Mostly if it wasn’t for the rain
Reminiscence of the rez, Coltrane
The Butte’s re: treat house, Spruce,
Not a city’s view of streets, disputes.
Many a time I’ve stood amazed staring
Out back windows glazed, their pairing;
Huge panes gleamed fire’s near pot belly’s stove;
As well as the upper ones stunningly holds
MMy breath with this home; up stares.
Near and yes, as far as one could be.
Weather clouds, sun shines, reign boughs,
Cool rays din, green, trim, blazing trees,
Views of vast goaled farmlands frieze,
How now brown cattle rustle leaves,
Shade did win the moonlight.
So many lightning storms
Raged on and on and on – sow long,
With no rain in site.
Snap! Precipitous light from
Graceful, jagged streams of energies fight.
Stretching in many, all any directions
To reach the ground ‘fore sounds deflections;
Helled two ears; or never did.
When storms came, oft warm climes,
Sublime it was; quite industrious was I;
Threw no; outside to wash the truck; did, aye.
The rez-mobile I loved so much.
Old Blue do I miss you,
Your engine, tough, low gears, our clutch.
While wearing tennis shoes,
Shorts or a bathing suit,
I’d whistle loud and sing to boot.
Feeling pooled drops or torrents, waves wet,
Watching suds soap washed, from Blue’s sides, yet;
After dark, bold clouds collect, did.
I do love brutal thunder storms.
Especially those with; know rain, warmth?
Tempests tumult, our often less ‘fore got in
A Perfect Timpani Symphony.

Regarding your recent Refi article on NYT, I have one comment. You suggest comparing the difference in the monthly payment to determine “savings”. However, one should in general look at how much of each monthly payment goes toward the principal (amounting in effect to a direct addition to the owners’ equity), and how much toward interest — and how these numbers changes with the Refi. If one can maintain the same total monthly payment but increase the principal payment while decreasing the interest payment, the result is a direct “savings” in the form of a larger paydown of principal. This becomes especially important if one changes the terms from a 30 year to a 20 or 15 year loan.

Cheers,
Maddy