Hi Susan! Dont feel bad about not being to find your email on the Gardenweb site... cause we dont have an email feature on the actual site. When you send an email on the site it is forwarded to the persons personal email account. Like yahoo... hotmail... etc. :) So if you are looking for a email from someone it should be at your personal email account. When you sign up or edit your member page you put an email address in there... that is the email account all emails that people write you will go. I am sending you an email now to your personal email account through gardenweb. Be sure to check your spam folder some email accounts send it there. I hope this helps! Sincerely, Vanessa

I got only SSI because the judge ruled that my disability started more than 5 years after I quit working. I quit working in 1996. The judge ruled that my disability didn't start until 2002. So it was ruled that my disability had started more than 5 years after I last had a job. This 5 year limit made me inelegible for disability benifits. But I was still elegible for SSI. SSI is based on household income. So Cindy can only make a certain amount before my SSI check is reduced. SSI is a maximum of $521 per month. If Cindy makes over $600 in a month, then that amount is reduced for us. The $600 amount is derived from a formula that takes into account household expenses such as rent, utilities, child support, etc. They base each month's check on what household income was last year. Or what it is projected to be. And we have to periodically send in Cindy's paycheck stubs. If they estimate a month high, and Cindy's actual income is lower, they will make it up. This month, based on last years income, I only get a little over $300. But Cindy will still make under $600. So sometime in the next few months they will send us the difference between this month's check and $521. You SSI and disability checks are retroactive. The payments will be for the period of time from the day your disability started. So if it takes 2 years to go thru the process of applying, you will get the payments for all that time back to when you became disabled. If you get approved you will get a really big backpay check at the beginning. This will be the back pay. They split mine into two checks. If you used a lawyer to help with your claim, he can only charge up to 25% of the backpay. You will get a letter from SS telling you how much he can charge you. I was told it is very hard to get approved for a physical disability. The questions for them is "is there any job you can do". They consider if you can sit at a desk and work then you can get a job. The standard was even higher for when I applied to have my student loans discharged because of disability. They told me unless you are comatose you can forget it. I was denied and I am going to see what other options I have. Pooh Bear

Kath, glad you got your email back. About Firefox 10.0.2. Is that what you had, or did you update it along with Thunderbird? Wondering what caused your problem. I don't know whether to get the update or not. I'm sure Alex will do well on the test. OJ, I had that same problem with Gmail. I use Yahoo now. There is a definite Love-Hate relationship with our computers. Sue

Yes, we did have a purchase contract that we submitted to BOA. The buyers were willing to wait 2 months for an answer. They asked for nothing. It was a clean deal. This statement is correct" "No, the seller signs and then you try to convince the note holder to release the lien for less than the balance (a short sale)." There was NO way to know if BOA would accept it or not. They wanted nothing to do with the process until we had a buyer. We had a contract signed by both us, the sellers, and the buyers. We spoke to the negotiator. Get this, she said we have good credit and we are not behind on the payments. We told her we haven't made payments since January. She said she doesn't have access to that information. What the heck? So she made a decision based on old information and because one department doesn't talk to another, they think we are still making payments. I called corporate headquarters and filed a complaint. Now we have someone helping us along. They cannot make the SS go through but they are our point of contact. She can delay foreclosure, supposedly. We decided to do a deed in lieu, but they want us to go through the entire process again (all new paperwork, statements, tax returns, etc.). AND, the house has to be for sale. OK, so it's been for sale, we got an offer, they rejected it. Why in the world would a realtor put anymore time and effort into this house and keep it on the mls when they know no contract will be accepted?