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        <title>Cents and Sensibility</title>
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        <copyright>Copyright 2010</copyright>
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            <title>The flood - part 2</title>
            <description><![CDATA[<div><b>Month 1</b></div><div><br /></div>The next few weeks were extremely busy. We moved into a hotel, then an apartment within 5 days. We received furniture from family and friends, rented a u-haul, and drove around picking items up as we moved into our new "home." Clark's new HLN producer and other friends helped without even being asked.&nbsp;<div><br /></div><div>&nbsp;I missed two days of work- the day after the flood, and then that Friday when we moved into the rental. It felt good to go to work and be away from the muck that was in my house. It was so moving to me to hear from so many of Clark's listeners, who sent messages of support and had kind words for me when I answered the phones.&nbsp;</div><div><br /></div><div>I hired a company to "clean out" the house the day after the flood, Everything had to be ripped out and sprayed to prevent future mold. I also hired a home inspector and air quality specialist to make sure the job was being done right. There was so much to do - we had to inventory everything we had lost, plus put the year we bought the item, how much it was worth when we bought it, etc. A tedious and emotional task, I couldn't wait to be done with it.&nbsp;</div><div><br /></div><div>I had always thought our home would be a great candidate for elevation - lifting it and putting it on a foundation. I began to call around, and then had a meeting with a structural engineer, civil engineer, architect and contractor at our house to determine if it could be done. It could, but for a pretty penny. When I found out I would be able to borrow money at a low cost from the SBA (known as a disaster loan) for this mitigation, the wheels really started to turn. Before long, we had plans and several signed contracts, along with loads of paperwork!</div><div><br /></div><div>Taking on debt to do this elevation may not be the smartest move in the world, but we truly feel it will increase the value of our home over time. We are elevating it to above street level, and 6 feet above the water line in this highly unusual flood.&nbsp;</div><div><br /></div><div>In the mean time, our children were still going to school, and our dogs and cats had settled into the apartment. [Well, everyone except our big dog, Loomis. He needed to get some exercise, and was used to a big yard. My husband is working on a very unusual work project right now, and so his extremely long hours left me walking two dogs and two kids around an apartment complex nightly while holding umbrellas. We must have been quite a sight! ]&nbsp;</div><div>We really liked the apartment, and I was perfectly happy with the one pot and pan I bought at Ikea, our new Walmart silverware, and the glasses and plates a friend had lent us to use. Though it was very small compared to our house, we all fit just fine. The kids shared a room for the first time, and I think it comforted them to do so. I had a realization one night when I was poring over plans and trying to figure out what we could afford to replace in our house that I could not live for the day we move back in. "If I can't be happy right now, right here, on this day, then I will never be happy" said my inner voice. I knew I had to take joy in the present and not live for the future.Two adults, two kids, two dogs, two cats, two bedrooms and one bathroom is more than most people in this world have. I felt blessed.</div><div><br /></div><div>The most amazing thing to me was how many messages we started to receive from family, friends, and strangers with offers to help. My awesome girlfriends threw me a "shower" and gave me a big old Target gift card among other amazing gifts. A friend's hairdresser did not even know us, and put together a basket of shampoos, conditioners, brushes etc. My daughter's school started a calendar where families could sign up to bring us meals. My son's class bought him Toys are Us gift cards to replace the toys he lost. Matt and Clare's tennis coach from their summer camp brought me pictures she had taken of them over the years to replace any I had lost. Gift cards for meals, messages on facebook and twitter, emails and cards seemed to flow in daily. I have never felt so loved and cared for, and realized that even if we had lost our house completely, we would be better than okay.&nbsp;</div><div><br /></div><div><b>The best birthday gift ever</b></div><div><br /></div><div>I had several bathrobes, and I just loved to lounge around in them at home (yes, big ugly ones my husband hated!). They were all washed away in the flood. My birthday is on Halloween, and my daughter was dropping mad hints that she had a great birthday present for me. I wondered what she could have made me. She is so creative and I just love the little gifts she makes on holidays.</div><div><br /></div><div>When my birthday arrived, she woke up early and was so excited for me to sit down and open her gift. When she presented it to me, it was much larger than a piece of artwork. It was soft, and just the size of... well you guessed it, a robe. But not just any robe. She had gone to a church sale with her babysitter, and bought a robe for me with her own money. It says "Carnival Cruise 2002." and is a men's 2x. I must tell you, I might have considered this robe a bit uncomfortable before, but now I treasure it and wear it proudly every single day. It is a symbol to me of my daughter's love, and it does exactly what it is meant to do, keep me warm..&nbsp;</div><div><br /></div><div>It wasn't just this robe. I found myself appreciating the few shirts I had purchased since the flood, and caring for those two pairs of shoes I had better than I had ever cared for my entire "Imelda" collection (that's what Clark called it!). I was starting to have more respect for what I had, and was practicing mindfulness in my life as I never had before. Something inside of me was shifting, and though things were still chaotic, I felt an inner peace I had not felt before.</div><div><br /></div><div>That inner peace would soon be put to the test.</div>]]></description>
            <link>http://clarkhoward.com/blogs/cents_and_sensibility/2010/03/the-flood-part-2.html</link>
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            <pubDate>Fri, 05 Mar 2010 22:04:04 -0500</pubDate>
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            <title>The flood - part 1</title>
            <description><![CDATA[<p><br>September 21st, 2009. Mike and I were on our 10th anniversary weekend trip&nbsp;in Cancun&nbsp;when we received a text from our neighbor that read "your kids are okay but your house is going to flood."</p>
<p> <br>
We went straight to the airport and nervously waited for our flight, calling for updates from home. Clark and Joel were at my house, along with neighbors (some I knew, some I had never met) and they were trying to carry our precious things (pictures of our children etc) upstairs to get them out of harm's way. Before our flight took off, I had one last conversation with Clark. "The water is getting too high, Joel and I have to get out because it's not safe. Call when your flight gets in."</p>
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<p>When we arrived in the airport, we had to wait over an hour for our luggage to come out. We were almost to our house, when Clark called my cellphone. "I want you to be prepared for what you are about to see." His tone was grave. "The water is up to your doorknob."</p>
<p><br>
There weren't many places to park on our street, as the neighbors had moved their cars up from driveways near the creek, and spectators were everywhere. The main attraction - our home. The home we had worked so very hard to buy - our dream. </p>
<br>
<p>I wanted to run down, swim across the water, and go inside. I knew our two new kittens were upstairs (both of our dogs were at the boarder). I was in total shock and did not know what to do. Neighbors, friends, and Clark were all there giving us hugs and offers of help. Our neighbor who is a marine and stands 6'6" was a true hero. He wore his waders and went into the house and upstairs to feed the kittens. </p>
<br>
<p>After some time, all I wanted was to see my babies. We went two streets up to where our babysitter waited with our children and we got them in the car. Clark and Lane had generously offered for us to stay at their home. They insisted really. That is who they are - beyond generous and caring for others.</p>
<br>
<p>As we drove to their home, I turned around and looked at my two beautiful children, ages 7 and then 3. "Kids," I said, "our house flooded today. There was a lot of water in it. We won't be able to live there for a while. We are going to be fine and we are going to stick together and help eachother. We are 'Team DiBiase.'"</p>
<br>
<p>That first night, I did not sleep at all. I tried everything - yoga, meditation, reading, watching tv,&nbsp;you name it. I could not stop shaking and wondering what we&nbsp;were going to do. We had&nbsp;flood insurance, but would it cover the damage? How much was really lost? Only our two children's bedrooms were upstairs. Our master, all of our clothes, kitchen items, the things in our garage,&nbsp;dining room, living room, family room... I couldn't stop going&nbsp;through&nbsp;it all in my head. I wondered if the water would recede by the next morning. I dreaded going there, yet I couldn't wait to be in my house again. Thanks&nbsp;to Lane and Clark, the rest of my family did get some rest. Lane made the children cute little beds and&nbsp;even had "Cars" sheets on Matthew's bed. He thought it was great and all just an adventure.&nbsp;</p>
<br>
<p>When morning came,&nbsp;Mike and I went to our house. Luckily, the water had gone down, and we were able to begin clean up. I called a flood and fire company I found online (not the way I would suggest doing it, but it's the wild wild west when it comes to this part of flood recovery). They were there within hours and started tearing apart the first floor of our house.</p>
<br>
<p>The hardwood floors had all buckled. Furniture had floated all over, a refrigerator had lifted up and crashed onto my washer and dryer. Clothes, shoes, toys, books, kids artwork, movies, cds, the commercial gym equipment I had saved for, the upholstered chair bought just months before, carpets, pots and pans, everything, everywhere. The stench of the sewer that had backed into the creek before it overflowed permeated the air. Tears streamed down my face as I plodded through in rain boots and an outfit I had worn the day before in sunny Cancun. I wore rubber gloves and looked for things that were salvageable. </p>
<br>
<p>I spoke to our flood insurance company and found out that rental assistance was not available through flood. I didn't know where we were going to live, or how we were going to get our home repaired. I thought of my precious children, and how if I had not pushed us to live in this beautiful home, knowing it was in a flood zone but feeling the risk was low, they would be laying their heads in their own beds that night.</p>
<br>
<p>It was a very low moment for me, yet even in that moment, I knew something good was happening inside of me. I would soon find out I was right.</p><br>]]></description>
            <link>http://clarkhoward.com/blogs/cents_and_sensibility/2010/01/the-flood-part-1.html</link>
            <guid>http://clarkhoward.com/blogs/cents_and_sensibility/2010/01/the-flood-part-1.html</guid>
            
            
            <pubDate>Fri, 08 Jan 2010 20:35:55 -0500</pubDate>
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            <title>Follow us on Twitter!!!</title>
            <description><![CDATA[<p>Clark's twitter account: clarkhowardshow</p>
<p>Christa's twitter account: itschrista</p>
<p>&nbsp;</p>
<p>Go to twitter.com and set up an account today - we'll send you inside info on the show and give you some behind the scenes photos and fun stuff :-) </p>]]></description>
            <link>http://clarkhoward.com/blogs/cents_and_sensibility/2009/04/follow-us-on-twitter.html</link>
            <guid>http://clarkhoward.com/blogs/cents_and_sensibility/2009/04/follow-us-on-twitter.html</guid>
            
            
            <pubDate>Thu, 16 Apr 2009 22:59:02 -0500</pubDate>
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