The Gift of Presence (Prayer Devotional for the week of January 20, 2013)

Twenty-four years ago this month, my maternal grandmother went to bed one night and woke up in Glory. My mom has some very old voice recordings from her – verbal letters that my grandmother mailed to us when we lived overseas more than 35 years ago. It is truly a gift to be able to hear her voice again, after all this time.

In John 13 and a few chapters following, the Bible tells us about some of the final hours that Jesus spent with his disciples before his betrayal and ultimate crucifixion. They shared a meal together, and he washed their feet like a servant would do. He comforted them about what was about to happen. Although they did not quite understand it, at the time, he was trying to prepare them to cope in his absence. He gave them the gift of his presence.

Jesus’ resurrection and later ascension into Heaven are certainly two of the biggest highlights of the Bible, but I wonder if the disciples went through another form of grief after Christ left them a second time. They knew, of course, that he was not dead this time – he was taking his rightful place with the Father, but he was still gone.

Jesus didn’t leave them empty-handed, though. John 14 tells of his plans to leave them the Holy Spirit. Various translations refer to the Holy Spirit as a Comforter, Advocate, Helper or Friend. Jesus told his disciples that the Holy Spirit would teach and empower them. He would not be with them in person much longer, but he would leave them the ongoing gift of his presence.

Unlike a voice recording, or even a video tape, which can only remind us of a departed loved one, the Holy Spirit is living and active! Jesus has not walked the Earth in nearly two millennia, but his message spreads and thrives because of the work of the Holy Spirit living in us and working through us.

So, if the Holy Spirit is Christ’s gift to us, and that Spirit lives and works in us, does the world sense his presence in us?

Triathlon, say what?

I must be a glutton for punishment, but I need accountability and promised my BFF that I would do the TriGirl super-sprint triathlon on Mother’s Day. Super-sprint doesn’t mean that you have to go super-fast; rather, it means that the race is super-short: 200-yd swim, 8-mi bike, 2-mi run/walk.

I rode 6mi on the bike at the Y tonight till my tush went numb, so that’s a good start! One lap around our neighborhood streets is about a mile, so I told the boys that when it gets a little warmer, then we can “train” together on our bikes.

I need to get back in the pool & see if 200 yds is still as “easy” as it used to be. I’m cautiously optimistic that it won’t be difficult, but I also know that I won’t be setting any new North Spring Swim Team records again, either. 😉  I’m seriously considering prescription goggles, but I need to do some pricing research first.

As for the final 2 miles, I may crawl; we’ll just have to see! I have never enjoyed running, and although my knee feels much better, I am admittedly afraid of re-injuring it. I’m building up endurance on the treadmill & elliptical machine, but I will not feel bad for walking the whole route, if need be.

Well, there you have it. I’ve talked about it publicly, so now I’m committed to doing it! 🙂

Consumer choice? Or not.

I have a bone to pick with Bank of America. I’ve been disappointed with the company since my husband’s first deployment, when his paychecks were off-cycle and late posting. I would never, ever willingly choose them to hold something as important as our mortgage. Unfortunately, the loan was sold, and BoA bought it. Blerg.

It hasn’t been a big deal until recently. I had the monthly payments set up through online banking, and I never had to deal with BoA directly. Unfortunately, our credit union decided to quit doing online bill pay as a cost-saving measure, so I had to change our payment setup to another account. I didn’t miss a single payment, wasn’t late on a single payment … simply changed the auto-pay arrangement. (In fact, I paid double that first month of the switch, because I forgot that the auto-pay was already scheduled.)

The holidays came and went, and then, the first FedEx envelope arrived. It was filled with a form letter advising us that we’d missed two scheduled payments, and BoA shared its heartfelt concern that we might need to read the enclosed 20+ pages on how to avoid foreclosure.

What. The. #(&Y*(^@>?!?

I called and talked to Customer Service and was informed (like I already knew) that our account was, indeed, current. In fact, she didn’t even have record that another arm of the company had contacted us! That’s what is so frustrating. How can a customer service rep NOT KNOW that their company had sent me a foreclosure counseling packet?? Not only that, but our account is flagged as deployed military, which means that they have no business sending foreclosure-related anything, even if we were behind on payments (which we aren’t). That’s part of the Soldiers’ and Sailors’ Civil Relief Act!

I enclosed my own “heartfelt” reply in the pre-paid FedEx return envelope and sent it right back from whence it came, hoping that would be the end of it.

Of course not.

Next came the phone call. A concerned mortgage rep called and left a message expressing his interest in talking to us to help address any problems we may be having paying our mortgage. Again, WTH!? And, another FedEx envelope. This time, I called the number Mr. Concerned left, got his voice mail and really gave him a piece of my mind. I told him that these notices are not only infuriating, but they are flat-out insulting, that the left and right hands at BoA need to get their acts together, and I expect the issue to be resolved immediately with no further mail or phone calls.

I am so ticked off about their ineptitude that I’m seriously thinking of refinancing the mortgage, just to not have to deal with Bank of America anymore! The problem is, how do I know that a refi will not be sold to them, eventually? Are there any banks or credit unions out there that actually KEEP their loans? I understand that as a borrower, you are somewhat at the mercy of your lender, but you are still a consumer. The public policy analyst in me says that customers ought to have some say in who can (and CANNOT) purchase their mortgages.

Bank of America got into some deep doo-doo recently for robo-signing mortgage-related documents. Apparently, they haven’t learned their lesson, and a simple change in the payment system prompts an automated deluge of foreclosure doomsday bulletins.

I, for one, am livid.