Toddson is SO me! A friend is a works Real Estate, and she was confident that she could find me a place. On a theater salary, in the LA area... HA! Anyhow, the mortgage broker did the same with me, "look, the only way you will be able to afford a place is do 100% financing with this ARM and that ARM and in 5 years you re-fi them together for another ARM..." some crazy shenanigans. I did the math, and calculated a 1/4% adjustment and realized I'd be broke if that happened. 1/2% and I'd be bankrupt. I asked point blank, "what do you think the odds are the interest rates will go up in the next 5 years?" "oh, well the rates keep coming down, so doubtful". Ya. I don't *NEED* a house, I just *wanted* my own place. In the meantime, the rental I have is perfectly affordable thankyouverymuch.
So glad I can do math! And know how to apply said knowledge!
My AM went down this year. ( No refi 'til we get out of the jumbo loan territory)
This could be DH's last day at work . Or not
I took this week off work-- just for rest.
In cat news -- I woke up around 1 am because my legs ached( we took down a tree)and decided to go to the couch where it is easy to elevate my legs. Percy came over to me- tapped me --and told me that his food bowls were empty. so I ave him more food.I got back on the couch and because there was no better place to be,he sat on me. Purring. expecting to be pet. no sleep for me. this am when DH got up --- more food now -- and wait -- you aren't paying attention -- so I must jump up on the arm of the chair. ( he has barely made it into the seat lately )
and I just got off the phone with DH. The guy he worked for at the hospital -- the one that agreed that he should go back to his evilcompany -- has some positions open -- with more responsibility,
I am on a roller coaster before coffee.
we have an ARM, but we were well informed of the facts and risks. It's set for another 2 years, and has safety nets built in.
I'd be lying if I said I wasn't nervous about it in this economy, but I think it will work out OK.
I'd love to refi into a 15 year mortgage though. Less interest and more principal!
happy birthday Nora.
matt wants to refi to a 15 year. But I need all other debt gone and the ability to buy a car in cash to do that.
I don't wanna go to work. Blah. I'm feeling the beginnings of the ick coming on. I blame the two kids in the show, as it is my theory that kids are walking Petri dishes filled with germs.
Akshit: Now he called me a fucker!
Heh!
Happy birthday, Nora! It sounds thoroughly indulgent and well planned. Have cake! Avoid financial catastrophe!
I'm back from the morning commute.
Last year, Emmett's classes started at 8:55. This year they start at 8:00. Fortunately, Matilda's daycare takes kids as early as 7am, so we roust everybody up and we're out of the house by 7am (no easy task with two sleepy kids). Drop Matilda off first, then head across to the East Bay to get Emmett to school. Then drive back and try to find parking on street sweeping day.
Emmett's grumbling a lot about the schedule, but he only has to get up 15 minutes earlier at my house than he does at his mom's house. Still, it's a grind. I've been up and running for 2 1/2 hours by the time it's 9am.
On the plus side, once I get some temp work again it'll be easier to make it downtown on time.
Happy Birthday to Nora!
waves hi to honeymooners
Much ~ma for your cousin, Hil.
Mom and I were talking about the gifts after and she said it was because people don't think I'm ''like that'' whatever that means.
Ha! Well, I think you're sexy.
Ugh, David. I sincerely feel your pain. I am out the door at 6:55 with Brendon, then off with Bobby at 8:30. To work, then pick up one at 4:30 and the other when he calls which is anywhere from 3:00 - 8:00 depending on sports. I'm running constantly.
Happiest of happy days, Nora!!! It sounds like a lovely day you have planned.
