NF Crisis not over yet but improving

My Life, My Mortgage
Nite Flirt Crisis / Updates

MY LIFE:

Insomnia: Okay, this is what several nights of insomnia get you! I stay up all night, writing and bitching and whining, until I've written a whole book for you to read. I'm having some bad bouts of insomnia right now, as I struggle to get my finances and other life yearnings in order. So you may want to skip reading this, unless you are really, really bored, or just totally enamored with your Mistrress! *big grin* Yes, there's a little begging, a bit of whining, and some "trying to make the best" of things. So, I'm not going to say "enjoy!" *lol*

The Good: Starting in January 2010, I'm going to be saving a lot of money as I allow my home to go into foreclosure, and then bankruptcy to clear the mortgage and equity line loans. I'll be living rent free from January to May, and I'll be able to save up quite a bit so my savings should look good again by the middle of next year. Hey! I have to find rainbows on the horizon where I can get them these days. It's not much but it's something. I'm losing my home and this is better than sitting on the front porch crying. No matter what has happened to me in the past, each bad event has lead to a better ending. I'm hoping this one does the same thing.

The Bad: Things have certainly changed with the unexpected Nite Flirt shut-down and remodel. It just caught quite a few of us at a really bad time. We are still shaking our heads and wondering "What were they thinking?" when they decided to do this during the midst of a deep recession. I was the last wage earner left working in the house, and now NF screwed that up. Sadly, I won't be saving my house. I wanted to sell it, and had planned to do so about two years ago, but alas, I waited a bit too long. The market fell, my house depreciated, and if I could hold out for another 5 years or so, the value might come back up enough. But I can't hold out that long in this recession and with Nite Flirt's "straw that broke the camel's back." I lost $100,000 in equity in two years. Now, the house is actually valued at less than when I originally bought it back 5 years ago. Since I can't sell it, keep the mortgage payments going on half income, or pay back the home equity (improvement) loan I have on it, I'm headed to the backruptcy lawyer tomorrow to prepare to let it go. I tried everything I could with my mortgage company, who offered some real nice *sarcasm fully intended* arrangements. They said I didn't qualify for loan modification or refinancing because I have unique income (phone sex and sessions) and because I'm a dumbass who actually pays her bills on time. They said they might (and it was a big iffy might) be able to help me if I was like 10 months behind on my mortgage, but no promises. They said also I could just give them the keys and they'll call it even but I'd still have to pay the equity line off, and oh yah, it going to completely trash my credit. Then they tried to tell me how "trashed credit by them" would be better for me than a bankruptcy. Or I could do a short sale and only owe the balance of whatever they couldn't get for me. In fact, they offered several options to walk away from the property with just "totally trashed" credit. I truly not a happy camper. If my credit is going to be trashed anyway - it's going to be on my terms. I plan to sell off everything I put into the home including the two AC units on the roof. I won't get $100,000 out of it, but I will get a few thousand that may hold me over through these rough times.

The Ugly: In the meantime, and this truly sucks, when I leave the house, I'll be moving back in with my parents while I search for a home in their neighborhood that I can buy for cash. I had already planned to move near them (they are elderly and need help), but now I have to move in with them while I shop for a home in a bad part of town. *Push the gun a little closer* That means no kinky play while there unless my generous Nite Flirt caller sets me up with his casino comp rooms. I don't want to give my aging father a heart attack by showing him what his daught really likes ot do in her spare time. I had hoped to buy a home on the other side of the highway from them, but find that I will probably end up with them and then with a rented home in crime-ridden North Las Vegas, on their very street. *gag, gag, puke* I f*cking hate renting.

MY SLAVES:

Still Laid Off: My two slaves are both in construction, and both laid off due to Vegas not having any construction at all at this time. I moved one of them out temporarily in with his in-laws who are also caring for him mother, who was taken from a moderate nursing home to home care due to his not having a paycheck anymore. My other provided my health insurance and has taken to parking his truck at Home Depot for a side job here and there. My sissy also had to move out, temporarily, and is staying in Vegas with friends of mine, with a job driving an ad truck, so he can make enough to pay his child support. Yah, kind of funny huh? My sissy has kids and child support. It's hard for some to picture. But even slaves have real time life commitments other than their Mistress. If you don't live in Nevada or watch the news, you probably don't know that Nevada has one of the highest unemployment rates in the nation and it continues to climb. Unlike the casinos, I cannot just quit paying bills and claim a reorganization type bankruptcy to hold me over. In fact, the casino news makes me want to puke. The casinos whine about only having $20 million in profits over the last month instead of their usual $60 million a month. Must be nice, huh? They are bitching about a $20 million profit - yah PROFIT, while we all scrimp for groceries and hope the state's unemployment doesn't run out. The Great Mortgage Scam and Bail Out Scam has royally screwed us all.

Perks: Living in Vegas will have it perks, so that's something positive. I'll be able to be active in the local BDSM groups, maybe attend a few parties (it's been a while), and enjoy the rewards of higher education. Most people don't know this about me, but I have 102 college credits - and no degree. I just hate taking those boring core credits that are required for degrees. I just refer to myself as a career student. *lol* I plan to take some classes in Dreamweaver, so I won't have t pay out the ass for web design anymore. Also, I love going to the movies, so that will be a weekly occurance. And, we'll actually have extra cash to go to the movies since I won't have a mortgage or rent payment for a while.

Another highlight: Even though my credit will be trashed, my slave, the one I married for health insurance, who is in his early 20s, can buy a house under his own name. All we have to do is save up for the down payment (which will take quite a while in this economy) and wait until he is working full time again (which we are told by the union could be two years or more). But it is an option. He would buy the home, and then Quit Claim it to me. My tumbling blocks of life start falling in January with the bankruptcy but hopefully pick up in May 2010, as I begin to rebuild credit and home.

CHOCOLATE HELPS: So, how about it? Send me a little dark chocolate and some chocolate flavored coffee? I'm in the process of packing up my house and moving everything. This brings me across a lot of momentos, and decisions about what to keep, what to store and what to sell. Which causes quite a few tears on my part. I loved my house, and I hate to see it go. I had even decided I wanted to keep it and not move after all (just keep driving back and forth for my parents care like I've done the past two years), but alas, someitmes life makes the decisions for you. I know I'm not the only one in this situation, but it not true, "Misery does not like company." So hey, how about supporting my chocolate habit until I can make my slaves take it back over? Dig a little deeper in those pockets this month, add a little bit more to that credit card. Send an Amazon gift card or grocery certificate to Albertsons’ or another food chain. Purchase a slave contract, sissy lesson or masturbation aid from my FREE NEW 35-Page Kinky Catalog with the PTV option or Gift Cards? Send me a little love email or box of chocolates? Maybe a box of tissues and tin of chocolate coffee while I watch my boys load my belongings on a truck for storage? My Wish List is on the right side of the blog page near the bottom.

NITE FLIRT: The Nite Flirt (NF) crisis is not over yet. *Damn it* We are still being told there is no definite launch date for return to the regular site. But please hang in there with me, it's getting better each day. These are some of the issues we are still facing. (1) Adding money: In the meantime, customers are still battling the system when they try to add money. It's recommended that if you have this difficulty, check your account settings. Some customers have experienced NF reverting their pages back to credit cards that have expired or been changed out for another one. Simply re-enter your credit card info and try again. Sometimes it's best to just use the leftover minutes in your account, and then hang up when that voice comes on telling you to add more, then redial and add to your account and begin the call again as a new call. Sometimes the call disconnects at that point any way. (2) Disconnects: PLEASE do not blame your flirt for these issues. I had a caller the other night who talked for 5 minutes, then the "add more money" voice came on and we were disconnected. He tried twice more to connect with me, and each time it was for one minute then disconnected again. Now I know some of this is due to callers using only free minutes and then trying to add money, but all they get is a disconnect after the free minute is over. It's not the flirts fault, but this caller sent me a blazing email thinking I had hung up on him. Believe me, there are no hang ups on my end, I need the funds, every last penny of them! (3) Two calls at once: Also, some of the flirts are having their calls interrupted with second calls coming through while they are a call already, and sometimes this disconnects them. The NF system is suppose to see that you are on a call and set you to busy so additional calls do not come through. But that is only working periodically. Sometimes a second call coming through cuts the first one off with a disconnect. Again, not the flirts fault. (4) Taking Calls or Away: Some of us are unable to log off and/or back on. In my case, the log off and log on are not working right. So sometimes my pages say I am logged on and I find out I'm not, and other times, I log off but I'm really still logged on. PLEASE do not become impatient with me if you call and I pick up and say please call back later. If I ask you to call back later, it means I was in the middle of a sleep cycle. I'm trying to stay on around the clock, and have awakened many times to take a late or early call over the past two weeks. But at some point I reach the state of exhaustion and have to rest uninterrupted, or have an appointment and must rest before I go to it. I apologize for the system not working right. (5) FREE minutes: A few customers asked for free minutes when disconnects and other problems occur. I'm happy to give out FREE minutes, because I want happy callers, however, at this time NF won't let some of us send out free minutes or pay-to-views or payment requests, or it might let us send a pay-to-view but not minutes. Some of us are also having difficulty sending attachments with our emails. The email goes through but not the attachment. And lastly, a part that really sucks, we can only email one customer at a time. (6) Tributes: At this time, Nite Flirt is telling us, it cannot take tributes. So, if you like sending me tributes, you'll have to change over to Gift Cards until that's fixed. (7) FREE New Kinky 35-Page Updated Catalog: I have a NEW Kinky Catalog that contains 35-pages of web items and photos. The first edition contained only 15-pages. If you were lucky, you at least received the first Catalog in your NF email. However, I am now unable to send any more out because the glitch is clearing them off. If you would like the FREE NEW 35-Page Updated Kinky Catalog just email me at ladylila@sbcglobal.net and I'll send it to you via regular email. Totally FREE!

SINCERE AND SPECIAL THANKS: To my callers who have fought Nite Flirt's broken system to call me and send me pay-to-views and gift cards - thank you so much. I just cannot thank you enough. It has helped and it's keeping me going. For those of you who cannot call or help out, it's okay. I understand, because many of you are in the same boat I'm in. Just send me an email to perk me up! ladylila@sbcglobal.net