These Foolish Things
Maybe it's because I'm getting lonely and uninspired at work with everyone at VMworld. Or maybe it's because I haven't had a TV for like 3 weeks now (eek). Whatever the case, I've been hooked on this web log thing like a man stranded on an island stuffing parchments into empty bottles of rum and setting them loose onto the south pacific...Or hell, it could just be Ella Fitzgerald playin' on my stereo (thus the title). :)
So yesterday, took my next steps toward eventually becoming a homeowner. Spoke with a loan specialist (courtesy a friend's referral - thanks!) and he made things sound so realistic. I guess a large part of it was salesmanship -- he was good...smooth talker, and walked me through all the numbers. Reviewed my credit and gave me advice on how to crank my credit score up into the class A ratings, like transferring balances around between credit cards, aiming for a debt load < style="font-style: italic;">"175 thousand dollars? Are you kidding? That's a crapload of money! I don't want to settle down! I want my freedom!" Aah, yes. Smart move. But whatever, no regrets. Lesson learned, and now just gotta find a way to hop onto that real estate merry-go-round. Eventually in 10 years, the median price will be in the millions.
Now the next step is a financial consultant to figure out how to work the tax situation...basically you can claim much more deductions on your W4 (and take home a lot more pay), since you'll be able to write off most of your mortgage payments anyway. I just can't get over that I take home only 1/3 -- ONE THIRD! of my freakin' salary. Uncle sam, you can just kiss my hairy ass.
Also, stupid thing...I've been cravin' hedgehogs on and off for a long time. But have been hesitant because it was waaaay too expensive from Purdy's online. Or so I thought...turns out that underneath the picture of the chocolate delicacies were these small two flags, one with a maple leaf and the other with stars and stripes. Duh. I was looking at Canadian prices. So I repriced a box in USD and it wasn't too bad...definitely still not cheap. But hey, those hedgehogs are damned good. So I got a box of hedgehogs, english toffees, and peanut butter daisies on a truck bound for my office. I know, that's a lot more than just hedgehogs -- but hey, it'll be halloween soon and it's all for sharing -- everyone loved the box I brought in last time. I'm just gonna have one piece. Or maybe two. Or maybe three. heheheh
posted by VirtualErn @ 8:23 AM
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6 Comments:
i'll send my kids over to your place for halloween. "make sure you say, trick or hedgehogs!!"
owning the house is a good thing. what the heck. whatever works for ya!
i'm enjoying reading your stuff. (even if i don't always get the technical jargon). no TV is good. i'm sure your brain is thanking you.
:-)
What sucks about the house thing is that I'm only pre-approved for an amount that'll at best net me a 1 room shack on the corner of Skid Row and Desolation Alley. :( I guess the trick is to find some rich hot asian chick to gold dig off of. heheheheh
my favourite ella fitzgerald blues song was "learning the blues"...
When you're at home alone
The blues will haunt you constantly
When you're out in a crowd
The blues will haunt your memory
The nights when you don't sleep
The whole night you're crying
But you can't forget her
Soon you'll even stop trying
You'll walk the floor
And wear out your shoes
When you're feeling your heart break
You're learning the blues
aray!!!
:-)
ya know... Raf and his dad are building homes on bernal hill in the city. Affordable housing, built to suit. you should talk to them. serious!! i can set up a chat, will provide wine, blue cheese and figs, and ella songs and all.
Cool! Free wine, blue cheese & figs? I'm so there. e-mail me
oooh, not a bad price for Hedgehogs...i'm going to have to start ordering some too :)
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