The Corrupt and Crazy King

My coworker and I have to deal with a lot of bad shit coming from my boss often. I think I have it bad, then I see what my coworker has to deal with and I can see he has got it far worse sometimes. The poor guy has to do like 5 jobs and I honestly think it is all for naught. He gets the short end of the stick usually. He makes more than I do, but seriously not by much.

He has to deal with IT bullshit often in terms of users and in terms of behind the scenes hardware. He has to basically keep the infrastructure afloat which is very unfair to him because then he is expected to do development too. So my boss aside from literally telling the both of us to read his fucking mind has told my coworker that he need to do it all and do it on time or it is his ass.

Frankly I think my boss is full of shit. I think he is saying all that, but if my coworker quit this place would go under quickly. Then what? If they looked to me to pickup his slack I would tell them to go fuck themselves. If they want me to pickup his mess then give me a raise to 100K minimum. If not then I would gladly quit.

My boss is a nefarious character. I really don't like his tyrannical reign.

House Purchasing Chaos

I am very frustrated by this who fucking process because the seller's Realtor is being cavalier. We sent them a contract to just correct and their agent responded with - you first - after three fucking days of waiting! How inappropriate can you get?

So then there is my underwriter who botched one of my forms, the 4506T which is just a tax request form. She didn't put the correct city on the form then told me I had to call the IRS to get it sorted out - which is bullshit because I know my fucking address. Then after proving to her that she screwed up she apologized and corrected the form.

Absolute chaos today because this involves a lot of back and forth communication and just overall frustration.

I really hope this day gets better.

Blather

I am just reiterating for myself as usual.

I need to get this house.
Then I need shutters and additional things for the house although the shutters are p1.
I will then start hoarding my money and then start paying down my student debt like a bastard.

Once I get my student debt off my back, I may consider paying off my lease in full. I might just outright buy this car that I have and then turn around and sell it.

Finally after all that I will just hoard and hoard some more, while looking for an appropriate avenue or resting place for my money. I need to find a way to retire safely.

Not sure how I am going to pull that off yet, but I will figure it out.

The next thing I have to worry about are kids. I don't really want them, but it looks like I am going to have them anyhow...

The Housing Game

So I met with my Realtor this weekend and we discussed the conditions of this deal. Everything is looking rather peachy which is fantastic. I just find this whole process to be rather unfair and poorly put together. Especially from the lender's end. I have learned from all of this if you can buy a house cash, then that is what you should do. The lender does not have any incentive to lend you money, which is why the government gets involved and gives them security in return for lending money.

I hate this process and frankly I never want to do it again.

I would love to live mortgage free for the rest of my life. It just isn't fun to owe anyone money. My Realtor was urging me to barrow against the house when I build equity. I am 100% against this idea, because it is irresponsible and stupid. I just want some fucking stability.

Meh... I don't care anymore about this deal. If it goes through then great, if not then whatever. I don't care anymore. I am so tired of this process I just want a fucking answer.

Greed

I don't understand people regarding sales. I am a terrible businessman because I tell the truth. Businessmen always spin that by saying that they don't lie they just don't tell the whole truth. Or they only tell what they were prompted for. People who went through the housing bubble and participated in the greed fest piss me off. People like my mother who wouldn't sell because they thought they could get more, greedy people always think they can get more!

This current house sale is the same line of shit. The sellers want 195K which frankly I don't think they deserve. I think they deserve about 170K max because their home although it is in good condition, it is dated. The home appraised for 151K because the arse of an appraiser didn't do his job right on purpose.

Anyhow, let's say that we do a review, it is rejected and we get another appraisal done which comes back at the same or a little better but still far under 195K. Then I don't care who it is, no one in their right state of mind should pay more than something is actually worth. Therefore I hope these sellers can look past their greed, if they are going to be bitter about the reduction in price.

Anyone who has 44K in cash wouldn't be bidding on this house to begin with they would go get a nice condo.

Therefore I have deduced that this seller has been caught by the balls.

I am at 80% victory here.

Just need to clear underwriting and I need to clear the appraisal.

I am confident and not worried that we will be triumphant.

Vantage Point

So the housing situation isn't nearly as bleak as it seemed at the beginning of the week. The house under appraised by a fuck ton, but that isn't my fault and the other tid bit of news is the title for the house is not legally correct which too isn't my fault. So this is putting pressure on the seller to fix it whatever the fucking problem is.

Then there is the fact that since the house is under appraised if the review I am submitting isn't accepted then I have to get a second appraisal. If the house still doesn't appraise then the seller is fucked because their asking price is ludicrous. Which means they have to eat the reduction in price or sit on the house. I know that they are moving, so it is highly doubtful that they are just going to sit on it.

Taking this from a different angle, let's say someone came in and made a cash offer, why would they pay more than the appraisal value? Unless they are a stupid rich person who just wants the property because they do, this won't happen. No one would normally pay more for something than it is actually worth.

Ergo, the seller has way more to lose than me. They need this sale worse than I do so if they have to take a 44K cut, then so be it. Not my fault.

Blather

I need more time to think and to just explore things. I am overwhelmed right now with anticipation and anxiety because of this house biz. It is supremely annoying that this just can't go smoothly. It has got to be South Florida. I never hear of people having these kinds of retarded and shitty problems else where. Seems like it is the curse of Florida.

I would love to start working on hardware projects but I don't have any fucking room to do it right now which is why getting this house is detrimental. I can't think straight because I don't have the fucking room to do it in. Drives me mad.

I really hope this all pans out goddamn it.

Rollercoaster

I don't understand why things can't just be simple for once. I am so stressed out over this whole house situation and my boss is a really weird person to work with which just adds another level of unnecessary stress. I'm really tired.

It's crazy how when people are really tired and stressed the one thing they don't do is go to sleep. The one thing that might actually make you feel better you don't do. I for the life of me cannot sleep well when I am stressed out. As if staying awake will mend the problem in some way. It's all very strange.

I think people avoid sleeping when angry or stressed because they know they have to go to work the following day. The longer they stay awake the longer they can avoid going to work. When you don't like your job this is especially difficult to deal with.

I am thinking of moving states, I'm actually considering Texas of all places. Just seems like Texas has a good economy and social system. People don't seem to suck as hard as they do here in Florida, but hey as they say, "The grass is always green on the other side."

Whatever... Back to work I suppose.

Appraisal Sabotage

I got the appraisal back on the property that I have put a lot of energy into already and they fucking tell me it is worth 44K less than the fucking asking price. Normally this wouldn't be so bad, but it is fishy because the appraisal report doesn't make any fucking sense. The home I am bidding on is being compared to only REO and SS for the most part and those sales are over 3 years old! This feels like foul play to me.

So my Realtor said to ask for a review and we will force them to prove why they made the report as they did.

Fucking crock of shit.

I swear if I don't get this house I am moving to a fucking rental community and I am saving up to buy a fucking house cash.

This has been a very stupid and draining process.

This could be a lot easier!

My Boss the T-Rex

My boss called me up the other day and started to ask me why I haven't finished a specific project yet. He went on and on about how it shouldn't take three months to finish working on a project etc... Well my response to him was, "What are you talking about specifically?" So he describes the project to me, to which I responded "I didn't start that project because A. You said not to and B. You never gave us the go ahead or allotted time to work on this." He got more frustrated and we decided it would be better to speak in person so my coworker could join in on the conversation.

Then it got ugly. He went through the same rant and was throwing around blame left and right claiming we promised that we would get this done already, when we said no such thing. I let my coworker handle the talking because I was furious that he stomped in there and started biting everyone's head off like a Tyrannosaurs Rex. If I had to talk to him about this I would have gotten into a yelling match with him, and I always lose at those.

Anyhow my coworker calmed him down and put things into perspective for him.

This was the most ridiculous part though: my boss literally said that we have to start thinking like him and read his mind and know what he wants before he asks for it. I shit you not.

This is one more great example of shit management. He is the most unreasonable person I have ever had to work with/ for.

This is just a different kind of bad in contrast to my last job.

Not sure what I am going to do because I am closing on a house right now, so I am going g to lay low and get out in a year or so I think.

Underwriting Part 3

So I spent 4 hours last night accumulating all kinds of information for underwriting yet again and I just don't understand why it has to be as hard as it is.

Like I get that the banks want to cya, but holy shit they are taking this shit to the next level.

I really hope this process comes to a close soon because it is truly draining. I don't want to keep in explaining the obvious on my bank statements. It is becoming maddening.

All I can think about to make myself feel better is the near future. I want to think about rebuilding my funds and I want to think about settling. I will be settled and I can start paying off my student debt for fucks sake. I need to put shutters up in my house, but I am not sure how or when I can do that. The shutters are not cheap, but the idea would be that I get a discount on my wind insurance.

Underwriting Part 2

Just as I knew it was going to happen some concerns were kicked back to me from the processor. It is very disheartening when this happens, but it must be expected if you actually have a life. I happen to make a lot of transfers back and forth, however big transactions are scrutinized even if it is pretty obvious where the money came from and where it went to.

So I will be taking care of yet more paper work tonight. Oh joy!

I will be so happy when this is all over.

Underwriting

Omg underwriting... The underwriting process is a painful one. The people in charge of it are usually very nice, if they weren't it would make doing the underwriting process that much worse.

Anyhoo... The next steps are to sit and wait. I would say pray, but in my case that effort would be wasted. All of my information is submitted and correct as far as I am concerned.

I am keeping positive about this process because I have done all I can do about it right now, my fate is in Wells Fargo's hands at the moment. I don't want to be presumptuous, but besides corporate and government beauracracy there really isn't anything stopping this deal from closing. The only thing I can think of is the bank just randomly throwing their hands up in the air and denying me for approval for no good reason other than they don't feel like it. However that doesn't make sense because I have gotten this far already in the process. Now it is really just the waiting game.

Thinking of after the closing and the move... Ah what a thought and a good feeling. I can finally settle and not have to worry about moving again. What a glorious feeling. I can't wait for it to be real.

Then it is on to renovations and paying down student debt.

worry

I already have my insurance lined up for my mortgage broker. And I am waiting on an elevation certificate from the seller. Eventually I will get this information and I will have the food insurance information for the broker too.

Right now my stomach is twisted in knots because I am waiting on the mortgage broker's underwriter to contact me so we can get this show on the road. I have to finish filling out paper work and the underwriter has to scrutinize my financial info and ask me for hard to provide information.

I just want this person to contact me already so we can get started.

Thinking of the not to distant future: I want to make the following modifications to the home:
1. Hurricane shutters or windows.
2. These little windows above certain bedroom doors.
3. Side loading washer
4. Fully implement my office space with storage and workspace.
5. More stuff...

Anxiety.

more blather and worries

I am both elated and mortified about this home buying process. I think everything is fine but everyone else is taking a different attitude towards it than I am. The seller and my Realtor are both worried about me getting financing, which only worries me more. I don't understand why they're both worried about this. My Realtor keeps saying it is because we are 95% financed. I don't understand why that is a bad thing! Usually when someone is buying a very expensive thing they typically require financing, to state the fucking obvious it is because 99% of people don't typically have 30 to 60 thousand dollars they are willing to just give up.

Banks need to fucking letup on people who have outstanding credit like myself and some financial backing and a halfway decent job. I make about 75K a year now not including bonuses. So I seriously don't understand why everyone is so worried.

It really pisses me off and I am very anxious because of it. Which is making me depressed. Which brings me to my next problem I am not motivated to do jack shit right now. I haven't had the urge to get any work done at home for personal projects and frankly it is getting old. I am thinking maybe I need antidepressants, but I am afraid to take them and I don't want to get my stupid insurance involved.

Topic for another time I suppose.

Nexus 4

I finally got the nexus 4 which is a vast improvement over my old LG C800 which I only got because of the key board. Admittedly I am having a bitch of a time getting used to using the onscreen key board, but the screen is much larger on this phone and the screen is a lot nicer too. Very responsive to the touch and the predictive text is quite useful.

I will miss my keyboard but this is a fair trade off for speed and an updated android version. The only complaints I have are: no key board and wildly expensive but not necessarily over priced.

I got the 16GB model which puts the base price at $350, sadly you pay taxes and shipping for the phone which rounds this up to $390 dollars. The type of shipping is not negotiable, you pay for 20 dollar 2 day shipping. I needed a micro SIM card which T-Mobile charged me $21 and some change for after taxes. I needed a new belt case for the phone which cost me $20 more. So ultimately I paid $430 for this phone. Which was worth it, but holy shit I didn't expect all of these little costs.

So yeah... $350 my ass.

However this phone is faaaaaaaaast! Blazing and I didn't put a ROM on it or anything. All stock stuff. Not too crazy about the desktop, but meh...

Home Buying Insanity

Finally found a home that I can actually afford. Then after submitting the contract to my broker I find out that single family homes that are attached require a 20% minimum downpayment. I start to freak out because apparently this just happened. This is a new policy. So what happens now? I'm freaking out and my awesome broker says, hold on, let me check into something for you. He gets me on a FHA loan which I was trying to avoid, but hell it worked out for the better.

I am now getting a lender credit that will cover like 95% of my closing costs and I just have to take care of my insurance and a few other things.

This market is total shit. Home buying in Florida is a fucking nightmare. Trying to buy anything is a goddamn hassle unless you have at least 60K cash to drop. Fuck this shit! I hate it. But I need a house.