Yesterday was the real roller-coaster, however. It was the day we went to see the man about the mortgage. And were rather surprised to find out that we were doing better than I had assumed. The short version is this: When we got the house a little over two years ago, we did a 100% finance on it. Yep, you read that correctly. We even got a 3-year ARM to boot. One that was going to start going up in under a year. This was all done with the point of trying to do some repair to my wife's credit score. Get a couple years of somewhat low payments under her name in addition to paying off / paying monthly on a lot of her other bills and things should be looking up.
The good news to report is that the plan did actually work out the way it was supposed to. At the office yesterday confirmed that her score did go up by over a hundred points, in two of the three about a hundred and fifty points, putting her back in the middle of the average pack. She still has a couple of years before some of the worst falls off completely but it was a huge step in the right direction. And I hate to say it, but she did still get a bit green-eyed when my scores came up, the lowest of which was still another fifty points above her's.
I'd done the math. We could have afforded the increases in the ARM as planned (mostly thanks to the raise I got with the new job) but we would be facing a liquidity crunch of our own. If we had been turned down, we could have survived. Probably not as easy as it has been but we would have been able to keep up with payments. As it turns out the banks the broker talked to yesterday seemed to be falling over themselves to help convert it. A sign of how desperate they are to have standard mortgages or how far good credit will take you or both? I don't really know.
We're supposed to close by next Monday. It'll be a huge weight off my shoulders when we done signing the paperwork.
Work is pushing towards a release soon. Our QA person is supposed to be getting close to done, but there has been a couple of our customers agitating for an unplanned enhancement. This is part of the reason for the feelings of detachment. I'm done with all of the "must go" projects. Have been for a while, and have done all but one of the "it'd be nice if you could" projects. Also waiting to see if anything needs extra polish or gets kicked back for not covering some obscure part of the system that I'd not known to test.
I've got to say that working/development in a small company is very, very different than in a 5K+ person corporation. The number of people employed here is less than half of the number of people on the team at my old job.
Just about done with the short story I wanted to complete before Nano started. Not sure if I'm going to get the time needed to edit but it has been a decent exercise for getting the creative juices flowing. Not as consistently as I had hoped for but good all the same.
I'm still undecided on where to place my vote this year when it comes to the president. I don't care for either leading party candidate and at the same time, I have a distinct idea as to whom I don't want to be in charge. Hint: It's the same party who currently controls the office.
I am fiscally conservative when it comes to government. Spending should match taxes. Taxes should be kept as low as possible. This bailout should have come at a much higher price to the banks and wall street. You forced the government to do something it should never had to have done: Get into people's private business.
At the same time, I am socially liberal. Marriage is supposed to be about Love, not gender. What happens in your bedroom is your business as long as everything is consensual. Immigration is a good thing and our laws regarding it need to be updated to reflect the twenty-first century.
I do not feel that either candidate fits these views well.
|< AAAAH. | Bimbonic Radiation Overdose >|