The surrogate
It begins with a woman who yearns for a baby and another who is willing and able to give her one. You can imagine the motives of the prospective parents. But what about the woman willing to carry a baby, give birth and then walk away?
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Paycheck to paycheck: Dearth of work uproots her dreams
By
John Pendygraft, Times staff
In print: Sunday, August 24, 2008
Maria Juhasz, 46, is selling her garden, plant by plant, before the bank forecloses on her home. She bought the 756-square-foot home in 2006 for $153,000.
A bank appraiser values it at $113,000. The thousands of dollars and hundreds of hours she put into landscaping do not count toward the home’s value.
Maria Juhasz, 46, closes her eyes and pushes her fingertips deeper into garden soil. She wiggles them through the dirt until they touch just below the stem of a Mexican petunia. She doesn't wear an iPod, carry a cell phone, sing or even hum. For hours at a time she is absolutely quiet. The gentle tickle of sweat rolling on her skin and feeling of careless dirt on her body assures her she is not lazy. In her garden she is strong, capable, intelligent, at peace and in control. She forgets about her cares: the foreclosure notice on her home; how she will stretch her groceries to last through the week; and the appraisal that says her home is worth $40,000 less than she paid for it less than two years ago near the peak of the housing market. The appraisal that she says puts no value on the thousands of dollars and hundreds of hours she has put into landscaping. The appraisal that counts only bricks, mortar and comparable sales.
If the bank doesn't appreciate the value of her yard, she will. Everything she has planted at her home is being pulled back up, repotted with care, and set in rows to be sold to anyone who replies to her online ad:
Plants for Sun and Shade—Great Prices! (St. Pete, 5728 2nd Ave. North)
Reply to: sale-785746548@craigslist.org
"Even if I'm selling the plants at 10 or 20 percent of what they cost, I'm getting something back," she says. "I've cried over this, but never out here."
Juhasz, who has a master's degree in education administration, came to St. Petersburg to work as a substitute teacher and pursue her teaching certification. Buying a home was cheaper than renting, and no one loses money in Florida real estate, right? So she bought a 756-square-foot home in 2006 for $153,000. She completed her certification, but has been unable to get a full-time job. In 2007, her taxes and insurance went up beyond her means and she has been trying to catch up ever since.
Eyes closed, she leans into the shade of a spruce tree and digs into another cluster of petunias. As she inhales the smell of evergreen fills her lungs and floods her with memories.
Working near the spruce always takes her back to the first time she left home. She is 7 years old, living with her family in a tent under a cluster of pine trees in Yugoslavia. They are in a campground, among dozens of other families and the ever-present smell of pine.
She remembers the faces of all sorts of playmates coming and going. No one speaks the same language, so they communicate with hand gestures and silly faces.
The faces come and go. Days roll together into weeks. Weeks into months. With memories recorded through the worry-free eyes of a child, Juhasz remembers her family's flight from their native Czechoslovakia.
It is 1968. The Soviet Union and its Warsaw Pact allies invaded Czechoslovakia to quell a pro-democracy movement that would later be dubbed the Prague Spring. Juhasz remembers destroyed roads, joining the kids on her street taunting soldiers with machine guns, and grownups rushing them inside. One day her parents packed up the car for what seemed like a normal vacation. They went to Yugoslavia and lived in a campground for four months while the family applied for asylum. She remembers going from there to Chicago, and her father working as a janitor while he struggled to learn English.
Another cluster of Mexican petunias goes into another pot. Memories and thoughts comfort Juhasz as she tears apart her garden.
"Just thinking of those days that I saw my parents struggle. I think they were able to succeed despite much bigger odds against them. I certainly can, as well."
About this feature
Two out of three U.S. families say they live paycheck to paycheck. American savings are in the negative, the lowest level since the Great Depression. In the Tampa Bay area, the financial pressure for many is acute, with average wages lower than in comparable Sun Belt cities and unemployment rising higher than the state and national averages. Add a related surge in property taxes and insurance bills (not to mention higher gas prices) and the challenge to make ends meet is spreading. It's not a fringe problem. It's your neighbor; it's us. Times photographer John Pendygraft seeks stories that put a face on the phenomenon.
We have become a very greedy nation and if we don't start to turn this around,it will be our downfall! God Bless this women for trying to do the right thing! We need to go back to old fashion values and get our priorities straight in this country!
by Kim
Aug 27, 2008 1:08 PM
To Ted, there is a shortage of teachers in Florida but to hire new ones would mean raising taxes. What happened to the Lottery money? Good luck the sale.
by tim
Aug 25, 2008 3:46 PM
How long is The Times going to run this story? The woman must have made millions selling plants by now!
by Michael
Aug 25, 2008 2:58 PM
Our economic system is based upon Greed and Ignorance, and we know of nothing better. The suffering it creates will continue unabated until it's collapse; joining all the other Empires of the world who can only be found in the dustbin of the time.
by Marsha
Aug 25, 2008 10:16 AM
Raising taxes are not the answer, and pointing out others mistakes are not the answer either. Cleaing house is the mortgage industry was corrupted and the politicians knew it giving them a liscense to steal from people wanting to own their own home.
by John
Aug 25, 2008 10:16 AM
"What is it that people do not get that real estate is long term" I like to see what people will say when you lose your home, take a walk in the other person shoes for a change. Cost of living has consistently gone up but wages have stayed down.
by James
Aug 25, 2008 10:16 AM
Instead of being judgemental about her wanting to beautify her property and her bad luck, we all should be thinking, but for the grace of God, go I.Just another example of the American Dream being dead. Taxes are not the answer resposible spending is
by Ted
Aug 25, 2008 10:16 AM
I thought there was a huge teacher shortage in this state.
by Elizabeth
Aug 25, 2008 10:16 AM
First to karl: no one can get a job paying more than 10 an hour in Florda now. Secondly to joe, Sunny and karl, my hope is that you lose your jobs or trust funds some day so you can learn a lesson in compassion.
by Maria J.
Aug 25, 2008 10:15 AM
Thank you, all. Maria J. here. FYI, my mortgage payment(30 year fixed note) increased twice in 2 years due to an "escrow property tax underestimation"--from $1200/month to $1350 and then $1450. Teachers are now a surplus in FL; many can't get jobs.
by Trish
Aug 25, 2008 10:15 AM
We were always told that real estate is the solid investment - it never loses value. People made the commitment and then discovered that yes, it can devalue and there goes your investment. Sad. So very sad.
by Ed
Aug 25, 2008 10:15 AM
This portrait, and some of the others like the two children (Saving for the future) belong in the company of the photographs of Walker Evans and Dorothea Lange & the other WPA photographers who documented the hard times of the Depression so movingly.
by Syl
Aug 25, 2008 10:15 AM
Bob, don't be a schmuck. Take your America-hating spew somewhere else. Truth is, although I feel bad for her, she and many others got themselves into mortgages they never could afford in the first place. Some lessons are learned the very hard way.
by Janet
Aug 25, 2008 10:15 AM
Why wouldn't anyone hire this woman as a teacher. What wonderful, colorful, meaningful experiences she could bring to students about life. Great story. Hope it brings her some relief. A teacher
by Bob
Aug 24, 2008 10:34 AM
Between the economy & the election, the truth is coming out that by majority we are a nation of racists & elitist, self serving snobs. The comments tell more then the article. In the end we will get what we deserve. Totalitarianism & class warfare.
by karl
Aug 24, 2008 10:01 AM
Very touching, but why couldn't she get a teaching job?
by Lisa
Aug 23, 2008 6:08 PM
Gee Barry, perhaps because the cost of living is HIGHER now than it was two years ago? Those who are quick to criticize may find themselves in this situation someday. Never say never. It just might be you next time. Maria, I wish you well.
by joe
Aug 23, 2008 6:02 PM
any relation to Mike Juhasz the mortgage broker? Did your bro sell you a bad loan?
by Sunny
Aug 23, 2008 5:59 PM
In Obama's Saddleback debate he said we need taxes for good roads etc we all agree on that & people clapped --
What are they thinking - we pay tons of taxes toward good roads & everything else - stop using our tax money unwisely & for dead beats
by tim
Aug 23, 2008 5:58 PM
How does her mortgage lender feel about Ms. Juhasz slowly whittling away the property before foreclosure? Could she sell the light switches, sinks and roof tiles too? I need a new A/C unit....
by Pete
Aug 23, 2008 5:50 PM
Not just the insurance and taxes, but the appraisals.My meagre 655 sq ft home has been devalued by $30k.I too am struggling,living paycheck to paycheck.I'm a state employee,no raise in 3 yrs and woefully underpaid to begin with.How do we change this?
by Barry
Aug 23, 2008 5:31 PM
I don't get it either, Pete. If she could afford the mortgage payments 2 years ago, why can't she afford them now? Where did the money (thousands!) come from for landscaping and why wasn't it applied to the mortgage?
by Richard
Aug 23, 2008 1:10 PM
What is it that people do not get that real estate is long term .... can she buy that house ten years from now for the same price.. i think not
by Pete
Aug 22, 2008 4:10 PM
This is a sad story but I don't get it. I bought in '05-at the height of the market as well. My insurance has not gone up since them but my propery taxes were reduced in '07 and will be '08 due to the reduced appraisal of my home.
by Jay
Aug 22, 2008 3:50 PM
I feel bad for her. She is a hard working person who tried to better herself. Something has to be done about the taxes and insurance in this state.
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