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, 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.]
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.
I like the idea of Steph with goons.
msbelle, you are TCB all day today. I'd like some of that motivation please.
[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.
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.
[SPOILER: we don't actually have goons.]
One word: outsourcing. You can take your pick from the highly competitive firms of Goons 'R' Us, Goons Goons Goons, or Goons Thugs and Beyond.
And it might be a higher interest rate in the future when you no longer need PMI.
Good info, thanks. My other research is saying to expect a longer escrow for FHA. Like 4-8 weeks. That will be a question I ask tomorrow.
Next up, realtor. I have a couple recommendations I'm going to check out.
