Wednesday, June 08, 2005

Ungodly

Yesterday morning I organized and retrieved some financial documents. Then I and my family trekked on over to a bank that was recommended to me, so that we could apply for pre-approval on a home mortgage. "Mortgage" has an interesting etymology. It is compounded from the Middle English/Germanic "mort" and "gage". "Gage" signifies "something deposited as a pledge of performance." "Mort" of course, means "unto the death." Thus we see how bankers and other professionals disguise their true intentions by using old words in dead languages, the meanings of which everyone outside their profession has long since ceased to think about.

It also proves undeniably the truism that common sense is in shorter and shorter supply with each successive generation. It's patently obvious. I mean, look at these kids we have coming out of the the high schools today! None of these young cashiers know how to make change or speak proper American. Everything with the hizzle drizzle my bizzle? And they don't know fashion; the girls look like hobos and the boys look like prostitutes. All they do is play their - what is it - Atari Nintendo videos all day long. That or get themselves into trouble doing the crystal meth. And they act like idiots on the road, racing around with their car stereos thumpety-thump-thumping and their hands waving out all of the windows. Morons.

Anyway, I can just imagine the ghost of my great-great-great-something ancestor (let's call him Uncle Zebekiah) hovering over my shoulder in the bank office. "Stupid boy," he thunders. "What couldst thou be thinking? Thou wouldst do best to secret away thine earnings for the proper time. Why sellest thine family and thine self unto interminable servitude and death? Usury! Usurist," he accuses, pointing to the account representative. I don't think "usurist" is a real word, but you must forgive Uncle Zeb because he only had a third grade education. By the way, we couldn't hear him or see him because he's in the land of the undead and all. (I hope that goes without saying, but you never know with blog readers.)

Maria, the friendly account representative, asked us some questions. "What vehicles do you own? Do you currently own any real estate or other property, that could be used as collateral ...?"

("Harlot," screamed Uncle Zeb. "What manner of dress is this for a woman? Gods, where is thy husband?) We explained that we are first-time prospective home buyers.

"What are your other debts? Have you ever defaulted on a loan? Ever been convicted of a felony? Ever declared bankruptcy ..."

("Licensious unholy wench! Slanderer!) No, we have never done any of those things.

"Now," said Maria, putting down her pen and smiling kindly. "I'll need to see your bank statements for the past two months, and copies of your tax returns and W2's for the past two years."

("Gossip! Pryer into others' affairs," spluttered Uncle Zeb.)

"I'll need to go make copies of these. I'll be a few minutes," said Maria. "Say, do your kids like to draw?" With a little twinkle, she presented two notepads and pens, which we accepted with great relief. Since we hurried in because of the rain, we forgot to bring toys, and the girls were driving us crazy.

("Oh, right! Wrangle thy way into the good graces of these innocents!") I won't bother with the rest of what good ol' Uncle Zeb said, because at this point all his speech degraded into incoherence; eventually he gave up and wandered off to sulk behind a potted plant.

While Maria was gone Michelle and I looked at one another. "Are you okay," I asked her, "You look nervous."

"Aren't you," she asked. "We've never done anything like this before."

I squeezed her hand and smiled reassuringly, but I too was nervous. I kept having this uneasy, irrational feeling that I was leading my family into ruin and ... damnation? Was that a hint of, of brimstone in the air?

"Dear," I said, "whatever happens, happens."

"Really," she asked. I melt when she looks at me like that.

"Of course!" I explained that really what I had just said was a tautology and logically true.

She got that distant look she gets when she is not a hundred percent certain she has understood what I have said, and furthermore, she suspects that if she did understand it, she wouldn't like it. She is unsure whether she should bother trying to figure it out, and instead wonders why I insist on doing this to her when all she really needs is a shred of a shadow of a hint that there is some purpose or intention behind all that we have been doing these eight years, two months, and two days since we were wed. She just wants some sense of security.

I relented as soon as I realized the gravity of her mood. "Darling, we will hear what they have to tell us, and then go from there. We're not committed to anything." We smile at one another.

I look at the clock on Maria's desk. It's one of those clocks that are given out at office parties in recognition of long-standing good service to the company. It's made of crystal or glass or acrylic, and silver, and there's a little engraved plaque on it.

I have a feeling in my bones as though I am disappointing someone, somewhere. I smell sweat and tears and smoke far off. I ask myself if I've done the best I could, and if I've made the best plans. I haven't, of course. No one does.

In the grand scheme each of our lives is insignificant. I know this. Not one thing we can ever hope to do will have any kind of lasting impact on this great spinning universe, with its huge whirling pinprick suns and its vast cosmic oceans of black twisted emptiness. Our lives will be short and our names will not be remembered. Governments and nations will be built and they will crumble, as will the entire planet one day. And it is unbelievably, profoundly important that we do our very best in everything we undertake.

As troubling as these moments are, they are what keep me alive and keen. Whatever comes, I know I must meet the challenge with my best. And I love those whom I love, and those who love me love me, regardless of whether I succeed or fail. And I try to feel everything, clinging to as many moments as I possibly can, sharing as much of myself as possible with those around me.

13 comments:

Arglor said...

other then degredading into sentimental BS... hillarious post ;)

bleh.. i do not agree with the unconditional love part.. not sure of course. I think unconditional love doesn't exist. I'd like for it to, but it can't. The world exists with causes and effects, and if you fail at something that brings the family down as a whole, the love will deteriorate. People aren't homless because they have an abundance of unconditional love, it is because they have made decisions that ultimately (beyond their scope of control or within their scope of control= it is different for each case of course) has caused them to lose touch with the one's they love.

Maybe they drank too much which was the condition that broke the love. Maybe they weren't in love to begin with. Who knows. I think the closest thing we have to unconditional love is love with as little conditions as possible. I think i could do just about anything and Mary would love me, so long as i don't bring her into financial ruin, disgrace the feelings we have for each other, and there are other conditions more monotinous.

i'm ranting now.

i'll stop.

Mortgage eh? Thats funny. So you bought the house then? I thought it was a plan, but not fully complete yet.

P.S. I think a Usury is the same exact thing as a Usurist, except Usurist is ontologically challenged. ;) Functionally the words are identical i believe.

snaars said...

Glad you liked it, Arglor.

I don't disagree that people fall in and out of love. I think that staying in love takes work for everyone involved, so a certain level of commitment is needed. I know that my marriage has been deeply tested, and if Michelle and I weren't deeply committed to one another, we would not be together today.

What I had in mind when I wrote that part about success and failure is that failure alone would not cause the people who love me to abandon me. But since you bring it up: I agree that, yes, the result of some failures could cause an unbearable strain on a love relationship.

For instance if I, through no faulty intention of my own, blamelessly failed to avoid a car accident that left members of my family scarred/disfigured/dead, it might be difficult for them to forgive me - and who could blame them? (Especially if they were dead - ha ha.*) Nevertheless I think it would be the fact of their condition and the human tendency to blame that caused the emotion, rather than the fact that I failed them, alone.

Another example that comes to mind is if I failed by way of breaching their trust, for instance by having an affair. This is a sense of the word "failure" that I did not have in mind.

About the house ... we have not decided yet if we are going to buy it. It depends on how much the bank is willing to give us, and how much the house appraises for. We don't know either figure.

*This is not funny.

Arglor said...

P.S.S. Uhm. The first part was a joke btw. Sentimental BS is great.... really ;)

Arglor said...

yeah i was just stating common sense...

which i disagree with btw. I think common sense is the a description we use for a set of propositions thought to be "unquestionable". I.E. standing in the rain is considered a violation of common sense... but in actuallity what if that individual enjoys the feel of rain on their skin?

Leaving doors open, what if the individual owns the home and enjoys letting all manner of insects etc into his/her house for enjoyment purposes.

Both completly absurd or semi-absurd examples, but in all senses we have heard an individual get ridiculed for not "having common sense". So the definition i came up with, is that common sense is the blind acceptance of propositions in lue of popular appeal and not direct evidence.

It is always used as a verbal lashing then a tool of investigative exchange.

Arglor said...

p.s. i got the job.. woot.

haha.... no working behind a convience store counter at bad times of the night... haha.. (for those who don't know, i just graduated with him and moved to new jersey. I was joking about how i might have to work in convienience stores to make enough money, which in NJ isn't the safest occupation.)

snaars said...

Mazel tov and congratulations, Arglor! Glad to hear things are working out. As far as my own job search goes, I've been holding off until I hear back from the bank. Many employers look at credit ratings, and too many draws on my credit reports don't look good. That, and banks are reluctant to loan money to people that are going through many life changes.

I'll drop by your blog to chat about your new job.

Arglor's a good friend. His blog is at: http://arglor.happypoet.com. Also, there is link in the "links" section of my page.

stc said...

Your uncle Zebekiah was sure offended by the "harlot" account representative. Did you get any pictures, to share with your faithful readers?

Your life is as insignificant, and as significant, as the life of any other human being on the face of the planet. People rely on you, Snaars; you're significant to them.

My father is at the hub of a great network of family members, and over the decades I have watched him make positive contributions to many lives. So I believe a single human life can have meaning and significance. Maybe not in the grand scheme of the cosmos, but so what?

Buying a house is a big step. It sounds like you're ready to take that next step — that step into overwhelming responsibility, responsibility that may well crush you like a peanut under the foot of an elephant at the zoo. Nothing is certain but death, taxes, and exorbitant interest rates. But don't let that hold you back.

If things turn out for the worst, I'll raise a pint to you after you're gone. Here's to Snaars, gents. He was a bit warped and twisted, but a good family man, all the same. What a shame that that deposit-unto-death business turned out so badly for him.

You'd do the same for me, I know.
Q

Anonymous said...

Mike,

You know you are old when you think the kids today are playing atari and complain how they act like...children. :o) What's up with the hizzle drizzle crap....we grew up in the hood and we never said that stuff. But then again, we said sike a lot....I don't know what's worse. :o\

-YS

snaars said...

Thanks for the great comments, everyone! They were so reassuring in my time of insecurity. Arglor tells me I better not mis-step, or I will become homeless and my family will abandon me. Q talks of death and taxes and being crushed into peanut butter. ;o) Hehe ... Thanks for the pint, Q.

Now to catch up on responses to everyone ...


Arglor, why is it that I keep thinking you moved to New York? I know you explained this to me once before but I forget. Is it that you live in New Jersey but Mary commutes to New York, or what? Or am I completely off my rocker?


Q,
Three things - 1) She wore face-paint. That's a dead giveaway right there. And she had her hair done. 2) While friendly, her attitude wasn't properly submissive: she made all-too-frequent eye contact, she noticeably failed to look down very much or keep her arms by her sides, and when she smiled she showed her teeth. 3) She was wearing a dark blue suit with (gasp) pants.

Everyone knows that an unsubmissive woman is dangerously inviting to a man. He may see her as a challenge, and his base (but perfectly natural) instincts to dominate may excite him sexually to a point beyond his control. This is perfectly natural for him, but an unforgiveable sin on the part of the woman, who should know better than to stimulate a man in this way, tempting him and leading him down that dark fiery path to the pit of hellfire and daaaaaamn-nation!

Yeah, I'm afraid good ol' Uncle Zeb was a bit of a Puritan.


YS,
Good to hear from you! (Got your e-mail, will write back soon). I know nothing of this "hood" of which you speak. I grew up in a "burrow". I don't know who you think I am, but I certainly never said "sike". (I should stop lying, I know, that was sooo "beat".)


Tzipi my love,
You know I feel the same. There may not be a perfect solution, but we'll do something. I promise. I love you.

Arglor said...

I moved to Jersey City, New Jersey. I live one block from the path train which goes into Manhattan. I live precisely 15 minutes from the heart of Manhattan. Although i live in New Jersey, i live so close to New York that it is as though i live in New York.

I spend about 45% of my week in Manhattan so it might seem that i live there. The job i got though is in Newark which is ten minutes in the opposite direction of Manhattan. It is nice though, because i don't have to pay for the subways in New York. I only need a Path Train Card, which is above ground transportation until you head towards New York which is when it turns into subway.

Hope this answers some questions.

Anonymous said...

On usury...
I think I missed a joke... Usury would be functionally different from usurist. Usury is the act of lending money at an exorbitant rate. Taking the "y" off and adding the letters "ist" would change the function of the word from "the act of lending money at an exorbitant rate" to "one who lends money at an exorbitant rate." Confusion.

On New Jersey...
We live in Jersey City, which is considered to be a part of the New York metropolitan area. The PATH train is one block away from our humble abode, and on it we can get to PENN station in 22 minutes, the World Trade Center in 10 minutes, and Newark in 10 minutes. Basically, we're right across the Hudson river from the West Village.

On Unsubmissive Women...
Wow. If that's true, I've been "dangerously inviting to men" since I was like twelve. There are videos of me bossing around the neighbor boy. We made a circus. He was an acrobat. I was the ringleader. And he wasn't doing his cartwheels right.

~ Arglor's M

snaars said...

No, I don't think you missed a joke, Arglor's M. I was thinking the same thing about usury/usurist. I've just never heard the word before, so I didn't know if Uncle Zeb had made it up on the spot.

What a great location! You're right in the middle of the action!

Pretty much every woman these days looks like a bawdy tart to Uncle Zeb. I'm sure he caught sight of a beer commercial somewhere and was shocked back to the netherworld.

Arglor said...

the way i heard about usury is an individual and not an act. It was in Edgar Allen Poe's poem about a usury, aka a guy who makes money out of loaning money to people using interest rates.

I could have been taught incorrectly though.