Almost out of the Woods

We are almost out of the woods after entering them today. We have finally entered a contract on a desirable home for a whopping 195K. Not my ideal number, but fuck it this market is awful and I need to gtfo of the living situation we are in now.

That is going to be a 185K loan and the associtation fees are 175/month which is like 1400/mo or a little more not so bad.

Next steps are to get a full inspection, then get homeowners insurance on the property and deal with the underwriter, possibly simultaneously.

Then there is the 5K escrow payment I have to make and then later pay 5K more to close the deal. This doesn't include the possible 5K in closing costs... looking at 15K, this doesn't include moving and a very very very small amount of renovations. Paint and organizational units. IE: getting the closet furnished so we can be organized properly.

Oh boy... this going to be something.

Finally, when this is all said and done, I will be more than happy to start paying off my student debt. Just pay off gobs and gobs of my 29K debt.

Transfers

I finally have been accummulating wealth as opposed to losing it. I had the pleasure of making a few large transfers from my main accounts to my high yield account. Like packing gun powder down the muzzle of a vintage rifle. So I have been back packing my money finally, it feels good.

This year is going to be a good year, I can feel it. I don't know why, but I just have a hunch that things are going to be looking up for me and my wife.

Anyhow, back to the main monetary agenda at hand:
1. Buy home
2. Fix immediate problems of newly aquired home
3. Start paying off student debt
Far into the future:
4. Reaccumulate funds
5. Work on retirement funds and plan
6. Sell home? Only if market conditions are right. No greed here. Or pay down home, buy new home and rent old one.

Project goals:
Keep working on projects as I feel necessary, no more forced work.

House Hunting

As of right now in South Florida, if you are house hunting and you don't have a 30% down payment handy, then you cannot buy a condo. That leaves you with town house, fee simple and single family homes. Basically you are fucked because a majority of those are in very poor shape and/or in foreclosure or short sale.

I am having a very hard time finding a home because the market for people who do not have the money for a condo are fucked. So fuck me, this is ridiculous.

I need to buy a home so I can expand my life style right now for the peace of mind that I don't have to move again unwillingly. I hate my stupid landlord and I hate the rich douche bag assholes I live around. My neighbors all fucking suck. Fuck this shit. I am impatient and eager to move so I can finally get on with my life. I hate being held hostage in terms of finances, right now I am holding on to my money so that it is readily available for home purchase. Which sucks because it is preventing me from doing other spending. And I don't mean frivolous spending, I mean paying off my student debt. It is responsible spending I want to do.

I need as many monkies off my back as possible.

The Facebook Joke

The joke is on the users. Facebook is unfortunately as popular as it is because people are ignorant as to what FB is doing with their information. I just saw a video on Forbes.com that is clearly describing what FB is doing with your information without your consent. FB is showing posts that you never made to your friends. To make matters worse you are endorsing products or other things that you never once endorsed before. The joke is on you, because you won't see these posts on your page, it only shows up for your friends to see.

Congrats you FB fools, you are now living inside of spam site because you willingly contributed your personal information to a spam site.

Nothing is free.

I hate so called "social networking", it is a sham. If you were really friends with that many people, then you wouldn't be sitting in front of a screen talking to them, you would meet in person. The people that are most important to you should probably call you and have a conversation with you rather than "Liking" some stupid internet video.

Social networking is anything but social. It should be called antiscial networking.

Road Rage

I think the reason people get so mad on the road normally is because subconsciously we realize how dangerous the act is itself and it makes us very mad if someone does something retarded in around us on the road.

This of course has exclusions, some people have road rage cause they are dicks. Really they are just assholes who think they are more important than everyone else, the irony being that they are just breeding more road rage for everyone else. Those are the same people that we are afraid of.

I hate driving in miami because there are so many morons on the road and I hate being angry while and after driving it isn't healthy. The road rage is a way to deal with it. It is a byproduct of driving around so many poor drivers. The scariest part about the whole mess is how dangerous driving really is. All it takes is one idiot to be out of line and it can cause one hell of a disaster, especially on the highway.

Money to the Rescue

I got my bonus today. I knew I was going to get it, just wasn't sure when. This is fucking awesome news for me anyhow because it is going to help me with closing costs on which ever house I can land.

There is only one thing that is bothering me about my bonus, I am accepting money from the guy who I complain about often. I don't knw if that makes me a hypocrite or not. I don't think so, but it may very well make me one. The thing is I earned that money and I desperately need it anyhow.

Just makes me feel bad that I bad mouth him, with reason and then he turns around and gives me a bonus. Makes me feel two faced. I am going to swallow my pride and start to shut up when he is being a dick to me. I am going to still bitch about it here because I need an outlet, but I will minimize the chatter at work and try to work harder.

I am still trying to find a patter/approach for when things go into a lul. Which does happen but it scares me.

Milking the Money Cow

I've made the decision that I don't like my job and when the right time and opportunity presents its self I will be exiting again. I hate changing jobs this often, but for pete's sake this current job is anything but fulfilling and the drive sucks. I am going to continue to show up for a pay check and I will still do a good job, but I am painfully bored out of my mind here especially not having any say so in how anything is being done.

I will continue to siphon money away from here until I can break free in one form or another.

My biggest goal right now is moving into my own home and then paying off my student debt. I am just under the cusp of $30K (like $29.7K) which puts me at 5.8 payments of $5K left. I just can't wait to pay off all of that debt it makes me giddy to think about it. The chains will be gone and I won't have to worry about owing 300 dollars per month anymore which is my current loan payments per month. There is a lot of money I am losing right now because of this. I need to have enough in reserves before I can even think of killing off this stupid debt. As soon as I can I want to send 5K to my federal loans since the interest rate is higher and it will remove 1 of my two federal loans. That will only help me pay down my loans faster because then I will be paying down 2 instead of 3. I have 2 federal loans and 1 private loan. I will pay down my federal loans then I will take the payments I was putting into my federal loans and save it all up and refocus it into my private loans as quickly as possible.

Saving those 300 dollars a month will feel nice, that is 3,600 dollars a year I will have back for retirement. I love thinking about the future in this respect, it gives me something to work towards.

After those loans are payed off then it is time to focus on paying down the mortgage I want. If we can kill off that mortgage then we will live rent free which is fucking amazing. That is a dream of mine. Only have to pay insurance and taxes at that point - I am happy to do that. The money that will be saved is about 14,400 - 19,200 per year which is just impressive. This depends on how high the mortgage payment is each month. I won't be a slave to paying off my mortgage for 30 years, fuck that bullshit.

Dreaming big I guess... I need a space to call my own and so I can settle without having to worry about moving again. I just want a permanent residence, why is that so difficult to obtain in South Florida?

Bah... back to work I guess.

Primary Residence Aquisition Cock Blocking

I fully understand what happened during the housing bubble and for christ's sake I know that some people looking to own a home really shouldn't have because they were never really eligible to begin with. Then there were the money grubbing loan officers who fucked everyone along with people who were taking loans they knew they couldn't handle because they would just throw their arms up in the air and say "EHHHHH, I'll figure smething out." They would duck their heads in the sand and when the banks asked for their money, the people would play dumb or use the biggest line of bullshit I have ever heard, "I am not paying for this mortgage because this house isn't worth what I bought it for." Yeah well the bank already paid someone that money and you signed a fucking contract stating that you would pay it back. So eat it bitch. You shouldn't have bought something you knew you couldn't pay back. Then the next retort is, "Contracts were meant to be broken...", that saying may be true, but dishonest people are the reason we are in this fucking mess.

Before I move on I would like to say that not everyone is at fault. Some people were targeted and we victems of predatory lending. Or you could be like my mother who inherited the full responsibility of a mortgage after my dad died. That wasn't her fault and she legitamately needed government assistance and finally got a refinancing.

That being said, I am talking about the sniveling pieces of shit who actively refused to pay their goddamn loans even if they could simply because their primary residence could no longer be flipped because their home value dropped. You people should be ashamed of yourselves. It is a combination of the dishonest loan officers, banks and lendees that I cannot easily purchase a home right now. I desperately want a primary residence to live in, not to fucking flip. I want to live somewhere without paying someone rent, the fear of being kicked out or having a shitty landlord. I want to be able to modify the inside of my home to my liking.

I am being cock blocked by the banks to aquire a condo in florida because they want 30% down! That is horse shit! And it is all thanks to the housing bubble and the assholes who made it go pop.

Thanks assholes.

Pipe Dreams

Well... like every time I feel the slight bit depressed I look at my money to make me feel better and I think about the future and how much money I will have in the future if i can keep increasing my savings. I am worried about investments, because as much as I wanted to resist believing it, your savings - money you save  in a savings account - does not adjust with recession/inflation. Therefore the money you save now, will not be as powerful later because our dollar's value jumps all over the place. Fun fun fun. The other thing I have learned is that I suck at investing my money. I have tried purchasing equities and other securities and I have lost about 50-70% of my initial investment on all of the stocks I have chosen. I purchased a CD and I made $0 on it. I purchased a Bond from the government and I made $0 dollars on it. I tried... I really tried to understand how this shit works and I came to the realization that if you want to make money in the stock market or in investments you either have to pay attention to your fucking money full time or you need to hire someone to do it for you. It is a dangerous game.

This whole scare with my wife possibly getting laid off has scared me again, it brought me back to the time I was laid off. Getting laid off is one of the most horrible feelings ever especially if you don't see it coming. Well she was lucky and she was spared. We dodged that bullet - but I keep wondering, "What if she did get laid off? Then what?" I would carry the both of us, but I don't know how long I could do that for... I think I make enough to cover both of our expenses, but I am not so sure about that so I have decided in order to thwart this fear we need to sit down and plan this out just in case.

Well anyhow - going back to my pipe dream - I would like one day to not have to worry about money. Retirement really is my main focus and goal. I am just not sure though with the idea of having a family, one or two children. I don't know if I want to do that.

I got bigger problems right now, I was just called and told the house I am trying to get an offer on requires a 30% down payment... bad times man. The fucking place looks like a town home. Turns out it is a condominium association instead even though it isn't a high rise. Fuck me. Finding a home right now is very difficult and expensive. Finding a place where you can just put down 5% is retardedly difficult. This is the kind of stress I don't want right now, why can't buying a home be like buying a fucking car. You go in, you negotiate all day and then you come out with a car or you don't. Getting a home is too complicated right now. I mean I don't want to trivialize the housing bubble, but that was more of a lender issue than the buying issue. The buying issue was just as long back then as it is now, except lenders were being shit bags and giving people who couldn't afford certain loans their loans just so they could make more money. Fucking scum bags. Screws honest people like myself and people who are honestly paying down their goddamn mortgage.

... whatever I guess I will just press forward. I need a fucking place to live goddamn it.

Bastard Employees

So my wife's company is currently undergoing a downsizing which just means people are being laid off left and right so that the company can reduce their costs. Fun fun fun! I have been through that before and it is not easy, it is an emotional roller coaster for everyone, however I do want to highlight and comment on the fact that her company wouldn't be going through this right now if they removed their cancerous employees. There are employees who have this arrogant air of self-entitlement just because they have been at the company for some magic number of years that is higher than 3. Chances are these same employees were never actually good to start with, the only thing they were good at was blaming others for their mistakes and like the saying goes, "The squeaky wheel gets the oil". I have seen it time and time again. The most annoying employees are female because for some stupid reason they get a pass on sounding annoying and being inappropriate because the stupid male manager looks at them and sees a damsel in distress. Meanwhile if a male employee tried to pull the same thing then nothing would be done or they would be fired. This is an issue for women to pony up on, stop being whiny twats and grow a metaphorical pair where your vagina is. It isn't fair that you can be emotional so that you can get your way in the work place just because you drain others of their sanity and the only way to get you to shut up is to give in to your stupid complaints, demands and blame of others for your short comings.

The point I am trying to make here is that my wife's company is stupid for letting this happen. They have been screwing up the delivery of their projects for some time now and it always comes back to poor oversight and poor management. If they had good oversight and management then those weak employees would be told to shape up or ship the fuck out. The ultimate reason they are in the shape that they are in is because of the weak, careless employees who just show up for a check. There is nothing wrong with showing up for a check if you do your job and you do it well. There is 100% something wrong with you just showing up to work and not doing your job, then blaming others for your lack of ethics and morals. Then those same worthless bitches that I described get pregnant and "Oh you can't fire a pregnant lady", even though she is/was doing a shitty job since before she got pregnant and she is actively slacking off at work looking for newborn related stuff all day and talking on the phone to her baby's daddy all day. I am not making this up. I know this is an extreme case, but for fuck's sake was this really a hard target? Was this really a person that was difficult to target for firing for all of the reasons I described. This person's work quality was mediocre at best as well. I won't get into the exact nature of the type of work to prevent giving away too much info.

I hate these kinds of scenarios, I have seen them in 3 different work places consistently, it is wrong. It is all wrong. Everyone is suffering because of just a select few morons. Then on top of that these same assholes don't get laid off, other hard working individuals do instead because they weren't as whiny and didn't have the audacity to blame others for their mistakes! They weren't blameless which is NORMAL! There is no such thing as being blameless in a work place, everyone makes mistakes. I would be strongly eyeballing the person who always claims that nothing is their fault and shifts the blame onto others - that person would be under my scrutiny and I would probably fire them if they continued to serve me excuses instead of results.

Fucking bastard employees.

Wedding Ring

I don't like wearing my wedding ring, it is annoying. This isn't me wanting to stay single or something I have been with my wife for 9 years, I am including the count of before we were married in that number. We might as well have been married already, just did the formalities recently is all.

Anyhow I digress, I don't like wearing my wedding ring to work I suppose because I keep taking it off to wash my hands after eating or going to the bathroom. I am afraid to lose it. My wedding band isn't that expensive either, it is very simple and plain and easily replaceable. So losing it would suck, but it isn't the end of the world. I have even offered getting a tattoo in place of thee wedding ring, I just don't like wearing jewelery. I guess I will wear it for special occassions and stuff, but not my style otherwise.

Turbulence Ahead

So my wife's company decided to cut everyone's pay by 20% because they lost some major contracts due to employee negligence and poor management. I love how a few bad apples spoiled this bunch, this is something that could be seen a mile away, but people would rather stick their heads in their asses instead of firing people who deserve to be fired. So now everyone is suffering a 20% pay cut. It sucks ass. The thing is this is a precursor to the layoffs to follow soon I am sure. So she is worried that she is going to be laid off.

I am slightly worried about the same thing really. I don't want to be laid off, but I can see it happening because of this fucking debt crisis. If the economy tanks, I will in all likely hood be laid off, which is understandable. I just don't know where I would want to go next. So yeah, bumpy and unhappy times ahead.

Goals Reiterated

I am just talking outloud here as usual.

I want to get this house
I want to pay down my student debt
I want to shift my current assets
I want to setup a retirement plan for my wife and me
I want to accumulate wealth as quickly as possible aside from the retirement plan

Something that is truely unfair is that saving money isn't as valuable as it seems. You save a large sum of money now and that money loses part of its value due to inflation/recession. This basically means that people need to invest their money but the problem with that is you could lose all of it because the assholes in government or the assholes in investment banking feel like fucking you over. I hate this shit. I want to find a safe investment. I know the riskier investments yield higher returns, but you could also lose it all.

Goals

Got the wedding out of the way.

Working on buying a home again. I need to get the hell out of the place I am living right now because my land lord is 100% unreliable and unreasonable. Fuck that twat.

Things appear to be going well with my prospective property, I am excited. I just need to get all of the fun stuff out of the way.

After the property is obtained then it is on to wealth building for retirement, paying off student debt and that's about it for huge expensive goals. Those goals are not in that order.

Smaller items are going to a dentist and finishing off this heart chaos. Then I will see about nose surgery to get my breathing corrected.

Post Labels

I decided to stop using post labels for an of my posts. I realized I don't care if people find anything on my blog, including me. This blog isn't for anyone, I didn't create it to get into arguments with internet trolls, I created it to just say exactly what is on my mind no matter how it sounds or even if it doesn't make any literary sense. I just don't care what anyone thinks because I am just trying to work out my thoughts and feelings out loud. I put this in a public blog because if anyone wants to comment or converse with me, then I am open to it. If people just want to make fun of me, I will just simply ignore them. It is as simple as that. I like talking, hence the long ass blog posts.

The other problem is I realized when I am writing posts here they are super hard to describe with labels. So I am just giving up on it unless I feel that a post warrants a label.

K that's it.

Re Focused

I am slightly more focused, I had a talk with my wife to try to work things out with me and she was as wonderful, beautiful and supportive as always.

I am going to somehow get back on track with all of my ideas. I was overwhelmed again and going through a bout of depression does not help at all. It actually just kind of ruins everything. I am going to have to write about it to get a full picture of what is going on with me and I guess to have something to show a doctor when I do eventually go.

I am feeling better today, but I am not sure if I am feeling better because I am or if it is the after affect of the psuedophedrine I had to take the other day. It usually is the sudafed.

Well whatever, time to go back to pretending to want to be at work.