battling depression

Metro Codes. ugh. I'm not even sure where to start with this. They decided to require just about everyone who got affected by the flood to get a building permit. Thus starting the saga of making the flood 10x worse than it already was. I'm starting to learn that anytime you deal with a government entity, you're gonna get screwed. Local governments are just as bad as the federal and state government. In fact they figure they are getting the shorter end of the stick, so they figure out more interesting ways to fine the crap out of you.

So, my husband spends half a day trying to get a permit. They put us in a flood plain, when we plainly aren't. So that takes an hour to fix, mainly waiting to be seen for like 3 minutes. All because some idiot didn't do his work properly. Because, after all, we're made of time.

Get the building permit. Email the person listed as our inspector some questions. That person claims she isn't the inspector. Actually she is just a danged secretary. Forwarded the person who is in charge of our inspection. Twice. In nearly two weeks. Finally I take the time out of my busy schedule to call every five minutes. Because, after all, we're made of time.

Find out the crap that was put out by Metro isn't right. Or at least the inspector who we have to please isn't right. I don't care which. It's a change from what we're told. No foundation inspection. Apparently it isn't important to assess whether or not your house is structurally stable and hasn't shifted off it's foundation. No, they are checking for mold. I'm wondering if I'm going to have to explain to him that mold doesn't grow in the pattern of the Yellawood logo. Then we have to have a finish inspection after drywall is up. Why the heck do they have to check my drywall. Everyone knows having drywall up is more important than making sure that your house didn't shift off it's foundation. Cretons. No, correction. Stupid cretons.

So, then we want to put in flexible ductwork under the house ourselves. No, you have to have a license to put that in. Huh? The law says I can put it in, see look, right here... Oh, no, we changed that for flood victims. Really? So if I didn't get flooded then I'd be able put the ductwork in myself? Really? Well, then let's pretend I didn't get flooded. Cretons. No, correction. Stupid cretons. I have to pay a contractor way too much for putting them in. I had to ask higher ups this because the regular inspectors were either too stupid to know the law or were flat out lying. But little ole me. I got it in writing from the Assistant Director of Codes that basically they are screwing us. I've emailed News 2. I'm tired of them taking advantage of folks, all in the name of "public safety". Really, what public safety is involved when installing flexible ducts?

So I get an electrician to come out to the house. All because NES says that I have to have my house inspected by an electrician. Electrician comes out and is like why did NES say you have to have an electrician come out. Water didn't get up to your main breaker. No friggin' duh. But because Metro Codes is illegally not giving out homeowner permits to folks, I had to call an electrician to tell me that water didn't come up to my main breaker. Because Metro figures I'm incapable of measuring myself. Maybe that is related to public safety too. They figure in the process of using a tape measure I'm going to knock out 10 of my neighbors or something. Cretons. Stupid cretons. So now, the electrical Codes person is telling us that what they told the electrician isn't right. They can't figure out what they've told everyone else. So they BS me thinking I'm stupid. If I knew a good lawyer, then I'd sue their butts.

The flood is bad enough, I think Metro Codes is worse.

When we bought our house, we never thought we would be hit by a flood. The 500 year flood line is way outside our property line. No flood insurance; we just couldn't get it. All the insurance companies told us we couldn't get it because we weren't in a 100 year flood plain. After it was all over and we had 3 feet of water in our house, news stations loved to run stories about how cheap you can get flood insurance. Really? No joke. Where? Because we were flat out told it was illegal to sell flood insurance to anyone outside a 100 year flood plain. And that was after heckling three different insurance companies looking for someone to sell us the insurance. Neighbors had the same problem. It is disheartening to hear the news tell everyone how easy it is to get flood insurance when we, and others, spent so much time trying to find flood insurance. So basically you have a lot of folks wanting to pay in to the system; a lot of them that likely won't get flooded, and FEMA is like no, we don't want your money. I wish I had enough money I could just refuse people like that. But this is a government run system; so therefore it isn't fair.

A lot of things aren't fair about this.

Everyone told me not to buy in a flood plain. Buying in a flood plain is bad. Evil. But guess what, those in a flood plain get to buy flood insurance no hassle. Then they get helped when something like this comes along. They can get contents plus structure insurance with their flood insurance. Then everything could have been replaced. Things like my diploma, pictures, baseball cards. I was good and didn't buy in a flood plain. A lot of good that did me.

SBA sent us a loan application. If you can get a loan from somewhere other than SBA, then you get a 5.5% interest rate. If your credit score sucks so much that no one will give you a loan, you get an interest rate of 2.75%. We aren't even going to be applying. What's the point of giving them the interest? We'll just take it out of money we already have. Everyone tells me to have good credit, you get better interest rates, what's the use?