Sorry to hear that life is piling the crap up on you, Plei.
This may be the most encouraging science news I've read in years: [link]
Ginger, think they might be realistic about their time estimate?
Xander: I do have Spaghetti-os. Set 'em on top of the dryer and you're a fluff cycle away from lukewarm goodness. Riley: I, uh, had dryer-food for lunch.
'Same Time, Same Place'
Natter 73: Chuck Norris only wishes he could Natter
Off-topic discussion. Wanna talk about corsets, duct tape, butt kicking, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
Matt the Bruins fan - Mar 05, 2015 3:51:15 pm PST #21411 of 30000
"I remember when they eventually introduced that drug kingpin who murdered people and smuggled drugs inside snakes and I was like 'Finally. A normal person.'” —RahvinDragand
Steph L. - Mar 05, 2015 3:54:20 pm PST #21412 of 30000
this mess was yours / now your mess is mine
I'm both laughing and wanting to punch this author through my computer. The author who replied "no changes necessary" even though there were several direct queries he didn't answer? One of the queries was to change the title, because it was vague and wasn't science-y enough (the senior staff prefers the article titles be about whatever medical dealie the article is about, not something like "Bold Changes Ahead!", which is more or less what this guy titled his article).
His reply? "I like the title."
He might actually be Bartleby the Scrivener.
I'm punting this one to my boss. I'm over this jackhole.
Jesse - Mar 05, 2015 4:01:17 pm PST #21413 of 30000
Sometimes I trip on how happy we could be.
Steph, that sounds like some of my coworkers. At least you (/your boss) have some leverage in the situation?
msbelle - Mar 05, 2015 4:02:48 pm PST #21414 of 30000
I remember the crazy days. 500 posts an hour. Nubmer! Natgbsb
both of us - fold and put away clothes from drying racks
me - vacuum front room - carpet and furniture (damn animals)
me - use up as much of the perishable food as I can - 2 egg scrambles done and all breakfast sausage cooked, big salad with leftover chicken, caprese salad and leftover pizza
both of us - vacuum respective bedrooms, put away clothes
both of us - pack - mac has laid out his clothes for me to check
me - litter boxes
mac - vacuum furniture in backroom
me - DEAL WITH THE PAPER EVERYWHERE
me - upload medical bills to fsa - did one, have not found others
me - start taxes? (honestly probably not)
me - check all bills to make sure are paid
me - food scraps to compost.
I may still get started on packing, and I will absolutely get mac's stuff packed. Since the roads cleared, I went to the store for a few things and mailed 2 packages. There were definitely be school and work tomorrow, so paper will most likely not be dealt with thoroughly. The food, I will take lunch to work tomorrow and then just do the best I can with dinner tomorrow night. Maybe I'll pack a salad for the plane.
Steph L. - Mar 05, 2015 4:04:32 pm PST #21415 of 30000
this mess was yours / now your mess is mine
Steph, that sounds like some of my coworkers. At least you (/your boss) have some leverage in the situation?
I've actually not yet encountered an author who flatly refused to change something when we requested that they do so; I'm not sure at what point we say "Okay, we'll leave your stupid-sounding title," versus "Change the title or our goons will show up to remove your kneecaps!" [SPOILER: we don't actually have goons.]
Jesse - Mar 05, 2015 4:11:42 pm PST #21416 of 30000
Sometimes I trip on how happy we could be.
Look at you go, msbelle!
[SPOILER: we don't actually have goons.]
Dammit.
Maria - Mar 05, 2015 4:12:56 pm PST #21417 of 30000
Not so nice is that I'm about to ruin a Friday morning for a bunch of people because of a series of unfortunate events and an upset foreign government. - shrift
one of the key differences between FHA and non-FHA is that if you don't put down 20% you'll need to pay PMI (mortgage insurance)
FHA also requires PMI though that does not fall off when you have 20% equity. It remains for the life of the loan. FHA benefits? A lot lower down payment, debt to income ratio can be higher, and no need for a co-signer. I really don't see a downside to starting off with an FHA loan, and then refinancing in a few years to a conventional.
FHA might be a good start so you don't have to raid your reserves to come up with a huge down payment.
Maria - Mar 05, 2015 4:14:00 pm PST #21418 of 30000
Not so nice is that I'm about to ruin a Friday morning for a bunch of people because of a series of unfortunate events and an upset foreign government. - shrift
I like the idea of Steph with goons.
msbelle, you are TCB all day today. I'd like some of that motivation please.
aurelia - Mar 05, 2015 4:18:22 pm PST #21419 of 30000
All sorrows can be borne if you put them into a story. Tell me a story.
[SPOILER: we don't actually have goons.]
That you know of.
I am so tired. I've had no energy all day. I think all my energy has gone to my immune system. I hope it wins.
javachik - Mar 05, 2015 4:20:39 pm PST #21420 of 30000
Our wings are not tired.
FHA also requires PMI though that does not fall off when you have 20% equity. It remains for the life of the loan. FHA benefits? A lot lower down payment, debt to income ratio can be higher, and no need for a co-signer. I really don't see a downside to starting off with an FHA loan, and then refinancing in a few years to a conventional.
Yeah, that's actually what I was trying to say, but didn't word it well. I had an FHA loan, which I just refi'd into a conventional loan. My income meant the PMI was no longer a tax-write off, so I had extra reason to refinance. The difference between when I got my FHA and new FHA loans is that PMI is for the life of the loan (when I got mine, you were able to reassess based on equity after 5 years). So to drop PMI now, you need to refi into a conventional.