedules. Being it is so late in the day and things seem to be falling into place maybe we can get something done today. I'm not sure but it is worth the shot. What do you say? Can we come over?"
"Well, sure, I guess so. That's fine." She gave Ron the address and he simply asked her to have her power bill available. As she hung up she felt no sense of intimidation or nervousness. Ron's voice and down to earth manner had already put her at ease.
Bob came back in. "Well, what's going on? Did you actually call those people?'
"I did Bob. I did. They'll be here in a half hour."
"Oh great---So, here come the 'church people'. Whatever, whatever. I'm going outside."
Next time: Episode # 9 The Home Visit
July 29, 2011
"Grippers" ( how to get homeless without even trying #7)
Episode #7 Lights out (click on "the Grippers" tab for previous six (6) episodes)
Tommy and Judi Parano were standing outside their house when Bob and Tracey arrived home. Judi and Tracey were best friends and shared and confided most everything with each other. Judi was well aware of the predicament her friend was in. She walked over to the side of Bob's truck and when Tracey saw her she immediately stepped out of the truck, wrapped her arms around her and began to simultaneously hug and cry. "Oh Judi, this is such a mess. I cannot believe everything that has happened since Friday. I don't know what to do"
"What happened, Trace. I thought you had everything covered for now."
They made us pay two truck payments. Now I can't pay the electric bill. That was due by nine o'clock this morning. We had the ten day extension already. What am I going to do."
"Well, first thing is you are going to do is call them. You have to call them right now."
"I did that already. Just got off the cell phone with them. They told me to do my best to get the payment in as quickly as possible and that they could not promise anything since I already had the extension. That their 'hands were tied'. Give me a break. I haven't been late with one payment in 12 years and they tell me 'their hands are tied'. Now I don't know what to expect."
"Tracey, if we had the money we would give it to you in a heartbeat but---"
"I know Judi, I know."
"Let me finish. I have an idea. Call the St. Vincent De Paul Society over at my church. They can probably help you out. They help people all the time who are in a jam."
"Oh my God---how embarrassing. I could never do that. I would feel like an idiot telling strangers my business. I could never. No way. We don't even go to your church."
"That doesn't matter. If someone asks them for assistance they try to help. Being catholic or belonging to the parish has nothing to do with anything. Look Tracey, you guys are in a spot. You need a little help.I'm going to run home and get you the number. I think it is on our church bulletin cover."
As Judi hurried home Jake came walking up the driveway. He had spent the holiday weekend at his friend Tyler's house and Tyler's mom had driven them to school Tuesday morning. As far as Jake was concerned everything was fine at home. He did not even know his dad had been laid off and seeing Judi Parano leaving his house was as normal as the sun coming up in the morning. "Hi Mrs. Parano."
"Hi Jake, have a good day today?'
"Yup, sure did."
Jake headed into the house, gave his mom a cursory, "Hey, mom" and headed to his room. He never noticed her swollen eyes or thought about his dad's truck being in the driveway on a work day.
Tracey was in the kitchen wiping her eyes when Judi came back in. At the same time Jake came into the kitchen. This time he noticed his mom's puffy cheeks. "Hey, mom--what's wrong? Something happen? You okay?"
"I'm fine Jake. Lousy day, that's all. Plus, you know how I cry sometimes over nothing. No big deal."
Jake accepted that and opened the refrigerator door. He stood motionless staring inside the fridge. As Judi handed the phone number to Tracey, Jake matter of factly said, "Hey mom, the bulb just burned out in here. It's hard to see."
Tracey shrugged and then they all noticed that things seemed eerily still and quiet. It took about half a minute for them to realize that the ceiling fan had stopped spinning, the refrigerator had stopped humming and that the A/C had stopped cooling. Jake had already plopped down on the sofa and was pressing the buttons on the TV remote. "Hey mom, the TV won't come on. I think we need some batteries in the remote."
Bob, who had been in the garage checking his tools and equipment to see what he had available when he found work, came in. "Okay, here it is. The guy from the power company just left. They shut us off."
"Oh my God," Tracey said. "What are we going to do?"
Judi handed a slip of paper to Tracey, "Here, call these people right now. Who knows, they still might be able to get with you today even though it is almost three. Please, do it."
"Hey mom, dad--what's going on here?"
Next time: Episode #8 Here come the church people
Tommy and Judi Parano were standing outside their house when Bob and Tracey arrived home. Judi and Tracey were best friends and shared and confided most everything with each other. Judi was well aware of the predicament her friend was in. She walked over to the side of Bob's truck and when Tracey saw her she immediately stepped out of the truck, wrapped her arms around her and began to simultaneously hug and cry. "Oh Judi, this is such a mess. I cannot believe everything that has happened since Friday. I don't know what to do"
"What happened, Trace. I thought you had everything covered for now."
They made us pay two truck payments. Now I can't pay the electric bill. That was due by nine o'clock this morning. We had the ten day extension already. What am I going to do."
"Well, first thing is you are going to do is call them. You have to call them right now."
"I did that already. Just got off the cell phone with them. They told me to do my best to get the payment in as quickly as possible and that they could not promise anything since I already had the extension. That their 'hands were tied'. Give me a break. I haven't been late with one payment in 12 years and they tell me 'their hands are tied'. Now I don't know what to expect."
"Tracey, if we had the money we would give it to you in a heartbeat but---"
"I know Judi, I know."
"Let me finish. I have an idea. Call the St. Vincent De Paul Society over at my church. They can probably help you out. They help people all the time who are in a jam."
"Oh my God---how embarrassing. I could never do that. I would feel like an idiot telling strangers my business. I could never. No way. We don't even go to your church."
"That doesn't matter. If someone asks them for assistance they try to help. Being catholic or belonging to the parish has nothing to do with anything. Look Tracey, you guys are in a spot. You need a little help.I'm going to run home and get you the number. I think it is on our church bulletin cover."
As Judi hurried home Jake came walking up the driveway. He had spent the holiday weekend at his friend Tyler's house and Tyler's mom had driven them to school Tuesday morning. As far as Jake was concerned everything was fine at home. He did not even know his dad had been laid off and seeing Judi Parano leaving his house was as normal as the sun coming up in the morning. "Hi Mrs. Parano."
"Hi Jake, have a good day today?'
"Yup, sure did."
Jake headed into the house, gave his mom a cursory, "Hey, mom" and headed to his room. He never noticed her swollen eyes or thought about his dad's truck being in the driveway on a work day.
Tracey was in the kitchen wiping her eyes when Judi came back in. At the same time Jake came into the kitchen. This time he noticed his mom's puffy cheeks. "Hey, mom--what's wrong? Something happen? You okay?"
"I'm fine Jake. Lousy day, that's all. Plus, you know how I cry sometimes over nothing. No big deal."
Jake accepted that and opened the refrigerator door. He stood motionless staring inside the fridge. As Judi handed the phone number to Tracey, Jake matter of factly said, "Hey mom, the bulb just burned out in here. It's hard to see."
Tracey shrugged and then they all noticed that things seemed eerily still and quiet. It took about half a minute for them to realize that the ceiling fan had stopped spinning, the refrigerator had stopped humming and that the A/C had stopped cooling. Jake had already plopped down on the sofa and was pressing the buttons on the TV remote. "Hey mom, the TV won't come on. I think we need some batteries in the remote."
Bob, who had been in the garage checking his tools and equipment to see what he had available when he found work, came in. "Okay, here it is. The guy from the power company just left. They shut us off."
"Oh my God," Tracey said. "What are we going to do?"
Judi handed a slip of paper to Tracey, "Here, call these people right now. Who knows, they still might be able to get with you today even though it is almost three. Please, do it."
"Hey mom, dad--what's going on here?"
Next time: Episode #8 Here come the church people
July 22, 2011
"Grippers" #6 (how to get homeless without even trying)
Episode #6: Out of money (click on "the grippers" tab for previous 5 episodes)
The Slider family was now, like so many many others, part of an American paradox. They were both rich and poor. They had everything money could buy; a place to live, a refrigerator, a washer and dryer, a personal computer, two TVs, a DVD player, a stove and oven, central heat and air, a microwave, internet service, two vehicles, cell phones, and even a video game system. They had managed to take vacations every summer and had been to Disney World numerous times. However, they were now bringing in zero income and were $14,710.00 below the national poverty level. Bob reluctantly succumbed to Tracey's common sense and it was 10:15 when they both left for the unemployment office.
They walked into the unemployment office and Bob was surprised that it was not more crowded. Tracey said in a low voice, "Most people apply on-line. Hardly anyone comes here to sign up. If they did the lines would be around the block."
"Well then, what are we doing here?"
"I swear Bob, what's wrong with you? Our computer does not work---remember? We have to use their computer. We have to take a number and wait for one of the computers to open up. That's them by the wall over there."
"Oh my God, there are only five of them and they're all being used and there are people waiting."
"I know, I know. But we have no choice. We have to do this. We'll probably be here a few hours. Let's just try to make the best of it."
They took numbers from the number dispenser and sat down. The number on the board flashed #23. They had numbers 41 and 42 respectively. "Dang Tracey, we'll be here all day."
"No, no, no. It's not so bad. There are five machines, remember."
At 12:30, # 41 flashed on the board. Tracey hurried over to the computer and tried to sign in. Clicking enter nothing happened. She clicked again--nothing---and again--nothing. The on-line assistant came over, "Is everything all right?"
"I can't access my page. Look for yourself."
The lady looked at the screen and shrugged, "It's a code 9. You did not re-certify and were dropped from the system. You have to re-apply."
"But all my information was there. The storm last week fried our computer. I could not sign in and then my car didn't start and I could not get over here until after you closed. It takes a few weeks to get a check when you start, right? I mean, this is crazy. I was supposed to get a check today but you're telling me the computer just kicked me out, just like that. The damn thing is not even a person and it can just kick you out. Can't you people override it. I mean, it is not my fault."
"I'm sorry ma'am. My our hands are tied. You are not the first person this has happened to. They set the system up this way. The only people that can change this are the folks in Tallahassee. My advice is to fill out the forms and get yourself back into the system. And don't forget that every week you claim benefits you have to show that you applied for at least five jobs. That's VERY important. Okay?"
Three and a half hours after arriving at the unemployment office they were finished applying and headed home. There was very little talk going on. As they headed down Madison Ave. Tracey said, "Pull into the bank. I'll drop off the truck payment. It is too far 'past due' to mail it. This way we'll get credit for the payment immediately."
Ten minutes later Tracey came out, got into the truck and began to cry. "What's wrong? Why you crying?"
Trying to speak through her sobs Tracey sounded like she was talking underwater. "They bllb--want--bllp--two payments." Forcing out the words she went on, "They won't take one payment because today is the beginning of a new month. They want two or they want the truck."
"WHAT! Are they crazy. We only have five payments left. We've been paying like clockwork for three years. I'm going in there. Give me the payment stubs."
Bob headed into the bank and ten minutes later out he came. "So, what happened?"
"I'll tell you what happened. I had to give them the two payments. That's what happened. Whatever. Plus a $25.00 late fee. I think that leaves us with maybe $40.00 to our name."
"Oh my God, Bob. The electric bill. We have to pay the electric bill. They'll turn us off if we don't."
"Yeah, yeah. I know. And the water and the phones and the cable and the insurance---and. Oh man, let's just go home and try to figure something out. Maybe we can have a big yard sale. One thing is for sure, I have to find work and fast."
The Slider family was now, like so many many others, part of an American paradox. They were both rich and poor. They had everything money could buy; a place to live, a refrigerator, a washer and dryer, a personal computer, two TVs, a DVD player, a stove and oven, central heat and air, a microwave, internet service, two vehicles, cell phones, and even a video game system. They had managed to take vacations every summer and had been to Disney World numerous times. However, they were now bringing in zero income and were $14,710.00 below the national poverty level. Bob reluctantly succumbed to Tracey's common sense and it was 10:15 when they both left for the unemployment office.
They walked into the unemployment office and Bob was surprised that it was not more crowded. Tracey said in a low voice, "Most people apply on-line. Hardly anyone comes here to sign up. If they did the lines would be around the block."
"Well then, what are we doing here?"
"I swear Bob, what's wrong with you? Our computer does not work---remember? We have to use their computer. We have to take a number and wait for one of the computers to open up. That's them by the wall over there."
"Oh my God, there are only five of them and they're all being used and there are people waiting."
"I know, I know. But we have no choice. We have to do this. We'll probably be here a few hours. Let's just try to make the best of it."
They took numbers from the number dispenser and sat down. The number on the board flashed #23. They had numbers 41 and 42 respectively. "Dang Tracey, we'll be here all day."
"No, no, no. It's not so bad. There are five machines, remember."
At 12:30, # 41 flashed on the board. Tracey hurried over to the computer and tried to sign in. Clicking enter nothing happened. She clicked again--nothing---and again--nothing. The on-line assistant came over, "Is everything all right?"
"I can't access my page. Look for yourself."
The lady looked at the screen and shrugged, "It's a code 9. You did not re-certify and were dropped from the system. You have to re-apply."
"But all my information was there. The storm last week fried our computer. I could not sign in and then my car didn't start and I could not get over here until after you closed. It takes a few weeks to get a check when you start, right? I mean, this is crazy. I was supposed to get a check today but you're telling me the computer just kicked me out, just like that. The damn thing is not even a person and it can just kick you out. Can't you people override it. I mean, it is not my fault."
"I'm sorry ma'am. My our hands are tied. You are not the first person this has happened to. They set the system up this way. The only people that can change this are the folks in Tallahassee. My advice is to fill out the forms and get yourself back into the system. And don't forget that every week you claim benefits you have to show that you applied for at least five jobs. That's VERY important. Okay?"
Three and a half hours after arriving at the unemployment office they were finished applying and headed home. There was very little talk going on. As they headed down Madison Ave. Tracey said, "Pull into the bank. I'll drop off the truck payment. It is too far 'past due' to mail it. This way we'll get credit for the payment immediately."
Ten minutes later Tracey came out, got into the truck and began to cry. "What's wrong? Why you crying?"
Trying to speak through her sobs Tracey sounded like she was talking underwater. "They bllb--want--bllp--two payments." Forcing out the words she went on, "They won't take one payment because today is the beginning of a new month. They want two or they want the truck."
"WHAT! Are they crazy. We only have five payments left. We've been paying like clockwork for three years. I'm going in there. Give me the payment stubs."
Bob headed into the bank and ten minutes later out he came. "So, what happened?"
"I'll tell you what happened. I had to give them the two payments. That's what happened. Whatever. Plus a $25.00 late fee. I think that leaves us with maybe $40.00 to our name."
"Oh my God, Bob. The electric bill. We have to pay the electric bill. They'll turn us off if we don't."
"Yeah, yeah. I know. And the water and the phones and the cable and the insurance---and. Oh man, let's just go home and try to figure something out. Maybe we can have a big yard sale. One thing is for sure, I have to find work and fast."
July 15, 2011
"Grippers" #5 (how to get homeless without even trying)
Recap: #1, Bob Slider is laid off; #2, Tracey loses her unemployment; #3, confronting finances over beer & pizza; #4; meeting with the landlord (click on "gripper" tab to view previous episodes)
Episode 5: Running out of money.
It was 5:30 a.m Tuesday and , as usual, Bob woke up and began getting ready to go to work. It actually took him a few moments to accept the fact that he actually had no place to go. Somewhat lost inside of himself, he walked outside into the morning darkness and stood by his truck. He decided to drive over to the Park Slope Cafe and get some breakfast. He loved their "All-American Skillets" because they were loaded with so much bacon and sausage. He dropped two quarters into the newspaper machine, pulled out a paper and headed inside. He was surprised that there were so many patrons there at such an early hour and he avoided looking around because he just did not want to bump into anyone he might know. He was in no mood for idle chit-chat.
The server came by, placed a menu on his table and asked, "Good morning, you having coffee?"
"Yeah, thanks."
"I'll be back for your order in a minute."
He smiled at her and opened the menu. Quickly he was adding numbers in his head. Dang, the skillet is $6.99 and coffee is $1.59, add in tax and that's over nine bucks. Two bucks for a tip and I just spent $11.00. The server returned and asked, "So, what can I get you?"
"I'm going to just have coffee today, okay."
He was on his way home by 6:30 and, in the light of the new day, noticed all the cars moving this way and that. He wished his truck was heading to a job like the rest of them. It was only his first day out of work and already he was feeling quite useless. When I get home I better get on the horn and make some calls. Gotta find some work. I know I can get something to make a few bucks.
Greg Margolese pulled up a little after ten. It was a brief visit. The guy never even got out of his truck. Bob walked over and handed him a check for $950.00. Greg looked at it, stuck it in his shirt pocket and said, "Thanks, Bob. Look, as far as what we talked about Saturday, right now I have nothing. I'm doing the repairs and maintenance myself trying to save some money. If something comes up or if I hear of someone needing help with something I'll give you a call. Don't worry, things will work out." The entire visit had taken about a minute and a half.
Back inside he and Tracey began to face their new reality. While at Carmine's Friday evening they had tallied up a personal fortune of $2650. On Saturday, Tracey had gone to the supermarket and spent $112.00 on food and other items like toothpaste and toilet tissue, laundry detergent, shampoo, hand soap and a new filter for the air-purifier which was critical for Jake's asthma prevention. Jake's inhalor was $68.00 and Bob had put $30.00 worth of gas in the truck which had moved the needle a bit past the half-way mark. Add in the $20.00 they had "squandered" on pizza Friday, they were down to $770.00 and, besides the rent, had not paid a single bill. Three months earlier Tracey would have used a credit card to pay for some of these things but their three cards were maxed out and they were two months behind in payments already. The collectors were already calling several times a week.Tracey, a woman who managed money with unbelievable efficiency and had always seemed to be able to move the money exactly where needed keeping their finances in check, was overwhelmed. Truck payment of $278.00, electric bill of $276.00, cable and phone of $119.00, water bill of $64.00, car insurance of $158.00---that came to $895 leaving them negative $125.00 just to pay bills. Credit cards, yeah, right.
Bob, sort of in a daze, did not know what to do. Thank God Tracey began making an attempt to put some order into their financial chaos. She decided not to pay the car insurance, the cable bill and the water bill. She thought she could buy time with those creditors by calling and talking to them. Making the truck payment and paying the power bill would take precedence. That would leave them with $341.00 in their pocket. Tracey had forgotten one minor detail. If the truck payment was late and went delinquent into the following month the lien-holder would not accept one payment. They demanded that the account be brought current by the fifth day of the second month---or else.
Next time: Episode #6; Out of money
Episode 5: Running out of money.
It was 5:30 a.m Tuesday and , as usual, Bob woke up and began getting ready to go to work. It actually took him a few moments to accept the fact that he actually had no place to go. Somewhat lost inside of himself, he walked outside into the morning darkness and stood by his truck. He decided to drive over to the Park Slope Cafe and get some breakfast. He loved their "All-American Skillets" because they were loaded with so much bacon and sausage. He dropped two quarters into the newspaper machine, pulled out a paper and headed inside. He was surprised that there were so many patrons there at such an early hour and he avoided looking around because he just did not want to bump into anyone he might know. He was in no mood for idle chit-chat.
The server came by, placed a menu on his table and asked, "Good morning, you having coffee?"
"Yeah, thanks."
"I'll be back for your order in a minute."
He smiled at her and opened the menu. Quickly he was adding numbers in his head. Dang, the skillet is $6.99 and coffee is $1.59, add in tax and that's over nine bucks. Two bucks for a tip and I just spent $11.00. The server returned and asked, "So, what can I get you?"
"I'm going to just have coffee today, okay."
He was on his way home by 6:30 and, in the light of the new day, noticed all the cars moving this way and that. He wished his truck was heading to a job like the rest of them. It was only his first day out of work and already he was feeling quite useless. When I get home I better get on the horn and make some calls. Gotta find some work. I know I can get something to make a few bucks.
Greg Margolese pulled up a little after ten. It was a brief visit. The guy never even got out of his truck. Bob walked over and handed him a check for $950.00. Greg looked at it, stuck it in his shirt pocket and said, "Thanks, Bob. Look, as far as what we talked about Saturday, right now I have nothing. I'm doing the repairs and maintenance myself trying to save some money. If something comes up or if I hear of someone needing help with something I'll give you a call. Don't worry, things will work out." The entire visit had taken about a minute and a half.
Back inside he and Tracey began to face their new reality. While at Carmine's Friday evening they had tallied up a personal fortune of $2650. On Saturday, Tracey had gone to the supermarket and spent $112.00 on food and other items like toothpaste and toilet tissue, laundry detergent, shampoo, hand soap and a new filter for the air-purifier which was critical for Jake's asthma prevention. Jake's inhalor was $68.00 and Bob had put $30.00 worth of gas in the truck which had moved the needle a bit past the half-way mark. Add in the $20.00 they had "squandered" on pizza Friday, they were down to $770.00 and, besides the rent, had not paid a single bill. Three months earlier Tracey would have used a credit card to pay for some of these things but their three cards were maxed out and they were two months behind in payments already. The collectors were already calling several times a week.Tracey, a woman who managed money with unbelievable efficiency and had always seemed to be able to move the money exactly where needed keeping their finances in check, was overwhelmed. Truck payment of $278.00, electric bill of $276.00, cable and phone of $119.00, water bill of $64.00, car insurance of $158.00---that came to $895 leaving them negative $125.00 just to pay bills. Credit cards, yeah, right.
Bob, sort of in a daze, did not know what to do. Thank God Tracey began making an attempt to put some order into their financial chaos. She decided not to pay the car insurance, the cable bill and the water bill. She thought she could buy time with those creditors by calling and talking to them. Making the truck payment and paying the power bill would take precedence. That would leave them with $341.00 in their pocket. Tracey had forgotten one minor detail. If the truck payment was late and went delinquent into the following month the lien-holder would not accept one payment. They demanded that the account be brought current by the fifth day of the second month---or else.
Next time: Episode #6; Out of money
July 8, 2011
"Grippers" #4(how to get homeless without even trying )
Recap: #1, Bob Slider is laid off; #2, Tracey loses her unemployment; #3, confronting finances over beer & pizza (click on "grippers" tab to view previous episodes)
Episode 4: Meeting with the landlord.
It was 8 a.m. Saturday and Bob was sitting in Tracey's car listening to the singing of an engine not starting, waawaawaawaa. Tommy Parano, Bob's good friend and next door neighbor, came walking over. Tommy also happened to be a darn good auto mechanic. "Uh oh Bob, that don't sound good. Pop the hood."
It took Tommy ten minutes to figure out that the fuel pump was shot. "No pressure from the fuel line Bob. No pressure. The worst part is the pump is in the gas tank. It's a big job to replace it. .We'll have to get it into the shop."
"Well Tommy, not this week. Bildot closed its doors yesterday. I'm out of work. The car will have to wait."
"No way, man. I don't believe it. Bildot closed. You were laid off. Oh man, that stinks big time."
Just then a bright, red F-350 diesel pick-up with tandem wheels rumbled to a stop in front of the house. Bob said to Tommy, "Hey, that's my landlord. Look, we'll talk later."
As Tommy headed back to his house Greg Margolese slowly walked toward his tenant. Bob's insides sort of twisted because the usually friendly persona of Greg was nowhere to be seen. "Good morning, Bob."
"Hey Greg, you're up and about early for a Saturday."
"Yeah, well I have to take care of a broken water heater over on 72nd Terrace and I wanted to talk to you anyway so---I thought I would just stop by. You know Bob, you still owe me $700.00 for May and June 1st is Tuesday. You think you'll have the money?"
Bob suddenly felt intimidated and embarrassed. He had known Greg for a long time. The man owned 18 houses and Bob had helped him out many times getting him discounts on building supplies and personally doing minor repairs for him. He liked to think that they were friends first. But this Saturday morning was different. Greg Margolese was exhibiting a "business is business" attitude. Bob nervously said to him, "Uh---I was going to call you Greg. Truth is, I have a problem and---look, wait right here. I'll be right back."
Bob hurried into the house and wrote out a check for $700.00. He hurriedly went back outside and, handing the check to Greg he said, "I would have asked you in but Tracey and Jake are still sleeping and I though it better if we talked out here. Anyway, here is the rest of May's rent. Sorry it took so long."
"Sure, Bob. that's fine.So, what's the problem? Will you be able to pay June's rent?"
Bob felt himself getting a bit annoyed. "Yeah, I can pay June's rent. That's not the problem. The problem is Bildot closed its doors yesterday. Went "belly-up". I'm officially laid off and I was thinking that maybe we could help each other out."
"Bildot is out of business. I can't believe it. What are you going to do?"
"Well, for starters, I was thinking that maybe I could do some work for you and credit it towards rent. I know I can get some work but that might take a bit of time. I have the truck so I can do some hauling and clean-ups. In the meantime, I could start working towards July's rent now. Whaddaya think?"
Greg took a breath and raised his eyes."Look Bob, I have four vacant houses and five tenants late with rent. I pay mortgages and insurance on all my properties. I need cash. This economy has everyone hurting , me included But, I'll think about it and we'll talk Tuesday when I come back for the rent. "
"Okay Greg, thanks. See you Tuesday."
As Greg drove away Bob felt a chill run down his spine. Forking over the other $950.00 on Tuesday was going to leave them in a terrible spot. This is exactly what Tracey was talking about the previous evening.
He slowly headed back into the house. Tracey, sitting at the kitchen table, immediately said, "You know, last night at Carmine's we never included in the money we owe, the phone bill, the cell phone bill and the three credit card payments that are past due. What about my car?"
"Tommy said the fuel pump is shot. It's a big job. We'll just have to wait on that. You can use the truck. Hey Tracey--- I need to have some coffee and think, okay. Can't believe it. Never thought about the phones." He poured some coffee into his mug and walked out to the backyard.
Next time: Episode #5; Running out of money
Episode 4: Meeting with the landlord.
It was 8 a.m. Saturday and Bob was sitting in Tracey's car listening to the singing of an engine not starting, waawaawaawaa. Tommy Parano, Bob's good friend and next door neighbor, came walking over. Tommy also happened to be a darn good auto mechanic. "Uh oh Bob, that don't sound good. Pop the hood."
It took Tommy ten minutes to figure out that the fuel pump was shot. "No pressure from the fuel line Bob. No pressure. The worst part is the pump is in the gas tank. It's a big job to replace it. .We'll have to get it into the shop."
"Well Tommy, not this week. Bildot closed its doors yesterday. I'm out of work. The car will have to wait."
"No way, man. I don't believe it. Bildot closed. You were laid off. Oh man, that stinks big time."
Just then a bright, red F-350 diesel pick-up with tandem wheels rumbled to a stop in front of the house. Bob said to Tommy, "Hey, that's my landlord. Look, we'll talk later."
As Tommy headed back to his house Greg Margolese slowly walked toward his tenant. Bob's insides sort of twisted because the usually friendly persona of Greg was nowhere to be seen. "Good morning, Bob."
"Hey Greg, you're up and about early for a Saturday."
"Yeah, well I have to take care of a broken water heater over on 72nd Terrace and I wanted to talk to you anyway so---I thought I would just stop by. You know Bob, you still owe me $700.00 for May and June 1st is Tuesday. You think you'll have the money?"
Bob suddenly felt intimidated and embarrassed. He had known Greg for a long time. The man owned 18 houses and Bob had helped him out many times getting him discounts on building supplies and personally doing minor repairs for him. He liked to think that they were friends first. But this Saturday morning was different. Greg Margolese was exhibiting a "business is business" attitude. Bob nervously said to him, "Uh---I was going to call you Greg. Truth is, I have a problem and---look, wait right here. I'll be right back."
Bob hurried into the house and wrote out a check for $700.00. He hurriedly went back outside and, handing the check to Greg he said, "I would have asked you in but Tracey and Jake are still sleeping and I though it better if we talked out here. Anyway, here is the rest of May's rent. Sorry it took so long."
"Sure, Bob. that's fine.So, what's the problem? Will you be able to pay June's rent?"
Bob felt himself getting a bit annoyed. "Yeah, I can pay June's rent. That's not the problem. The problem is Bildot closed its doors yesterday. Went "belly-up". I'm officially laid off and I was thinking that maybe we could help each other out."
"Bildot is out of business. I can't believe it. What are you going to do?"
"Well, for starters, I was thinking that maybe I could do some work for you and credit it towards rent. I know I can get some work but that might take a bit of time. I have the truck so I can do some hauling and clean-ups. In the meantime, I could start working towards July's rent now. Whaddaya think?"
Greg took a breath and raised his eyes."Look Bob, I have four vacant houses and five tenants late with rent. I pay mortgages and insurance on all my properties. I need cash. This economy has everyone hurting , me included But, I'll think about it and we'll talk Tuesday when I come back for the rent. "
"Okay Greg, thanks. See you Tuesday."
As Greg drove away Bob felt a chill run down his spine. Forking over the other $950.00 on Tuesday was going to leave them in a terrible spot. This is exactly what Tracey was talking about the previous evening.
He slowly headed back into the house. Tracey, sitting at the kitchen table, immediately said, "You know, last night at Carmine's we never included in the money we owe, the phone bill, the cell phone bill and the three credit card payments that are past due. What about my car?"
"Tommy said the fuel pump is shot. It's a big job. We'll just have to wait on that. You can use the truck. Hey Tracey--- I need to have some coffee and think, okay. Can't believe it. Never thought about the phones." He poured some coffee into his mug and walked out to the backyard.
Next time: Episode #5; Running out of money
June 29, 2011
"Grippers" #3 (how to get homeless without even trying)
Recap: #1, Bob Slider is laid off; #2 Tracey loses her unemployment. (scroll down for these episodes)
Episode 3: Confronting finances over beer & pizza
When Bob returned home the first thing Tracey asked him was, "Did you talk to coach?"
"He pulled in behind us. He was late too. Jake is fine. Stop worrying."
"Okay, that's good. His worrying wears me out sometimes. Look Bob, we have to talk about money."
"I know Tracey, I know. I know all about it. I live here too."
"Well, you don't have to get nasty about it."
"Tracey, for God's sake, I was laid off today, I get home and find your car is broke down and then you tell me you were cut off unemployment. Cut me some slack, all right? Hey look, let's go to Carmine's and get a pizza. We can talk there plus, it might be good to get out of here for an hour or so. Then we'll head over to Jake's game. What do you say?"
She agreed and, as they got into the truck, Bob paused and looked over at her car. "I'll check your car in the morning. Can't worry about it right now."
Carmine's Pizzeria was doing their usual brisk, Friday night business and Bob and Tracey were only able to get a table for two in the middle of the dining area. "I really wanted a booth. We need some privacy."
"It will be all right, hon. We'll talk low."
Bob ordered two beers and a pepperoni pizza. As they took their first sips of beer Tracey asked, "So, how much money do we have?"
An astonished look covered Bob's face. "Are you kidding me? You always know down to the penny how much money we have. Why would you ask me that? Didn't you check the on-line balance this morning? We have direct deposit, don't we?"
"Remember the storm the other night? The computer is fried. There was no way to check anything on-line.They cut my unemployment. Remember?"
"Okay, yeah, but I didn't understand exactly what happened with this unemployment thing."
"Very simple. I was supposed to sign in, on-line, by yesterday, to stay certified. Our computer did not work. So, their computer automatically kicked me out of their system. I finally got through by phone this afternoon and I was all ready to run over there and--- Oops--my car did not start. Now I have to wait until Monday to re-apply. I guess we can go together and apply."
"Well, don't think for a minute that I will need to get unemployment. I WILL be getting work. You just watch."
"Well, how much money did you get today? I think there was about $400.00 left in checking."
"Well, my stub said they deposited $876.34 and then I was given an extra $500.00 as sort of a severance pay. So I guess we have about $1775.00. Plus, we also have about $900.00 left in savings. So a total of about twenty six hundred. We're okay."
"Oh my God, Bob. Are you kidding me. this is a disaster. Tuesday is June 1. We still owe Mr. Margolese $700.00 for May's rent. Add in June and it is $1650.00 we owe just for rent. Electric is $276.00 and that is after a ten day extension and is due Tuesday or they can shut off our power and the car insurance is due and that is $158.00 and don't forget the May truck payment of $278.00 and now two payments will be due." Tracey paused and was adding the numbers on a napkin. Suddenly she had tears coming down her cheeks. "If we pay all of our bills we won't have a penny to our name. Oh my God, we could lose everything."
"Stop it Tracey, just stop it. I am not crippled. I will get work. We'll be okay. Plus, Greg Margolese is a good guy. Maybe I can do some work on some of his houses.He'll understand our situation. Don't worry. We'll be fine."
Bob's confident demeanor was calming his wife. He knew that they had not even discussed money for food, Tracey's car repair, Jake's medicine, gas for the vehicles, and the water bill. Heck, Jake was growing and they went through at least five gallons of milk a week. That was $75.00 a month right there, just for milk. On this particular Friday something else was going on with Bob Slider. Hiding inside the big, burly. tough looking man, was a cowering and suddenly very insecure little boy.
Next time: Episode 4; Dealing with the landlord
Episode 3: Confronting finances over beer & pizza
When Bob returned home the first thing Tracey asked him was, "Did you talk to coach?"
"He pulled in behind us. He was late too. Jake is fine. Stop worrying."
"Okay, that's good. His worrying wears me out sometimes. Look Bob, we have to talk about money."
"I know Tracey, I know. I know all about it. I live here too."
"Well, you don't have to get nasty about it."
"Tracey, for God's sake, I was laid off today, I get home and find your car is broke down and then you tell me you were cut off unemployment. Cut me some slack, all right? Hey look, let's go to Carmine's and get a pizza. We can talk there plus, it might be good to get out of here for an hour or so. Then we'll head over to Jake's game. What do you say?"
She agreed and, as they got into the truck, Bob paused and looked over at her car. "I'll check your car in the morning. Can't worry about it right now."
Carmine's Pizzeria was doing their usual brisk, Friday night business and Bob and Tracey were only able to get a table for two in the middle of the dining area. "I really wanted a booth. We need some privacy."
"It will be all right, hon. We'll talk low."
Bob ordered two beers and a pepperoni pizza. As they took their first sips of beer Tracey asked, "So, how much money do we have?"
An astonished look covered Bob's face. "Are you kidding me? You always know down to the penny how much money we have. Why would you ask me that? Didn't you check the on-line balance this morning? We have direct deposit, don't we?"
"Remember the storm the other night? The computer is fried. There was no way to check anything on-line.They cut my unemployment. Remember?"
"Okay, yeah, but I didn't understand exactly what happened with this unemployment thing."
"Very simple. I was supposed to sign in, on-line, by yesterday, to stay certified. Our computer did not work. So, their computer automatically kicked me out of their system. I finally got through by phone this afternoon and I was all ready to run over there and--- Oops--my car did not start. Now I have to wait until Monday to re-apply. I guess we can go together and apply."
"Well, don't think for a minute that I will need to get unemployment. I WILL be getting work. You just watch."
"Well, how much money did you get today? I think there was about $400.00 left in checking."
"Well, my stub said they deposited $876.34 and then I was given an extra $500.00 as sort of a severance pay. So I guess we have about $1775.00. Plus, we also have about $900.00 left in savings. So a total of about twenty six hundred. We're okay."
"Oh my God, Bob. Are you kidding me. this is a disaster. Tuesday is June 1. We still owe Mr. Margolese $700.00 for May's rent. Add in June and it is $1650.00 we owe just for rent. Electric is $276.00 and that is after a ten day extension and is due Tuesday or they can shut off our power and the car insurance is due and that is $158.00 and don't forget the May truck payment of $278.00 and now two payments will be due." Tracey paused and was adding the numbers on a napkin. Suddenly she had tears coming down her cheeks. "If we pay all of our bills we won't have a penny to our name. Oh my God, we could lose everything."
"Stop it Tracey, just stop it. I am not crippled. I will get work. We'll be okay. Plus, Greg Margolese is a good guy. Maybe I can do some work on some of his houses.He'll understand our situation. Don't worry. We'll be fine."
Bob's confident demeanor was calming his wife. He knew that they had not even discussed money for food, Tracey's car repair, Jake's medicine, gas for the vehicles, and the water bill. Heck, Jake was growing and they went through at least five gallons of milk a week. That was $75.00 a month right there, just for milk. On this particular Friday something else was going on with Bob Slider. Hiding inside the big, burly. tough looking man, was a cowering and suddenly very insecure little boy.
Next time: Episode 4; Dealing with the landlord
June 22, 2011
"Grippers" #2 (how to get homeless without even trying))
Recap: Episode #1 --Bob Slider is laid off (click on "grippers" tab to view)
Episode #2--Tracey has more bad news
Due to a "fender-bender" on US 19, Bob was a half-hour late and did not get home until 6 p.m. Jake was nervously pacing back and forth in the driveway dressed in his baseball uniform. Bob had not even turned off the engine before Jake was standing by the window, all hyper. "Dad, where have you been? I'm supposed to be at the field by six. We gotta leave right now."
"Hey Jake, slow down. Slow down. Why didn't mom take you?
"Her car won't start."
"Oh great, just what I need. Okay, wait here. I have to talk to your mother. I'll be back in a minute."
"But dad, coach said---"
"Stop it Jake. Just stop. Now, wait here and I'll be right back. Don't worry, I'll talk to coach."
Jake's lips tightened, he folded his arms and leaned against the truck. Bob headed into the house glad that Jake was outside. His ever present smile was missing but Tracey did not seem to notice. She just started speaking. "Where have you been? My car won't start and you're not going to believe it but it is so nuts and---"
"Whoa, Tracey, slow down. I can always fix the car."
"I don't care about the car."
"Well then, what? What is going on?"
"What's going on? I'll tell you what's going on. They cancelled my unemployment because of that thunderstorm when our power went out and I didn't sign in on line on time and their computer kicked me out of their system and I don't even know if I can get it back and---oh my God, what a disaster. I needed that money for grocery shopping. Boy, I wish they would start giving you 40 hours again. This is getting a bit scary."
Bob was stunned and seemed to go into a bit of a daze. Only six months earlier the two of them had been bringing over $4300.00 a month into the house. Then Tracey's company "downsized" and a new computer system replaced her and eight other people who were suddenly considered
non-essential. Tracey's take home pay went from almost $1500.00 a month down to $126.00 a week in unemployment benefits. In less than six months the family's monthly income had been reduced by over $2300.00. Hack off another $504.00. Now it was over $2800.00 a month less. They were already one rent payment behind, had missed a truck payment and were at the end of a two week extension on their delinquent power bill. The car insurance was due, May was ending and June was only three days away. Inside Bob's head it was like a "demolition derby" as all of these thoughts crashed into each other in a matter of seconds. All he could say was, "Huh?"
"You heard me, Bob. They cancelled my unemployment."
Jake came into the house. " Dad, we have to LEAVE. I'm so late. I won't even be able to play."
Bob turned and snapped at his son, "Jake, I told you to wait outside so just do what I told you. I'll be there in a minute. I said I would talk to coach. Now, don't worry and just go outside and wait, okay?"
Jake stomped out in a huff and Tracey said, "We really needed that money for food. Your check was going to cover the electric bill and a partial rent payment. Plus, Jake needs his inhaler and that's $68.00. Mr. Margolese has been real good about the rent but we have to pay him something now. The new month is next week."
"C'mon, Tracey. We're in this house 12 years. I have maintained it for him, paid for repairs out of my own pocket, even repaired some of his other houses. It's like our own house."
"Oh Bob, that sounds so nice but the fact is--it is NOT our house."
"He's a good guy. I'll talk to him."
"Look, you better get Jake over to his game. Then come back and we'll talk about this. So, tell me, why do you have that funny look on your face. Is there something you're not telling me?"
Bob rolled his eyes upward, tightened his lips and breathed deeply through his nose. She could always see right through him. "Look Tracey, I may as well tell you right now and get it over with."
"Tell me what?"
"Bildot closed down today. Out of business. I don't have a job."
"Oh my God, oh my God."
Next time: Incident #3 Trying to pay the bills
June 15, 2011
"Grippers" #1(how to get homeless without even trying)
Episode #1 Meet the Slider Family
Bob Slider is a 37 year old, blue-collar, happy-go-lucky, hard working guy who loves his family, enjoys taking care of his house and yard, plays fantasy football, drives a pick-up truck and loves a "cold one" now and then. He and his wife, Tracey, and their 12 year old son, Jake, live in a modest, three bedroom, one and a half bath house in Pinellas Pines, FL., a town located in the Tampa Bay area bordering St. Petersburg. High school sweethearts, Bob and Tracey have been married for 14 years.
Bob is an assistant manager at Bildot Building Supply, one of the largest suppliers of commercial tools and construction equipment and materials in the area and he has worked for the company for 16 years. However, as the economy sputtered and and construction slowed, Bildot immediately felt the squeeze. As things rapidly got tighter and tighter Bildot, within a nine month period, was forced to lay off 16 workers leaving a crew of 12. But things went from bad to worse and, on this particular Friday, the beginning of the Memorial Day weekend, James Bildot called the remaining employees together and, with tears in his eyes, announced that effective immediately, Bildot Building Supply was closing its doors for good. After 55 years, the company was going "belly-up". Just like that Bob Slider and his co-workers became statistics. They were unemployed. Bildot too, was a statistic--just another company that had failed
Bob had earned $16.00 an hour and, for years, averaged 48 hours a week earning more than three grand a month. Hours had been gradually reduced and for the past two months he had been working 30 hours a week, sometimes less. After deductions he was bringing home less than $400.00 a week. As he and his co-workers drove away from Bildot it was as if everything was moving in slow-motion. Bob gave cursory waves to the other guys and choked back an unexpected tear. This place had been like a second home and just like that it was gone. It was almost like someone close had suddenly died. Fear of the days ahead suddenly grabbed Bob Slider in a choke hold. He could not breathe.
Next time:Incident #2 Tracey has more bad news
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