dingolord

Male
from south of Dayton, OH

  • Activity

    • Early withdrawl

      12 years ago

      dingolord

      We pulled out. After talking to our lenders, and the realtor/seller again, we've decided that whether or not this is the "right" house for us, without the appliances in it there's nothing we can do about it. There's no way we can get the appliances through the mortgage (one of them told us that, by law, we never would have been able to no matter what), and appliance stores laugh at us when we walk in. So, for that major reason, I emailed the realtor and told her that we can't do it. Plus, it gets us out of the whole realtor=seller fiasco. The more I deal with her, the more I realize she's a crappy realtor, at least where selling her own house is concerned. She made us sign paperwork and give her an earnest money check prematurely (we hadn't actually agreed on the amount pending the whole appliances thing - which she told us we could do, but she's apparently very wrong), she keeps bouncing me back to this one particular mortgage broker at a local bank because A) her friend works for him and B) he's apparently her "expert advisor" on the whole mortgage thing (and, of course, he's trying to work things out in her favor), and she keeps jumping the gun on things like title searches and inspection appointments even though we still haven't officially put a number down on paper. For someone who told us that she's not being pushy, she's sure being pushy. I'm going to see what she says tomorrow before I decide whether to go to her manager or not. I know nothing at all about buying houses, but I know that this has not gone well, and it's all the fault of our realtor. I'm hoping she'll come to her senses, say she's sorry, give us our earnest money check back (which was post-dated to 1/12 anyway... which is practically right now - I'm willing to stop payment on it if I have to, but Christie thinks that would look bad if we end up going over her head at the realtor company), and effectively help us out with buying another house (since one of the papers we signed says that we're stuck with her for 90 days). If I get even the smallest hint of bitchy from her, though, I'm going straight over her head to get this sorted out. Me + unhappy = heads roll.

      There's two other houses nearby, one with the exact same floor plan, that we want to drive by and look at on Saturday and maybe start thinking about. Both of them have appliances. Neither of them is owned by the same chick. All depending on how much effort I have to put into dealing with the current realtor, of course.

      At least getting our school stuff in order seems to be going smoothly. Just sent the loan stuff in to the financial aid office the other day. Christie needs to take her placement exam, then we need to talk to an advisor. Then we buckle down and study. It's not as complicated as buying a house.

    • Eight forty-five per month

      12 years ago

      dingolord

      We've got one solid estimate in hand for our potential mortgage - $845 a month. Seems like everything's getting more tense the closer we get to finishing all the paperwork. You'd think it'd be getting easier, but the more we have to negotiate the numbers the more... real everyone becomes - and the harder they get to deal with. I'm excited, because now it's almost certain that everything's going to work out, but damn this house stuff is stressful.

      We're on track to close on February 15th. We should be 98% ready to go by January 15th. By January 25th, we'll be able to give our apartment 30 days notice that we'll be out my March 1st. Since no one's living in the house right now, I'm going to try to get the keys by February 7th. Little by little we're going to move as much stuff as we can over before we have one big moving day near the end of the month.

      So much to do.

    • More on the homefront

      12 years ago

      dingolord

      One good thing about the realtor also being the seller - yesterday, while signing papers, she gave herself until the end of the day to accept our offer, and accepted it within 10 seconds of us signing that paper. It's nice when there's only two parties involved - although I feel we're missing out on a learning experience should we ever go to do this again. I still like that it's easier this way, though.

      Yesterday I was on the phone with all three of the lenders I'm considering, and getting all my crap together. Sent paperwork through email to one lender yesterday, was supposed to physically hand paperwork to another today but he hasn't called me, and the third will have his stuff together on Monday. Once I have firm numbers in hand, I get to pick one and get everything started - because the papers we signed with the realtor last night say we're closing on February 15th.

      Provided everything goes according to plan (or, as it appears, semi-according to plan), we'll have a house on February 15th.

      The only small stumbling block is that the house may not appraise for what it appraised for last year. Last year it appraised for $122,000. Right now, it may not appraise for more than $114,000... which is about $6-8k less than I was hoping for to give us that cash buffer for appliances and furniture (refrigerator, dishwasher [which we may not even be able to get because there's no hookups for it], stove, front door, bed and dresser for 2nd bedroom, new tv because we deserve one, new microwave because it's pretty, new vacuum because we want one... okay, so maybe not everything on the list is important, but that's beside the point), but I guess the less we mortgage the lower our monthly payment will be. We'll have to see if we can find an appliance place that will give us credit, which is a pain. We can apparently easily get credit for big things like cars and houses, but credit card companies don't like us too much, and when we bought a washer/dryer last year it was like pulling teeth to get them to give us the money (and God forbid we default on that loan - our collateral on that is the washer/dryer, half of our electronics, and my old broken car... fucktards). I guess all we can do from here is hope it all works out. It seems like it's going to work out - money's going to be tight for awhile, and the appliance thing is a big one, but otherwise it all looks good.

      It won't feel real to me until all of this works out... but I'm still pretty excited.

      lphoto6a39f8dcxj5.jpg

      Yay!

    • Home on the Range

      12 years ago

      dingolord

      Looks like this house thing is actually going to work out. We met with the realtor last night at the house, and we love it. It's just a perfect little house. Turns out it's owned by the realtor - her and her friend are flipping it. They bought it and did all the renovation themselves in 2006. Her friend works for the mortgage department of the bank the realtor recommended us to for the mortgage. Funny how that works out. I don't think we're going to go with that bank anyway - I've got a pre-approval from a lender in Michigan with better preliminary numbers. They're actually willing to lend us up to $165,000. How nuts is that?? The house is only about $120,000 (even after we fudge the price by about $12,000 to cover appliances and furniture we'll desperately need on move-in), so it's well below that threshold and will only make them happier to lend us the money. No money down, closing costs can be rolled into the mortgage (although I'm going to try to get the seller/realtor to pay half of them), and we'll only be out-of-pocket about $1000 - $500 in earnest money and about $500 for a bank appraisal fee.

      I'm not entirely sure I understand everything I just wrote, but I think I understand enough of it to know that while this whole buying a house thing (on a whim, no less - two weeks ago we weren't even considering a house, and just in the last week we've gotten mortgage pre-approval and have decided to make an offer on one... it's nuts) is complicated and incredibly expensive, it looks like we're actually going to be able to do it. Since no one's living in it now, we could maybe make things move quickly enough to move in at the end of February (or slowly enough, depending on how you look at it... we could likely move in at the beginning of February, but we have to give the apartment here 30 days notice, and there's no way we can afford a rent payment and a mortgage payment in the same month, so maybe we can make the bank move just slowly enough to give us that break, but just quickly enough to not put it off until March).

      Expensive, yes, but our taxes next year should be nice. Plus, with the new Wal-Mart less than a mile away (this house is about 1000 feet from the main street, and the construction is happening about 3/4 of a mile down the main street) planning to open up this year, the whole area is pretty much scheduled to skyrocket in value, so it's a good investment for us as well. I wouldn't be surprised if the house value jumps 30-50% in 5-10 years once post-Wal-Mart development changes the landscape of the area to get rid of all the lower-class crap businesses (although I hope the New York New York Gentleman's Club sticks around - it's right on the "corner" where the Wal-Mart entrance is going, and it would be funny as hell to have a "Wal-Mart strip club"). Heh... listen to me talking about investments and 5-10 years. I've never thought that far in the future before. Guess I'm growing up... or something.

      Once all this house stuff is completely under way (I'm giving it about another two weeks for me to get everything in order), we get to start on our school stuff. Yeah, this year's going to be a pain and a half, but it's going to be a good one. Our horoscope for the year said it would be. Something about Jupiter and big plans - specifically mentioning buying a house and going to school, two things we were already planning to do. I'm not really an astrology person, but if it's in the stars, who am I to argue? smiley1.gif

    • I miss my vacation already...

      12 years ago

      dingolord

      My work day started at 1:00 am when I received a call from a 3rd shift supervisor about shipping label printing. I'd been asleep for 20 minutes - just long enough to make waking up to get the phone really annoying.

      Then I got a call from the shipping department at 2:00 am.

      7:30, 7:45, 8:00, 8:30, and 8:45 finished out the 7 calls I got before I left the house. Then I got one at 9:10 while I was scraping my car off (I was late [not that anyone cares as long as I'm here before noon, or lie and say I'm at another plant] because my car was covered in ice... as was Christie's, which I had to throw my shoes on and go out to her car just to force her driver door open). I ran around like a maniac from when I walked in the door until about noon (although it felt much later).

      Since 1:00, I've been sitting on my butt doing nothing but freezing my ass off in my air-conditioned office. Stupid computers.

      I have 43 hours of vacation saved up from 2006. When it gets closer to 60, I'm taking a week off... especially since I just found out that it all carries over, but once I get to 80 it stops accruing. So I don't lose it if I don't use it - instead, I lose everything after that until I use what I've got.

      Yeah, I see another week off in my near future... smiley8.gif

    • Happy New Year

      12 years ago

      dingolord

      Unfortunately, today is Sunday. Monday is the last day of my nice company-paid 11 days off (minus 1 - I had to go to Troy on Friday, but that wasn't so bad). I don't want to go back to work, but I guess if I don't, I won't get paid, and if I don't get paid, I can't pay bills, and if I can't pay bills, my credit report will suffer, and if my credit report suffers, then we really won't be approved for a home loan.

      Today is Sunday. On Thursday afternoon, we're meeting with a realtor to look at a house nearby. We saw it on Christmas Eve while driving around and looking at lights. We've never been really interested in buying a house before, but this one just jumped out at both of us - in the middle of the night with no lights on it, no less... we were just driving by and it caught our attention. The only thing we're worried about is getting the money for it, but the online applications seem to like us (for $120,000, too), so I don't think I'm really worried about that anymore.

      Our New Year Resolutions. A) Possibly buy a house. B) Get stuff together to go back to school in the Spring. C) Not kill anyone (unprovable "accidents" examined on a case-by-case basis).

      Here's looking forward to 2007. I'm excited for it - it could be a really good year for us, if we just follow through on the things we're looking at doing.

    • Casinos are fun -

      12 years ago

      dingolord

      - but never walk into one expecting to win, because you won't. Casinos make money because everyone loses. They give you free alcohol because that makes you more likely to lose. They set their slot machines at a profitable low-percentage payoff rate so constantly spin one more time out of frustration. They give you a little card to store up worthless points on so you can spend more money to hit that invisible marker that might get you something back from the people taking your money. This is how they operate. But they're fun, and if you're even just a little bit lucky, you can have a good time for a long time, which is what we did the last two days. We started Tuesday afternoon (around 1:00) with $600 in spendable game money. We left this morning (around 10:00) with $300. Three hundred for about 10-12 hours of slot playing is pretty good. Sure, I'd have liked to break even, but at least we walked out with something, and that makes it fun.

      Plus, there was a TV in the bathroom viewable from the bathtub with jets, so Christie was happy even without the spinning wheels and beeping lights (beeping sounds + blinking lights = beeping lights). If anyone decides to come out and visit, bring some extra cash and we'll take you out there (to the beeping lights, not to the bathtub. Perverts.).

    • Merry Christmas!!

      12 years ago

      dingolord

      It's a little early; big deal. You know why it's not considered jumping the gun? Because I don't plan to talk to anyone before Christmas anyway. So take your Merry Christmas now and like it, by golly.

      smiley1.gif

    • I hate my job

      12 years ago

      dingolord

      Seriously, I do. Yesterday was the worst day I've had in months - 12 hours long and crappy. First I have to meet with my supervisor for my end-of-year review, except we only talk about that for 5 minutes (I filled out all the paperwork about myself, he only added two lines and checked the "grade" box [I got a B, by the way, which in France is like 110%] ) before going into how shitty the rest of our department is and how hard it is to get anything done... like I needed to sit through someone else bitching about it, let alone the guy who's supposed to be the one able to do something about it.

      After that two hours of hell, I went down to McDonalds to test my laptop connection on their wireless. I found out that *I* don't have any problems, so everyone else with problems is kinda on their own. Yeah, they hate when you have to say things like that, so I spent some time listening to people bitch at me because they don't like the answer of "well it works for me, so I can't help you". I followed that up with a trip to Troy, where I listened to people bitch about the new ADP system (which is, of course, partially my fault, even though I'm the only one who can get it working correctly at all, since no one at Corporate can bother to test things before they put them into production) and told a representative from Chrysler that, basically, I'm sorry that he's no longer able to break the rules and access his network from ours anymore, I don't know what changed, but the fact is that he never should have been able to get through to begin with, so helping him break the rule again just isn't something I can do. Yeah, reps from our customers don't like things like that. Sucks to be him.

      I left Troy at 5:15 and ran into traffic caused by accidents in Dayton (apparently, someone flipped their car in the center lane... I never saw it, because after an hour of going 2 mph I ducked down a side road and took a normally-longer-but-much-shorter-this-time detour to go around it all). After finally getting back to Franklin, I spent the next two-and-a-half hours fixing a dying hard drive (which, of course, had no backup) out of the pipe-bender-from-hell which always gives me some kind of problems. During this time, I ripped my pants while retreiving a screw I dropped.

      But it's okay. Tomorrow is the first of my almost-full-week off. Friday, Saturday, Sunday, Monday, Tuesday, Wednesday - all off. I have to work on Thursday and Friday to deal with more bender hard drives, but no one else will be here those days, so it's okay.

      I'm just looking forward to Tuesday and Wednesday. Casinos are awesome. smiley0.gif

    • This Week in Pop Culture History

      12 years ago

      dingolord

      Every so often, while popping through the random news articles I read to keep myself informed on the world around me (which sucks, by the way... if you haven't been outside recently, I suggest staying in), I run into a little middle-of-the-page-on-the-right box that AOL sticks in some of its news stories called "This Week in Pop Culture History". 99% of the time, it's interesting but not really worth sharing. Today, though, there's a couple that were just plan funny as hell.

      frankzappabaltimoreql9.jpg

      Baltimore, huh? That explains a lot about the Zappas...

      vangoghpo0.jpg

      And all this time I just thought Van Gogh was a little weird. Sounds like a voodoo ritual gone wrong. "If I cut off my ear and give it to a prostitute, I'll never have to paint alone!!" Shame psychiatry wasn't invented yet.

      And finally, the pièce de résistance that finally proves what I've been saying since the first time I ever saw or heard them:

      keithrichardsbirthdayyn8.jpg

      Happy Birthday indeed, Mr. Richards. Are you proud of yourself? Hmm?? Jerk. Inflicting Mick Jagger on the rest of us like that. If only the Stones had gotten a below-average guitarist, we'd never have heard of them. Ah, to think about what might have been...

  • About Me

  • Comments (3647)

    • espithaca

      13 years ago

      we both know you suck at acting.


      You think so? I've done a pretty good job convincing you that I like you... smiley8.gif

      I think I'm actually a pretty good actor. Took a handful of courses in high school and one in college (would've taken more, but IC isn't as "liberal arts" as it sells itself) and had a blast and lot of good things said about my abilities... That said, I'm not moving to LA or NYC any time soon...

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      And I would *stop* loving you.

      Not that I do now or anything. You know what I mean.

      I know and thats why I would never do that to you, its ok I guess I will have to find someone else with a hot mom.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      And that's why I'm not actually going to give her your number. Sicko.

      She would love me.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      No worse than her current, thanks a lot man. Lol and I would so tell you everything, in great and graphic detail.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      She is hot isn't she, thats why. Hey you want to hook me up with her mom?

    • ohfer

      13 years ago

      Tomorrow's Eric's birthday. Just in case you want to leave obnoxious messages in his comments.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Yeah I could see how that might be weird, her seeing you everyday, and thinking about you naked.....

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      I don't know, it might suggest that her mother (your mother in law) not come over any more.....unless you like your mother in law.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Home alone.... you says....... dude naked laundry day. Trust me you will thank me later.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Ok fair enough. So how are you doing today man? Having a good weekend so far?

    • JulyFlame

      13 years ago

      They were the only birthday milestones I could think of at the time.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Amber, she came back about a week ago. She has kept everything low key this time.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Hey Steve, I am gonna raid Amber's profile like she use to do is us. I know your journal entry was about how you might be leaving us for a while, because it is something you just do, but would you like to do this for old times sake. I think it would really bring a smile to her to face to see some of her old friend mass her with lots of red alerts.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Thanks, someone asked me about it, and I could find the site so I figured I would ask ya again...

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Hey didn't you use to have a link in your profile for the rt extender?

    • ohfer

      13 years ago

      Holy crap! Why is it that the equation of you + cars = certain doom?

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      I figured it was worth a shot, I know that the eventual day I get hooked with a ball and chain, I won't have those days any more.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      I informed your wife that the two of you need more naked laundry days. I don't know if she is going to go for it.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Laundry day again? Wow, how the time flies. It seems like last month's laundry day was just yesterday...


      I know oh how time flies. All too soon I will be having laundry day once more. I think I need to enjoy these days now for when I finally meet "the one" I am guessing she won't have enough clothes to do once a month laundry day. So how is your day going? Dealing with that crazy woman today?

    • comrade693

      13 years ago

      There are times when I'm so busy that I don't pick up on humor...

    • comrade693

      13 years ago

      What...I even commented on yours

    • espithaca

      13 years ago

      What?! I'd wager that my Fuckas has more power and heart than your plastic toy. ;) She handled the hardcore winter of Ithaca with no problems and has survived Boston potholes with ease.

      And didn't you know that I had a Focus? I had pics of it for months! *tch* Sounds like all the aggravation and gas fumes from that Saturn... (Or was it "Saturd?) has messed with your memory... :P

    • ohfer

      13 years ago

      I wouldn't be surprised if you scared all the ghosts off. smiley6.gif

    • ohfer

      13 years ago

      So? Didja get haunted?

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Yeah I can understand thatI hope things get easier.

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      You do understand that most people don't drive their cars more than 100,000 miles, i know my last saturn went to 110,000 with no problems, then I sold it to a guy and he totalled it.

    • espithaca

      13 years ago

      Oh Steve! You're such a rebel!

      433546577.jpg

    • espithaca

      13 years ago

      Hmmm... sounds like a lot of effort... and considering I just finished doing the drag and capture technique...

      Thanks, though. smile.png

    • espithaca

      13 years ago

      Will that save each page as an image file?

    • espithaca

      13 years ago

      P.S. I don't suppose you know an easy way to capture all of the pages of a PDF doc as image files and save them to a folder... *wishful thinking*

    • espithaca

      13 years ago

      That was a good shirt to get pooped on in. lol.png

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Hey bud, so how are you doing?

    • ohfer

      13 years ago

      Some of those Urban Dead players freak me out, man. I signed one of my characters in and found this.

    • ohfer

      13 years ago

      So ... enjoying your paid holiday? smiley1.gif

    • reedmon29

      13 years ago

      Ouch. Sadly, hard drive failure is like the cancer of techies. Only, it isn't curable, and it happens instantly. smiley2.gif

      I'm actually kinda happy with my current setup - primary HDD mirrored on external drive. Pretty much the same as yours, only my backup is 160gb.

    • ohfer

      13 years ago

      The only reason you were faster than me in this instance is because you knew it happened before I did. smiley6.gif

      Now go eat your pie.

      Post edited 6/27/06 4:52PM

    • ohfer

      13 years ago

      Well, FINE!

    • espithaca

      13 years ago

      No no no, I mean, it would have been even more apropo if you first see the old lady when you look at that drawing...

    • espithaca

      13 years ago

      Oh yeah! So, are you just using that to make a point? Or do you actually see the old woman before the young lady? Because that's not a very good drawing of an old lady... wink.png

    • espithaca

      13 years ago

      Crap, I've seen that pic before... I remember the old lady in it... But now I can't see it... How apropo...

    • espithaca

      13 years ago

      I didn't say it was a good selling point... just one of questionable ethics...

      *sigh*

      Nevermind...

    • espithaca

      13 years ago

      I know that, I was more thinking along the lines as the potential selling point that is being made on this product that destroys data differently... more efficiently... more completely...

    • espithaca

      13 years ago

      Oh, and see, I would've thought the whole "legal discovery" IT stuff would've interested you... I guess not...

    • espithaca

      13 years ago

      Not that hard for you to figure out, maybe, Mr. Lord... but for the rest of us peons... tongue.png

    • ohfer

      13 years ago

      Thanks anyway. I'll tell you, I've never run across such a chatty zombie.

    • ohfer

      13 years ago

      You hang out with the RRF; does the following mean anything to you?

      "Namrh Marra Rarh Hrman Anrmarranrrh Hbrrh Agrh rarh rh Grnrrh rmarh Hrrgh rrh hra rrgh rnnrn rrrrrn hra arrh rrrh rrng hra hrh rh rhrrh brrrrh hrrh rh, hrh hra brnrh harrh an an arragrh brrh. Rhrng Armrrh rarn Ab"

      Crap, looks like I didn't get the whole thing and now it's too late. Anyway, I did a DNA extraction on a zombie in a cemetery in Fryerbank, and he's not only got Brain Rot, he's a member of the RRF. As soon as I did the DNA extraction he became extremely vocal but didn't attack me.

    • Frankfurter

      13 years ago

      's cool.
      I should probably stay away from Ridley anyway.

      The way I've been playing Devlan, he doesn't have any friends. Anyone who makes it on to his contact list is only there so I can recognize them later to kill them for a wrong they did to me.

    • Frankfurter

      13 years ago

      So the Ridley Band resistance front, eh? I don't suppose you're a freewanderer?

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Check it out....Akla

    • Kaal FIRST Member Star(s) Indication of membership status - One star is a FIRST member, two stars is Double Gold Menoth's will

      13 years ago

      Steve, I have the death mark in 9 systems.......I just reread the tale, I think it is funnier the second time around.

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