D'oh! That really sucks. Does your broker even listen when you talk to him.

I just talked to our lawyer and he says that this mortgage company (that the broker advised us to use) is the worst company he's ever dealt with. In 2009, we will be switching.

If I can't straighten this out myself, I'll send my lawyer after them.

Bi-weekly payments

First payment March 12

Property taxes included but $954 more than required

Megan, my bank is doing this too. Mine are trying to build up a little surplus in my tax account to give themselves surety that the taxes will be paid (Policy --I think they like to have 6 months ahead stashed). If this is what is happening in your sitch, you might be able to talk to them about taking those funds in a more measured way. I'm getting mine to build up the surplus, by taking a bit extra every month until they get to their comfort zone. They should have explained all of this clearly to you in advance, of course. Mine did, but I'm dealing with friends from a branch where I've banked for 15 years.

Not only did they not explain that to me, the guy I talked to yelled at me. The mortgage is not with our bank - it's with a mortgage company. 5 years from now, it will no longer be with this company.

Sorry to hear that. Can you go over the yeller's head? Yelling at customers, even ones you have locked up for 5 years, is of the suck. Their policy may be a bit more flexible than this guy has represented. My branch was pretty good about giving me options for setting the tax thing up, but then they do know me pretty well and have a more than theoretical commitment to customer service.

My husband called and found out the yellers name and his supervisor's name but I'm going to let our lawyer handle it from here. I wonder if I can go to the bank and negotiate a mortgage move now, or if it's totally too late.

Dude. while houses rock like Blind Guardian, mortgage troubles rock like Enrique Iglesias.

As to Angels, I'm satisfied. Wesley went apeshit in an entirely suitable manner, and played his best card often and loudly. Said card being the 'Sudden and unpredictable violence from nowhere' card. He's kind of like the Waylander of the show, with Angel being more in the Druss mold, but less fun loving, for anyone who reads Gemmell. Amy Acker's acting (Alliteration! Alright! All done.) was incredible. very alien, and not at all Fred until she went to the instant replay at the end, and AD and JAR brought their working shoes too.

Casting Time Stop rules, as does FarscapeFred's hole card. Said card being sudden and not unpredictable defenestration. The big Wheels of Time hook was well executed, and a good twist on the usual big ancienct evil thing showing up to destroy the world every year.

I liked.

WHY CAN'T WE FIND ONE DAMN COUCH IN THIS ENTIRE CITY THAT WE LIKE AND CAN AFFORD? WHERE IS THE ONE TRUE COUCH?

I take it the shopping did not go so well.

We looked at a dozen houses over 2 days, and bought one we love. We've looked at 200+ couches over 3 weeks, and can't find one we like & can afford. Where is the logic in that?

Of course I can find dozens I like....online. www.funkysofa.com has a bundle - but they're in California. Bah!