**
It's me!
Muhahahahahaha!
My 8-year old, Harrison was almost given a 3-day suspesion from school for defending himself.
Another kid attacked him during a soccer game at recess, and Harrison fought back only after the other kid punched him twice.
The principal, instead, is making him miss recess for two days (since he was not the instigator)
Frankly, I'm proud of him, though I know everyone might not share that sentiment. My mom raised me to "turn the other cheek" and I took a lot of unnecessary abuse as a kid from schoolyard bullies. I told my son not to ever start a fight, or pick on anyone, but that he absolutely should stand up for and defend himself.
And he did.
Get your kid a hot fudge sundae on me- He did the right thing, unrewarding though it may be.
O god I'm starting to think like taig. Only one solution.....
*Goes to find the drill*
Trepanation works! That's the name of the company I want to start...
Awright folks, time for me to go home, take a quick nap and do the online work thing. Until the morrow.
**
It's me!
Muhahahahahaha!
I am being violated, but it feels oh so good, give it to me you cybertronian ~female dog~
Master save me
gp
Please don't do it, one yellowdingo is more than enough.O god I'm starting to think like taig. Only one solution.....
*Goes to find the drill*Only one way to let the bad thougts out.....
*points drill at his forehead*
Tosses CJack a keg of PBR
**
It's me!
Muhahahahahaha!
I am being violated, but it feels oh so good, give it to me you cybertronian ~female dog~
Master save me
How many USB ports do you have? I hope you have good AV software!
**
It's me!
Muhahahahahaha!
I am being violated, but it feels oh so good, give it to me you cybertronian ~female dog~
Master save me
<Boots Megatron out of the thread>
You're at the wrong party, pal!
thank you kind and gentle master
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First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
I'm off to the house, so I can get dinner and pack, then I'm going to be travelling to Knoxville tonight. See you tonight or tomorrow afternoon.
Don't press the red button while I'm gone.
I'm off to the house, so I can get dinner and pack, then I'm going to be travelling to Knoxville tonight. See you tonight or tomorrow afternoon.
Don't press the red button while I'm gone.
Which button? This button?
*presses the red button*
Oops. Sorry. I couldn't help myself. It was just so shiny. ;)
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First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
None. It's not our fault. It's the government's. And it's getting worse. It's supposed to protect you -- but it generally doesn't.
If you have any questions and/or concerns feel free to ask me.
Got a doctor's appt today ...You ok?
Routine. They're testing the limits of my (in)sanity.
Man am I thirsty. Is it natural to be so thirsty after being in the bathroom 8 times after eating food that doesn't agree with you?
Is one arm larger than the other as a result?
Routine. They're testing the limits of my (in)sanity.Got a doctor's appt today ...You ok?
I should say something snarky, but it would be too easy.
First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
All of the Is are dotted and the Ts crossed? When do you officially take possession?
I should say something snarky, but it would be too easy.Routine. They're testing the limits of my (in)sanity.Got a doctor's appt today ...You ok?
And this is stopping you because.....?
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First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
None. It's not our fault. It's the government's. And it's getting worse. It's supposed to protect you -- but it generally doesn't.
If you have any questions and/or concerns feel free to ask me.
I can believe that. I suspected that the issue we were running into had to do with the government.
My issue really comes down to the fact they have everything they need but the underwriter didn't do some of the verification of employment they were supposed to do. Thus, we got delayed at the 11th hour.
There are a couple of other obstacles, but all of the information to handle those things are in their hands and has been for three weeks.
Why are we only now hearing about this? Do you have some insight on how that works and why there is a delay like this?
I understand the workload must be huge, but I still don't understand it.
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All of the Is are dotted and the Ts crossed? When do you officially take possession?First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
They have everything they need. But there were some things that were not completed, like verifying employment or filing a request with us to have an exterminator come out and treat for carpenter ants we may or may not have.
I don't mind the need to call the exterminator, though the seller has agreed to take care of that, I just think we should have been told during the previous three weeks rather than at the final hour.
We were supposed to close and take possession today.
Now we are looking at a week or more.
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I can believe that. I suspected that the issue we were running into had to do with the government.
My issue really comes down to the fact they have everything they need but the underwriter didn't do some of the verification of employment they were supposed to do. Thus, we got delayed at the 11th hour.
There are a couple of other obstacles, but all of the information to handle those things are in their hands and has been for three weeks.
Why are we only now hearing about this? Do you have some insight on how that works and why there is a delay like this?
I understand the workload must be huge, but I still don't understand it.
Underwriters don't order verifications of employment. Processors do. The underwriter might have conditioned for it, but it would have been the responsibility of the processor.
I'm not sure about the "insight" -- a Verification of Employment is pretty standard. Basically they need to know two things with that. 1) That you are making enough money to make all your payments and 2) that you are actually employed with who you claim. (You'd be surprised at how many people lose their jobs and try to get a loan right away trying to fool the mortgage company.) But why they didn't get this information before it was submitted to underwriting is beyond me.
One thing to keep in mind -- often times, during a recession fraud is at an all time high. Many financial institutions were burned bad due to the recession -- they don't need to be burned again by fraud.
First.....Happy Birthday, CH! I hope you have a fantastic day.
Second...why does signing for a house have to be such a headache? You think lenders would be begging for a person with good credit to buy a reasonably priced home that falls well within said person's income? What benefit do they gain for throwing obstacles in the way?
As one who bought a condo last year, AB, I feel your pain, he he
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I can believe that. I suspected that the issue we were running into had to do with the government.
My issue really comes down to the fact they have everything they need but the underwriter didn't do some of the verification of employment they were supposed to do. Thus, we got delayed at the 11th hour.
There are a couple of other obstacles, but all of the information to handle those things are in their hands and has been for three weeks.
Why are we only now hearing about this? Do you have some insight on how that works and why there is a delay like this?
I understand the workload must be huge, but I still don't understand it.
Underwriters don't order verifications of employment. Processors do. The underwriter might have conditioned for it, but it would have been the responsibility of the processor.
I'm not sure about the "insight" -- a Verification of Employment is pretty standard. Basically they need to know two things with that. 1) That you are making enough money to make all your payments and 2) that you are actually employed with who you claim. (You'd be surprised at how many people lose their jobs and try to get a loan right away trying to fool the mortgage company.) But why they didn't get this information before it was submitted to underwriting is beyond me.
One thing to keep in mind -- often times, during a recession fraud is at an all time high. Many financial institutions were burned bad due to the recession -- they don't need to be burned again by fraud.
I can completely understand needing that kind of info and why they need it. Honestly, that doesn't bother me at all because that is the way business is handled. Of course they need to protect themselves. What bothers me is the short notice.
This was supposed to be a good day filled with celebration. We were to take ownership of our first home. Instead, we were blindsided by issues that sound like they should have been handled earlier and were not.
I am not really angry at anyone in particular but I am furious about the situation. We need to move out of our current apartment in a few weeks and we don't even know when we will have our home.
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I can believe that. I suspected that the issue we were running into had to do with the government.
My issue really comes down to the fact they have everything they need but the underwriter didn't do some of the verification of employment they were supposed to do. Thus, we got delayed at the 11th hour.
There are a couple of other obstacles, but all of the information to handle those things are in their hands and has been for three weeks.
Why are we only now hearing about this? Do you have some insight on how that works and why there is a delay like this?
I understand the workload must be huge, but I still don't understand it.
Underwriters don't order verifications of employment. Processors do. The underwriter might have conditioned for it, but it would have been the responsibility of the processor.
I'm not sure about the "insight" -- a Verification of Employment is pretty standard. Basically they need to know two things with that. 1) That you are making enough money to make all your payments and 2) that you are actually employed with who you claim. (You'd be surprised at how many people lose their jobs and try to get a loan right away trying to fool the mortgage company.) But why they didn't get this information before it was submitted to underwriting is beyond me.
One thing to keep in mind -- often times, during a recession fraud is at an all time high. Many financial institutions were burned bad due to the recession -- they don't need to be burned again by fraud.
I can completely understand needing that kind of info and why they need it. Honestly, that doesn't bother me much at all. What bothers me is the short notice.
This was supposed to be a good day filled with celebration. We were to take ownership of our first home. Instead, we were blindsided by issues that sound like they should have been handled earlier and were not.
I am not really angry at anyone in particular but I am furious about the situation....
Take a look at your contract. The financial institution needs to have done what is outlined in the contract by the dates outlined in the contract. If they are in violation of the contract then they should offer some compensation for unnecessary strain on your end. It doesn't sound like it's the case with you -- but what if you had to be out of your place by tomorrow? Then you'd be on the street with all your stuff because they didn't get a VOE done in a month's time?
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Take a look at your contract. The financial institution needs to have done what is outlined in the contract by the dates outlined in the contract. If they are in violation of the contract then they should offer some compensation for unnecessary strain on your end. It doesn't sound like it's the case with you -- but what if you had to be out of your place by tomorrow? Then you'd be on the street with all your stuff because they didn't get a VOE done in a month's time?
Thank you Moff, I will do that.
I really appreciate the advice, especially since I am so angry I could kick a puppy and I am not seeing things as straight as I should. You helped calm me down a bit.
Happy B'day to those out there with one in the near future or today such as CH, I think SP, and possibly another one or two. My FB FU is terrible and thus I cannot keep up with such stuff very well.
@ AB
That sucks about your home. :( I am sorry to hear that.
And finally, YEAH for the long weekend finally getting here!
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Take a look at your contract. The financial institution needs to have done what is outlined in the contract by the dates outlined in the contract. If they are in violation of the contract then they should offer some compensation for unnecessary strain on your end. It doesn't sound like it's the case with you -- but what if you had to be out of your place by tomorrow? Then you'd be on the street with all your stuff because they didn't get a VOE done in a month's time?Thank you Moff, I will do that.
I really appreciate the advice, especially since I am so angry I could kick a puppy and I am not seeing things as straight as I should. It might seem odd, but you helped calm me down a bit.
Not a problem. I've been doing this stuff for 11 years now. Things happen. We all forget to do things or what have you -- but they should have communicated better what happened. It sounds more like no one really wants to take the blame for whatever is causing the delay on your file.
But in any case, glad I could help -- at least some.
Take a look at your contract. The financial institution needs to have done what is outlined in the contract by the dates outlined in the contract. If they are in violation of the contract then they should offer some compensation for unnecessary strain on your end. It doesn't sound like it's the case with you -- but what if you had to be out of your place by tomorrow? Then you'd be on the street with all your stuff because they didn't get a VOE done in a month's time?Thank you Moff, I will do that.
I really appreciate the advice, especially since I am so angry I could kick a puppy and I am not seeing things as straight as I should. You helped calm me down a bit.
Sorry about your home buying issues. Not fun, I know.
Man am I thirsty. Is it natural to be so thirsty after being in the bathroom 8 times after eating food that doesn't agree with you?Is one arm larger than the other as a result?
Negatory.
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In other news, I finally got the latest article for the Workshop of the Clockwork Gnome, Torskal's Devoted Orders- Part Two, out the door.
That is some great news, at least. :)
