Jesse, I apply shadow first and then liner--liquid or pencil.

It's good if the loan is a lower interest rate and there are no early payoff fees (if you intend to pay off early) and you don't ring up anymore credit card debt. If you are needing to quailify for a home loan, or auto loan or somthing you might want to hold off (or close the credit card account(s)) to limit the number of liabilities on your credit report.

Just a small addendum to this. You don't want to close all of your credit card accounts, because then you have no history. For example, you have 3 cards--one opened in 3/00, the second in 3/02, and the third in 3/04--and you close the first two. This would actually lower your credit score because you only have a trade line dating to 3/04 instead of 3/00. The length of your credit history is important, along with your payment history, and has a greater effect on your score than the amount of credit available.

Closing a lot of accounts at the same time also sends a red flag to the credit bureaus. They look for the ability to manage different types of accounts (bank loans, mortgages, credit cards), and eliminating a significant portion or all of one type says that you don't have a handle on things.

So, follow Gud's advice for the consolidation loan, but don't close all of your accounts. Cut the cards up or freeze them in water if you want to make sure they can't be used. The amount of available credit does not weigh as heavily on your credit score as once thought. It's the utilization (debt ratio) that's important.

I can't wear heels. I can walk in them, but my feet start hurting after about 15 minutes and it's just not worth it. Therefore, my shoes are not as fabulous as they might be.

Jonathan claims that Dr Phil did the same thing that TAR did, re: edit it to make him look like a jackass. Personally, I was really impressed with the way reality edited him to make him look like a jackass while he was complaining about being edited to look like a jackass for two hours at the finale party.

BWAH! The editors may be amazing, but they can't *edit in* stuff you don't do.

How were Freddy and Kendra? In interviews she seems pretty abashed about the "breeding and breeding" thing.

Ooh, Beej, that sounds so exciting. And now I want steel-toed Capezios.

Also, I hate my printer you guys. I wrote a scene, but it doesn't want to print it. When it does print, it gives me a different weird error message after each page it spits out. So time consuming. And I don't even want to go to this class.

freeze them in water if you want to make sure they can't be used

That's pretty funny.

Of course, with the internet, it's so much easier to use a card that's not there. Curses.

Pitchers and catchers reported today for some teams!

And in Cincinnati there was a collective sigh of relief, for lo, no matter what the calendar says, summer has begun! No wonder I'm giddy and bouncy today. I couldn't figure it out all day, until I remembered that pitchers and catchers reported today.

apparently I'm good at bossing around little kids.

Not just little kids. Trust me.

msbelle is way more bossy than me, however.

Oh, honey. That's not possible. There is NO ONE bossier than you. Ever. Sorry, msbelle, but it's true. Hec has bogarted ALL Teh Bossy in the world.

Wrod. But I don't complain too much because Hec bosses me into things I don't know I need/want. CG is like that, too.

Steph is funny. I was apparently on good behaviour when we met.

please share my earworm - Give me one moment in ti-ime.

Oh, honey. That's not possible. There is NO ONE bossier than you. Ever. Sorry, msbelle, but it's true. Hec has bogarted ALL Teh Bossy in the world.

It's a wonder I have friends at all. However, I've spent time with msbelle and she's got the bossy thing down.

Seriously, I think we need a Boss-Off. Put them in a city neither of them has ever spent much time, and see who wins.

Steph is funny. I was apparently on good behaviour when we met.

I think you were -- it was just a month after 9/11, and I think all the New Yorkers weren't quite themselves. But I remember that you were So! Fun!, and riding the Staten Island Ferry with you and Tom and Trudy. Somewhere I have a picture of that.