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The Story of Lori

Started by Lori Dee, February 23, 2024, 09:53:26 AM

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Northern Star Girl

#420
@LoriDee
Dear Lori:
The IRS can audit you more often for specific issues...  in that case,
they are not limited to the 3 year rule.
The 3 year rule only applies to "random" audits and if the audit reveals
irregularities, you end up on the "scrutiny" list and can be audited again.

HUGS, Danielle
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Lori Dee

@Northern Star Girl

Ah yes, thank you. I forgot about that.
Yes, as in the case of suspected fraud.

One of the times I got audited, it turned out they were not even investigating me. They were investigating the owner of the business on some investment thing that he was only tangentially involved with. My account got flagged because I marked the form as "Self Prepared" but it was submitted with his e-file code. When I explained that I worked there and did my own return, they understood and left me alone. I still screwed them the following year because I was immune to random audits.  ;D
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Sephirah

Thank you, both, for your explanations. That is very enlightening. See... in the UK, unless you're self employed, your employer takes care of all your taxes for you. In a scheme known as PAYE (Pay As You Earn). You literally don't even have to think about it. Your taxes are deducted from your wages each month before you even get them. You never even see a form or have to send anything to HMRC (our version of the IRS). For people working for someone else in the UK, the idea of doing their own taxes is utterly alien.
Natura nihil frustra facit.

"You yourself, as much as anybody in the entire universe, deserve your love and affection." ~ Buddha.

If you're dealing with self esteem issues, maybe click here. There may be something you find useful. :)
Above all... remember: you are beautiful, you are valuable, and you have a shining spark of magnificence within you. Don't let anyone take that from you. Embrace who you are. <3
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Lori Dee

Quote from: Sephirah on July 27, 2024, 06:27:51 PMin the UK, unless you're self employed, your employer takes care of all your taxes for you. In a scheme known as PAYE (Pay As You Earn). You literally don't even have to think about it. Your taxes are deducted from your wages each month before you even get them. You never even see a form or have to send anything to HMRC (our version of the IRS). For people working for someone else in the UK, the idea of doing their own taxes is utterly alien.

Our taxes are deducted from our pay also. I think the difference is that we file a return to get some or all of the taxes back. Sounds like that is not the case there. Now, this only applies to Income Tax. Social Security tax is taken out of your pay and you don't get it back.
 
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Sephirah

Quote from: Lori Dee on July 27, 2024, 09:19:32 PMOur taxes are deducted from our pay also. I think the difference is that we file a return to get some or all of the taxes back. Sounds like that is not the case there. Now, this only applies to Income Tax. Social Security tax is taken out of your pay and you don't get it back.

No that's not the case in the UK. No one in the employ of someone else ever has anything to do with HMRC. All our taxes are lumped into one thing. Income tax and National Insurance {which is the tax everyone in the UK pays to make sure our healthcare is free for everyone who needs it). Unless they send you a letter to say you've paid too much tax and they owe you. You never owe them. It's always the other way round, because we have here what's called "Emergency tax". It's what you pay when they can't work out how much you should actually be paying. So you pay the maximum amount while they work it all out. Then when they have, they give you back everything you've paid in excess.
Natura nihil frustra facit.

"You yourself, as much as anybody in the entire universe, deserve your love and affection." ~ Buddha.

If you're dealing with self esteem issues, maybe click here. There may be something you find useful. :)
Above all... remember: you are beautiful, you are valuable, and you have a shining spark of magnificence within you. Don't let anyone take that from you. Embrace who you are. <3
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Lori Dee

OK, I understand now. Thanks.
My Life is Based on a True Story
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Lori Dee

The Bumblebee

I spent my morning meditations today, as I usually do, with a walk in Nature. I enjoy observing things that Nature provides for us and thinking about what we can learn from them.

This morning several bumblebees were working on flowers of some weeds that have grown quite tall. They seemed impervious to my close observation. They just went about their business, apparently without a care in the world. A smaller bee would attack the bumblebee to try to get it to leave the flower, but the bumblebee just shook it off and continued.

The bumblebee is an accepted part of Nature. It provides vital functions to the ecosystem. Sure, it has predators that will kill it. But it appears common knowledge that if you provoke it, you will suffer the consequences. And yet this bee repeatedly fended off the attacks by the other bee and just got on with living his own life.

Humans are homeostatic in that we resist change. We try to just get along and go about our business. But there are always those other "bees" attacking us and trying to disrupt what we are doing. It is none of their business. So do we just shake off their attacks and keep on keeping on? Or do we unleash the full power of our wrath and make them suffer the consequences? There will always be new predators waiting in line to take their place for a chance to attack us.

The bumblebee just kept his head down and went about living his life, ignoring anything that did not stop him from being a bee. Maybe that is the answer. Just keep on bee-ing.

"Your only obligation in any lifetime is to be true to yourself. Being true to anyone else or anything else is not only impossible, but the mark of a fake messiah. The simplest questions are the most profound. Where were you born? Where is your home? Where are you going? What are you doing? Think about these once in awhile and watch your answers change."  ~ Richard Bach, Illusions: The Adventures of a Reluctant Messiah
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Emma1017



Lori that was was lovely.  Thank you for sharing.  I feel that natural harmony on the water.  We have dolphins that I love to watch whenever they show up.  More fun than the sharks lately... :D


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Lori Dee

@Oldandcreaky

Quote from: Oldandcreaky on July 28, 2024, 03:07:37 PMLori, I'd like to hear the story of losing your home if you don't mind sharing.

I don't mind.

I had purchased the home while it was in foreclosure, so I got a good deal on it. It is in a very small town in IL so I qualified for the USDA Rural Development Program.

I contacted my local bank and was approved for the loan. The bank told me that they do not service these types of loans, so would likely sell my Note to another bank that does that sort of thing. I agreed.

The loan was closed and after a few months, I received a letter from the bank notifying me that the Note for the loan had been sold to Countrywide Financing. They included a certified copy of the Note showing it was signed by officers of the local bank and Countrywide. I made every payment after that to Countrywide.

If you have seen the movie, "The Big Short" you will know what happened next. The housing market collapsed and Countrywide went bankrupt.

I contacted Countrywide and asked how I continue making payments. I also contacted an attorney friend and asked about my obligations considering the mortgage company was out of business. The attorney friend said that I had two options: continue making payments as usual, but make certain to document them, such as by certified mail signature required, or I could just wait for them to reply with instructions.

I sent my payments by certified mail with a return receipt and signature required. Two months went by and I received a call from a collection agency. They claimed that they represented Bank of America about my past due mortgage payments. I have a couple of years of experience in the legal department of a national collection agency, so I told him that I was disputing the bill and demanding proof. They followed up with a letter (Demand Notice) and I replied in writing reiterating my dispute that I have no account with Bank of America, and never have. I refuse to do business with Bank of America.

Next, I received a Notice of Intent to Foreclose. I also received a letter from Bank of America stating that they did not own the Note but were the servicing agency that would be handling my account. All future payments were to be made to them. I demanded that they provide any document signed by Countrywide giving them the authority to do so. They never did.

When I received my summons to appear in court, I filed an answer to the complaint stating that I have no account with Bank of America and that Bank of America has shown no proof that they own the Note. Under IL State law only the owner of the Note can file for foreclosure. That ownership document must be provided to the Court at the beginning of any foreclosure proceedings. They did not.

I stopped sending payments to Countrywide because the certified letters went unclaimed and were returned by the post office. I submitted them to the court, unopened, as evidence that I had been making payments. I also provided a copy of the letter from Bank of America stating that they did not own the Note but were only the servicing agency.

When I appeared in court, my defense remained that I have no account with Bank of America and that Bank of America has not shown evidence that they own the Note. The three attorneys representing Bank of America claimed that my Note was purchased from Countrywide by Bank of America in a batch sale of such Notes. I asked to see a Proof of Sale. I was ignored.

This went on like this during each court hearing every 90 days. I asked my friend what I should do and he said to stay the course. At least I was living in the house for free.

I went to the Court Clerk's Office and asked to see the Note that was filed with the complaint forms. I wanted to make sure that they had not filed some document that I didn't know about. It was the same copy of the Note that I had been given that showed Countrywide as the Note owner.

At almost the last hearing another group of two attorneys joined the Plaintiff Party. They represented some remote property holdings company and they asked the judge to join the suit as co-Plaintiffs. The grounds for the request was that Bank of America had now sold my Note to them. As the new owners of the Note, they wished to proceed with foreclosure. The judge allowed it. I objected because Bank of America had yet to prove they owned the Note. They cannot sell property that they do not own. Again, I was ignored.

Bank of America had themselves removed from the proceedings and the foreclosure continued with new plaintiffs. They immediately moved for judgment and the judge ordered it and gave me 90 days to vacate. The property was then auctioned off and sold for precisely the amount shown that was still owed on my Note. I contacted the Judiciary Oversight Committee and filed a formal complaint against the judge for ignoring State Law during the proceedings. Nothing ever came of it.

About three months after the house was sold, I was at the courthouse for some reason I don't recall. I stopped in at the Registrar of Deeds office and requested to see all deeds registered for that property over the past ten years. The most recent entry was one showing Bank of America selling the property to the holding company. No one seemed to notice that there is no record of Countrywide selling it to Bank of America.

I have never purchased a home since then, and probably will not. When your only course of action against a corrupt corporation is the legal system and it too is corrupt to the core, I choose not to play by those rules.
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Lori Dee

Today's rock tumbler cleanout produced some nice surprises.

Somewhere I had posted a picture of a piece of Sunstone. Sunstone gets its name from mineral inclusions like copper. The bits of copper reflect light when held at certain angles. That shine is called a "flash". In Sunstone, the copper flash is a gold/orange color.

The flash is hard to see in this picture, but it is toward the bottom and you can see sparkles to the left side.



In this latest batch of rocks, I polished up some Moonstone. Moonstone has a blue flash sort of like moonlight.




Then there are some small pieces of Moss Agate, which is clear agate with green dendrite inclusions that look like moss.




Then a piece of Citrine with some gold flash happening.



Then one of my favorites is the gold flash of Tiger Eye, which is caused by the alignment of mineral fibers within the stone.



I just love this stuff. Now to turn it into jewelry!
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Oldandcreaky

Gosh, that's a sad story, Lori. It seems like you did everything right and it all came out wrong.

I do love your polished stones. I can see why you love them too. Do you have any "before" pics?
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Lori Dee

I used to do "before" pics, but very often the stone just doesn't make it through the process. Sometimes the stone will break, and develop fracture lines, pits, and things that make it an unsuitable candidate for the final polish. Now I just take pictures of the graduating class, then another picture once it is made into jewelry or a paperweight.

One of the "less than desirable" stones was given to me by a friend who wanted it polished. It didn't turn out badly, just not really jewelry grade. His mother asked if I could make it into a keyring for him. He would like that, so that is the road that one will follow.

I do have a batch in the tumbler now just getting started. I took before pics of those because I have no idea how they will turn out. I have never tumbled this type before. They are a form of chalcedony that forms here locally in plates, like pieces of frosted glass. I expected them to be quite fragile, but so far they have turned out to be durable. So we will see over the next few weeks what happens to them.
My Life is Based on a True Story
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Oldandcreaky

Can you share one before photo of any stone? I'm curious how you descry the potential in a rock? Is it purely your expert eye and is a stone with potential something an untrained eye like mine might spot?
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imallie

That Tigers Eye is stunning! What will you make of it?

As for your story... it's heartbreaking.

Do you mind if I ask a delicate question? It seems like you chose not to retain counsel for all of this, is that correct? May I ask why? Believe me, as a former attorney I know more than some about what's wrong with our legal system... but I also have some dear friends who are dedicated to their job and really good at it. And even with my background, if I were in a dispute I would retain counsel, just because sometimes you don't get in the game unless you have a player in uniform.

Not, by the way, that this would necessarily have made any difference (except making you lighter in the purse)... but I am curious as to why you didn't at the start, or any any point during that sh*t show you were forced to endure.

Love,
Allie
 
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Lori Dee

Quote from: Oldandcreaky on July 28, 2024, 08:09:51 PMCan you share one before photo of any stone? I'm curious how you descry the potential in a rock? Is it purely your expert eye and is a stone with potential something an untrained eye like mine might spot?

The first thing to look for is: "Do you like it?" Is there something that appeals to you, such as shape, color, clarity, patterns like banding, and so forth? If you like the shape, tumbling it will knock off any rough edges and smooth them out. So things like crystals are not good candidates as it would ruin the shapes of the crystals.

Next is the type of stone and this is tied to the stone's hardness. The Mohs Scale ranks stones from Talc (1) to Diamond (10). If you know the type of stone, you can determine its hardness. If you don't know, you can test it. If you can scratch it with a fingernail, it is soft, less than 2.5 hardness. If you can't scratch it with a fingernail but it scratches with a copper penny, it is less than 3.5, and so on. I use a steel nail or a file (6.5 hardness). If it scratches, it will need a closer look and may be too soft. If it doesn't scratch it is in the 7.0 range which puts it in with quartz, jaspers, and agates. The harder a stone is, the better it will take a nice shine.

Testing the hardness is the best way to go unless you know exactly what the stone is. Some stones can be bought on the internet or in reputable rock shops but they use "trade names" to make them more marketable. But the names are very misleading.

This stone is marketed as "Pimento Jasper" or "Fruit Jasper". I had many issues with it, so I did some research. It is not Jasper at all. It is called Sabalgarh Marble and it is from India. Marble is a soft stone, which is why it is used in sculpture (it is easy to carve).



Because it is porous, the polishing grit darkened the color. Because it is soft, much of the stone's mass wears away very quickly. The porosity also prevents it from taking a shine. I had to spray it with clear acrylic to seal it and make it a little more durable.

This is called Fuchsite, also called Chromium Mica. It is very soft (4 -5 hardness).



The mica gives a nice silver shine, but the stone is quite porous and flakes off under pressure. I had to polish this by hand so I could control the outcome. I have since learned that soft rocks are often not used in jewelry because they are not durable enough. Jewelry gets dropped and knocked around and soft stones can't take any abuse.

This is a piece of agate. Agates rank at 7.0 hardness. The only things harder are Topaz( 8 ), Rubies and Sapphires(9), which are the same stone just different minerals change the color, and Diamonds(10).



Notice that the grit did not change the shape much. Agates are a 7 hardness and the grit we use is about a 9.25 hardness. I did not leave it for a full cycle so that I could preserve the shape. Then I moved it into the smoothing and polishing phases for the final finish.

I belong to a few rockhounding and rock-tumbling forums and we often get questions from members to identify rocks that they have found. People far more experienced than I can usually tell if it is a good candidate for tumbling. If I have doubts, I throw it in the tumbler for a week and see what happens to it. Sometimes disaster, sometimes treasure.

I also have rocks that I consider too precious to risk in a tumbler, so I either hand-polish them or leave them as they are. I have a candy dish that my late uncle made when he worked in a bronze foundry. That candy dish is filling up with stones that won't go in the tumbler.

One last thing is size. The tumbler reduces the mass by as much as 25%. So if you start with pebbles, you will end up with sand. But you also can't go too large either. It must fit in the barrel of the tumbler with enough room for medium and small stones to roll around with it. My barrels have a 3-lb capacity. I have 3 machines running a total of five barrels at once. So I am tumbling 15 lbs of rock 24/7. It is the stones rubbing and sliding against each other that give the grit its abrasive power. Fill it too full and the rocks can't roll and slide. Not filling it enough will cause the rocks to get thrown around (think clothes in a dryer) and the rocks will get chipped and broken. I like golf ball-size stones, as they end up just the right size. Any bigger and I "resize" them with a 3-lb sledgehammer. If that would ruin it, it doesn't get tumbled.

I know a few people who choose only rounded stones, like you find in rivers or on lake shores. Mother Nature has already shaped them and sized them so they can skip the first stage and move right to smoothing and polishing. Some people have found some amazing rocks in their driveway or landscaping stones. Another guy uses Google Earth to locate houses with rock-covered roofs. He gets permission from the owner and climbs up. He has found some great stones there too.

The nice thing about rockhounding is there is never a shortage of rocks.  ;D
My Life is Based on a True Story
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Lori Dee

Quote from: imallie on July 28, 2024, 09:09:35 PMDo you mind if I ask a delicate question? It seems like you chose not to retain counsel for all of this, is that correct? May I ask why? Believe me, as a former attorney I know more than some about what's wrong with our legal system... but I also have some dear friends who are dedicated to their job and really good at it. And even with my background, if I were in a dispute I would retain counsel, just because sometimes you don't get in the game unless you have a player in uniform.

Not, by the way, that this would necessarily have made any difference (except making you lighter in the purse)... but I am curious as to why you didn't at the start, or any any point during that sh*t show you were forced to endure.

Mostly financial reasons. I did talk to my friend by phone for advice. He was out of state so not available. My experience in the legal department of a collection agency and the advice from my friend, and we believed it was a slam dunk on our end. They can't collect on a debt that isn't theirs. And the law is clear that they must show that they own the debt. Simple. Case dismissed.

As it went on, I kept checking in with my friend and he felt the same as I did that my defense was solid. He even told me to submit a Discovery to demand they show ownership documents. The judge dismissed my motion saying we were already past that phase, whatever that meant. I was just amazed that I kept being ignored. But like you said it goes better when you have a player in uniform.

My honest suspicion is the judge took a bribe. I can't prove it, but he seemed very chummy with the three attorneys from BoA. When they spoke, he listened carefully to what they said. When I spoke, he was usually doodling or busy doing something more important than listening to the defendant.

Oh well. The Land of Lincoln is now the Land of Corruption.

Fun Fact: For the fourth year in a row, Chicago is America's most corrupt city, and Illinois is the third-most corrupt state, according to a new report from the University of Illinois at Chicago. (As of Nov 3, 2023)

Bonus Facts: New figures from a WLS-TV report found Illinois has tallied 891 public corruption convictions since 2000, more than any other state. This does not include the guilty plea filed Jan. 28 by former state Sen. Martin Sandoval for bribery and tax fraud.

Last year, the University of Illinois at Chicago compiled U.S. Department of Justice data from 1976 to 2017 and found the U.S. District Court for the Northern District of Illinois had 1,730 federal corruption convictions: more than any other district court in the country.

And no other state has seen four of its past 10 former governors go to prison.

Feb 20, 2020 Report

The best advice I ever received came from my cousin who said, "Vote with your feet and get out of there."

My Life is Based on a True Story
Veteran U.S. Army - SSG (Staff Sergeant) - M60A3 Tank Master Gunner
2017 - GD Diagnosis / 2019- 2nd Diagnosis / 2020 - HRT / 2022 - FFS & Legal Name Change
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Lori Dee

#436
Quote from: imallie on July 28, 2024, 09:09:35 PMThat Tigers Eye is stunning! What will you make of it?

It will become a necklace pendant. I am not sure how I will wrap it. I like it horizontal as shown, but pendants hang better vertically. When I start a new piece, I turn the stone around at different angles and in different lighting to see what gives the best flash. Also to determine which face will be the front of the stone. If they have blemishes, I put those in the back. Sometimes the feature and the blemish are on the front, so I look to see if I can conceal the blemish with the wire while still showcasing the feature.

I am still learning and exploring my creative side. I have never really had any art talent. Always good at storytelling, but never art. My grandmother once told me that when I was in the fourth grade, I would write short stories and send them to her. I don't recall that, and she is gone now. So now I am exploring the artsy-crafty side to expand my horizons, and I enjoy it.
My Life is Based on a True Story
Veteran U.S. Army - SSG (Staff Sergeant) - M60A3 Tank Master Gunner
2017 - GD Diagnosis / 2019- 2nd Diagnosis / 2020 - HRT / 2022 - FFS & Legal Name Change
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davina61

I just like making things, being a trained mechanic leaves me short of skills for crafting. Panel beating and body work skills I have picked up from working with folks and just doing my own stuff. I think I have got better, I like making the steam punk style lights. Stones look great, getting the settings to work is the hard bit!
a long time coming (out) HRT 12 2017
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Lori Dee

Quote from: davina61 on July 29, 2024, 03:41:01 AMStones look great, getting the settings to work is the hard bit!

That is true. I like the wire wrap technique because I can wrap any stone. The hard bit is wire gauge and color selection, then figuring out what design to make while wrapping. With limited experience, my wraps look similar, but it is the stone that is unique.
My Life is Based on a True Story
Veteran U.S. Army - SSG (Staff Sergeant) - M60A3 Tank Master Gunner
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Oldandcreaky

Lori, I do think, as Shakespeare nearly wrote, that something is rotten in Illinois. I hate that they took your home from you. You truly loved it, as evidenced by your improving it.

Thanks for teaching me about stones. Does you tumbler draw a lot of energy?
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