People end up watching HGTV because there's fuckall else on tv, don't they.

Pretty much. When I'm tired of playing confirmation bias bingo with Finding Bigfoot and Ancient Aliens, HGTV is my go to.

And it's really easy to half-watch.

Unfortunately, they're doing a marathon of "Rich white people move to Spanish-speaking places."

Ok guys. I qualify for an FHA on my own. I'm 12 credit points shy of a conventional loan. My main issue is the lack of credit use in the last 6 years (as expected). Her suggestion was to get a secured credit card, use if for gas/pay it off. And possibly by the time we get to escrow we may be able to switch from FHA to conventional. If not - I should be able to refi within 6 months to conventional.

So talk to me about the difference. I kind of understood and she is sending me worksheets but I haven't gotten them.

I was surprised how fast a credit score can change with adding accounts and paying down existing debt. 12 points sounds very doable.

I have been workin (3 hrs of meetings down) and made banana bread with pecans and snickerdoodles.

I was all jealous, but then I remembered I made deviled eggs with avocado, and some lemon-ricotta "cheesecake" stuff. And then I wasn't so jealous.

Sadly I'm still feeling all weird and anxious and exhausted at the same time. I blame work, which was infuriating on two different fronts, today.

I haven't been to a fast food restaurant since November, and also have not had a soft drink since November. With my typical work schedule this is a huge hurdle for me to overcome, but it's something that has needed to happen

That's really impressive, Drew! I have a really hard time with that myself when traveling--I don't have time for a sit-down restaurant but fast food is awful for me, but bringing something with is hard.

So, obviously, I re-sent it to him and said "Per journal policy, all queries must be answered or we will be unable to move forward with production on your article." My guess is he leaves at least half unanswered.

That would make me so glad I was working from home, because if I were in the same place as him I would be so tempted to thwap him upside the head.

WHAT THE HELL???? Furloughs for contract staff this month.

WTF? didn't you JUST start??

I would like a financial planner, but don't know what I want to plan FOR? I mean other than "I want to retire someday" and "I don't want to be homeless if I lose my job for a little while"?

People end up watching HGTV because there's fuckall else on tv, don't they.

And it's really easy to half-watch.

This is why I watch it. Though yes, the current "let's move to the Caribbean!" makes me want to hurt people. Why do they have all this money to spend and not need like, jobs?? Ugh.

Meanwhile, in house news, apparently I cannot refinance until I have the appraiser COME BACK to ensure I have...a carbon monoxide detector. SERIOUSLY?? They won't give me a loan until I have one, and need the appraiser to confirm it, and will charge me extra for him to do it?? Dude. Could you not have told me this sooner?? WTF?

Yep, in here for less than a month. Also, WTF???

Furloughs suck.

Yay, SuziQ!

Unfortunately, they're doing a marathon of "Rich white people move to Spanish-speaking places."

Oh, ugh. I much prefer the one with the woman who renovates run down houses in Minneapolis and Detroit.

People end up watching HGTV because there's fuckall else on tv, don't they.

That was my experience today, yes. And cute as Scott McGillivray is, people who can get a half million dollar home loan do not "need your help more than anyone," what they need is to lower their expectations to something they can reasonably pay for.