Topic: I, PAD (Read 13044 times)

vixmom · « **Reply #90 on:** June 08, 2010, 06:04:34 PM »

I have been missing my Jose stories ----come tell us more please

vixmom · « **Reply #91 on:** June 08, 2010, 06:05:01 PM »

Congrats to Elmore's godaughter on her scholarship!

vixmom · « **Reply #92 on:** June 08, 2010, 06:07:31 PM »

onight the Vixter and I went to orientation at the loca lcommunity college where the Vixter will be taking classes in the mornings during her last year of high school

vixmom · « **Reply #93 on:** June 08, 2010, 06:08:39 PM »

mebbe I kin tAke tpying classes there

Laura · « **Reply #94 on:** June 08, 2010, 06:09:27 PM »

LOL! Maybe.

vixmom · « **Reply #95 on:** June 08, 2010, 06:11:41 PM »

I love my cellphone - since I am seldom at home it is the most wonderful tool for a working mom

vixmom · « **Reply #96 on:** June 08, 2010, 06:17:38 PM »

I also agree about the debit cards - I remember that when I was in high school one of my teachers told us that we would in our lifetimes become a virtually cash free society I laughed but now I carry a debit card and rarely carry cash - the same teacher told me that we would all have computers inour homes - since we had one teletype computer in out whole high school I thought that was ridiculous statement

more fool me

Cillaliz · « **Reply #97 on:** June 08, 2010, 06:19:00 PM »

Hoo and Ray and Ray and Hoo!! I keep seeing a notice in my mortgage statement that you can refinance easily through the company that already has my mortgage. So tonight I picked up the phone and called. It's not a done deal and I'm not celebrating too much yet, but it's nearly certain that I will be able to go to a 20 year fixed at 4.85. Considering I'm at a 30 year fixed at 6.0 that's a deal. I have to send a few things in, but I discussed the self employed new business issue with him and he said it's not a problem.

The best part is I get Marriott rewards points for refinancing. What a kick! It's not 1 for 1 or anything, but it's making a NYC fall vacation a lot more tempting

Cillaliz · « **Reply #98 on:** June 08, 2010, 06:20:34 PM »

It's funny, since I've been working with my immigration clients who almost all use only cash, I've been using cash most of the time. It really helps me keep on a budget.

Cillaliz · « **Reply #99 on:** June 08, 2010, 06:21:47 PM »

The loan officer told me he thinks I'm paying way too much for homeowner's insurance. I'm going to call my insurance agent tomorrow and discuss it with him. If I can't get a better deal from him, I'm going to start shopping around.

Cillaliz · « **Reply #100 on:** June 08, 2010, 06:22:32 PM »

Let's see, we need to get to page 5

Cillaliz · « **Reply #101 on:** June 08, 2010, 06:22:42 PM »

I am still laughing

Cillaliz · « **Reply #102 on:** June 08, 2010, 06:22:54 PM »

Boo is looking out the window, at what I have no idea

Cillaliz · « **Reply #103 on:** June 08, 2010, 06:23:36 PM »

I'm thinking I need ice cream

Cillaliz · « **Reply #104 on:** June 08, 2010, 06:23:49 PM »

Maybe a chocolate dip cone

vixmom · « **Reply #105 on:** June 08, 2010, 06:23:56 PM »

the desktop computer and the internet completely changed the way I do my job - back in the "old days" the 1990's for nstance - titel reports came in the mail - bank closing packages came by mail or overnight carrier and closings were schedueld at least a week in advance - nowadays everything can be done by internet so people expect instanteous everything - if tehy get bank clearance at 10 AM they expect you to conduct their closing at noon

Cillaliz · « **Reply #106 on:** June 08, 2010, 06:23:59 PM »

That really sounds good

Cillaliz · « **Reply #107 on:** June 08, 2010, 06:24:23 PM »

So what does an IPhone do that a Blackberry doesn't

Cillaliz · « **Reply #108 on:** June 08, 2010, 06:24:54 PM »

The Schwann's truck that goes past my house has needed a break job for the past few months. They really squeal every time he goes by

Cillaliz · « **Reply #109 on:** June 08, 2010, 06:25:00 PM »

Ok, it was a post

Cillaliz · « **Reply #110 on:** June 08, 2010, 06:25:46 PM »

I'm doing all the refi stuff on the internet this time. I've always done it via mail. It will be interesting to see how it works

Cillaliz · « **Reply #111 on:** June 08, 2010, 06:26:18 PM »

We're getting closer

vixmom · « **Reply #112 on:** June 08, 2010, 06:27:12 PM »

congrats Cilla - that interest drop certainly sounds excellent! Take a carefuil look at your GFE for closing costs though you can often negiotiate those down a bit

Cillaliz · « **Reply #113 on:** June 08, 2010, 06:27:13 PM »

I don't know what I'd do without a computer at work. I would never have been able to start my business without it and the internet to do research.

Cillaliz · « **Reply #114 on:** June 08, 2010, 06:28:15 PM »

Yeah, there are closing costs, but I'm just biting the bullet on those. I don't plan to leave this house for many many years, so it will still save me money

Cillaliz · « **Reply #115 on:** June 08, 2010, 06:28:33 PM »

The costs are lower because they don't have to do an appraisal etc. that helps

vixmom · « **Reply #116 on:** June 08, 2010, 06:29:11 PM »

Cilla do you mind revealing the nameof your Lender? (or IM if you'd rather)

Cillaliz · « **Reply #117 on:** June 08, 2010, 06:29:48 PM »

No, it's Chase

Cillaliz · « **Reply #118 on:** June 08, 2010, 06:30:13 PM »

But you get Marriott points with them. That cracks me up

Laura · « **Reply #119 on:** June 08, 2010, 06:31:01 PM »

I have nothing to say except that the boy kittens are scheduled for their surgeries on Friday.

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Author Topic: I, PAD (Read 13044 times)

Cillaliz

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