There are jobs out there that I think people have that are tough to do because it forces them to be the bad guy in a sense. One of those jobs is software or systems testing. What I want to talk about though is mortgage "underwriters". These people are basically fact checkers, they make it so that any piece of documentation you give them must be scrutinized and verified.
I have to say, it is a little frustrating at times, but they are doing their jobs. I just didn't enjoy some of the more annoying parts like being asked, "where did this number come from in your bank statement?" I would think to myself, "Its money, small amount, why do you care? Want me to pay you or not?" I mean its not like it is drug money where 20K was deposited mysteriously into my account over nigh in cash.
At any rate... they are doing their job. They are protecting the bank and themselves.
Tuesday, September 13, 2011
Sunday, September 11, 2011
Legal Drug Pushers
Have you ever gone to your doctor to get a serious concern of yours put to rest? I have. I have gone to several doctors and just like going to any other professional for their opinion, I have had good doctors and bad doctors. The good doctors seem to care, show genuine interest and have a great knowledge base. The bad doctors don't care, have no interest, are concerning with just getting you out of their office so they can get paid, have a shitty knowledge base due to a lack of care and inexperience and are pill pushers. I have gone to the doctors for some serious concerns and they always seem to want to just fix everything with a pill instead of checking me out and looking at my problems or at my blood test.
The only thing these "doctors" seem to do now a days is look at your weight and tell you, "you are obese and need to lose weight" then to add insult to injury they tell you that because your chemistry numbers don't fall into a predetermined varying range of numbers that you must take a pill in order to get back to that fucking pointless and sometimes made up range of numbers. My resentment for doctors has only increased over the years because there is a group of words I don't want to hear from someone that I depend on for life and death situations and that group of words is "I don't know...". It makes me see red when I hear a trained professional who is getting paid at least six figures that they don't know what is wrong with you or why you feel ill. I know they aren't mind readers but goddamn it they don't seem to try either. The only solution they have to almost everything is, "I am giving you a prescription for something you cannot pronounce and is far from even being natural. It is going to make you depressed and not want to have sex, but you have to take it because your chemistry numbers indicate that you are out of range and that isn't good."
When are people and doctors especially going to realize that you cannot pidgin whole everyone into one category of numbers? We are different breeds of people depending on what area we come from. We are animals. Dogs and cats have breeds, we treat them differently depending on where they are, but when it comes to humans there is this fake idea that we are all physically equal which is horribly wrong. This is not about being racist at all, this is about realizing and accepting that we ARE indeed different physically. There are a lot of genetic studies that are done that prove this otherwise there wouldn't be statistics like, "Black males are more prone to heart disease." Why do you think that is? Because the black breed of people are built differently than everyone else. The same concept applies to people from the middle east, they are also prone to having heart disease and high cholesterol. However for some breeds of people this has got to be normal. I want to believe that is because they live in hotter climates and their blood is constantly heated which is why it probably won't affect them too badly because it keeps their blood thin. Moving over to the polar opposite, look at how well Russians live in cold weather, that isn't a mere coincidence that is like that for a reason. They were bred and adjusted to cold climates. I am guessing that they are stark white to match their surroundings. Eskimos have naturally high cholesterol because they live in freezing weather all of the time and they are fine, they aren't on cholesterol medication. However if an Eskimo went to an American doctor, that doctor would damn that Eskimo to hell because his cholesterol and weight are elevated.
I am going to equate the modern day General Practitioner to a drug pusher. I am not the first to make this comparison and I won't be the last. I also think that the modern day General Practitioner's job can be replaced by a robot or a trained monkey which ever is cheaper. I already aired my complaint about them above, but again they look at your numbers and stupidly say that you belong in a poorly constructed range of numbers; then they prescribe you drugs to get your numbers back into that pointless bullshit range.
I have been doing everything in my power to work out and eat right. I impress people with my dedication, but I have a thyroid problem which means my metabolism doesn't work well enough. I am hot all of the time and I sweat a lot. I have been taking Levothyroxine (most commonly known as the brand name Synthroid) to correct this because I decided it was a good idea. I refuse to take these pill pusher's cruddy and unsupported advice at face value. I did my research and I ran my own tests. I have lost about 40 pounds and I have lowered my chemistry numbers down to what I think is acceptable with diet and exercise. My cholesterol is elevated, but guess what, my cholesterol has ALWAYS been elevated even since I was a child. So the doctor's predetermined bullshit range of numbers doesn't fit me because I am not bred that way. I am also considered obese. I am tall, have big feet and currently weight 213 pounds. I constantly have people telling me I look fine for my size, skinny even. When I tell the my doctor says I am obese their mouths hang open. So all of these things, little things, amount to one giant case against "traditional" bullshit drug pushing medicine.
Finding a doctor is difficult which is why I have pretty much become my own general practitioner. I advise my self to go to the correct specialist after research.
The hospital is a whole other area of disgust to me, starting with the nurses and ending with the bastard doctors who should be ashamed to call themselves doctors. They apparently know NOTHING because all I ever hear out of them is "I don't know...". I have watched people die because they "don't know". I don't trust doctors. Fucking drug pushers. Mother fuckers charge you 80 bucks for a single goddamn Tylenole. All of these doctors are guilty of over charging insurance companies because they are price gougers, thanks to them they increase our premiums and make things are stupid as they are. Trust my, I am not defending insurance companies they are just as worthless as the doctors who scam them. Ever get a scope shoved up your nose? Apparently that is considered surgery and you pay the surgery price because of it. Stupid shit like that pisses me the fuck off.
One of the industries I hate the MOST, possibly more than the drug pushers is their lovely suppliers which are correctly named drug companies or the euphemism "Pharmaceutical Companies". These bastards are the drug makers, they make all of the trash that these so called doctors push out to their users. Now don't get me wrong some of these drugs are useful, I use Claritin on a regular because I have a dust-mite allergy and it can be debilitating at times, but these bastards make drugs for things that don't even make sense sometimes. A lot of these drugs are probably responsible for many cancers that people get. These bastards just like the insurance companies don't give a flying fuck about anyone. They just want money.
I don't care if they have large student loans to pay off, no one forced them to be doctors. Just like I don't give a shit if an aspiring actress or actor has two jobs to fund their dreams, go fuck yourself you don't HAVE to live like that you CHOOSE to live like that. I wanted to be an artist, but artists don't make much money so instead I became an engineer to make ends meet.
Lastly, just to state what should seemingly be fucking obvious: OBVIOUSLY not all doctors, nurses, drug reps, insurance reps etc. etc. fit the bill I described above. I do have some doctors and etc. that have treated me right. However it is not okay that there are people in this important profession that act as drug pushers.
The only thing these "doctors" seem to do now a days is look at your weight and tell you, "you are obese and need to lose weight" then to add insult to injury they tell you that because your chemistry numbers don't fall into a predetermined varying range of numbers that you must take a pill in order to get back to that fucking pointless and sometimes made up range of numbers. My resentment for doctors has only increased over the years because there is a group of words I don't want to hear from someone that I depend on for life and death situations and that group of words is "I don't know...". It makes me see red when I hear a trained professional who is getting paid at least six figures that they don't know what is wrong with you or why you feel ill. I know they aren't mind readers but goddamn it they don't seem to try either. The only solution they have to almost everything is, "I am giving you a prescription for something you cannot pronounce and is far from even being natural. It is going to make you depressed and not want to have sex, but you have to take it because your chemistry numbers indicate that you are out of range and that isn't good."
When are people and doctors especially going to realize that you cannot pidgin whole everyone into one category of numbers? We are different breeds of people depending on what area we come from. We are animals. Dogs and cats have breeds, we treat them differently depending on where they are, but when it comes to humans there is this fake idea that we are all physically equal which is horribly wrong. This is not about being racist at all, this is about realizing and accepting that we ARE indeed different physically. There are a lot of genetic studies that are done that prove this otherwise there wouldn't be statistics like, "Black males are more prone to heart disease." Why do you think that is? Because the black breed of people are built differently than everyone else. The same concept applies to people from the middle east, they are also prone to having heart disease and high cholesterol. However for some breeds of people this has got to be normal. I want to believe that is because they live in hotter climates and their blood is constantly heated which is why it probably won't affect them too badly because it keeps their blood thin. Moving over to the polar opposite, look at how well Russians live in cold weather, that isn't a mere coincidence that is like that for a reason. They were bred and adjusted to cold climates. I am guessing that they are stark white to match their surroundings. Eskimos have naturally high cholesterol because they live in freezing weather all of the time and they are fine, they aren't on cholesterol medication. However if an Eskimo went to an American doctor, that doctor would damn that Eskimo to hell because his cholesterol and weight are elevated.
I am going to equate the modern day General Practitioner to a drug pusher. I am not the first to make this comparison and I won't be the last. I also think that the modern day General Practitioner's job can be replaced by a robot or a trained monkey which ever is cheaper. I already aired my complaint about them above, but again they look at your numbers and stupidly say that you belong in a poorly constructed range of numbers; then they prescribe you drugs to get your numbers back into that pointless bullshit range.
I have been doing everything in my power to work out and eat right. I impress people with my dedication, but I have a thyroid problem which means my metabolism doesn't work well enough. I am hot all of the time and I sweat a lot. I have been taking Levothyroxine (most commonly known as the brand name Synthroid) to correct this because I decided it was a good idea. I refuse to take these pill pusher's cruddy and unsupported advice at face value. I did my research and I ran my own tests. I have lost about 40 pounds and I have lowered my chemistry numbers down to what I think is acceptable with diet and exercise. My cholesterol is elevated, but guess what, my cholesterol has ALWAYS been elevated even since I was a child. So the doctor's predetermined bullshit range of numbers doesn't fit me because I am not bred that way. I am also considered obese. I am tall, have big feet and currently weight 213 pounds. I constantly have people telling me I look fine for my size, skinny even. When I tell the my doctor says I am obese their mouths hang open. So all of these things, little things, amount to one giant case against "traditional" bullshit drug pushing medicine.
Finding a doctor is difficult which is why I have pretty much become my own general practitioner. I advise my self to go to the correct specialist after research.
The hospital is a whole other area of disgust to me, starting with the nurses and ending with the bastard doctors who should be ashamed to call themselves doctors. They apparently know NOTHING because all I ever hear out of them is "I don't know...". I have watched people die because they "don't know". I don't trust doctors. Fucking drug pushers. Mother fuckers charge you 80 bucks for a single goddamn Tylenole. All of these doctors are guilty of over charging insurance companies because they are price gougers, thanks to them they increase our premiums and make things are stupid as they are. Trust my, I am not defending insurance companies they are just as worthless as the doctors who scam them. Ever get a scope shoved up your nose? Apparently that is considered surgery and you pay the surgery price because of it. Stupid shit like that pisses me the fuck off.
One of the industries I hate the MOST, possibly more than the drug pushers is their lovely suppliers which are correctly named drug companies or the euphemism "Pharmaceutical Companies". These bastards are the drug makers, they make all of the trash that these so called doctors push out to their users. Now don't get me wrong some of these drugs are useful, I use Claritin on a regular because I have a dust-mite allergy and it can be debilitating at times, but these bastards make drugs for things that don't even make sense sometimes. A lot of these drugs are probably responsible for many cancers that people get. These bastards just like the insurance companies don't give a flying fuck about anyone. They just want money.
I don't care if they have large student loans to pay off, no one forced them to be doctors. Just like I don't give a shit if an aspiring actress or actor has two jobs to fund their dreams, go fuck yourself you don't HAVE to live like that you CHOOSE to live like that. I wanted to be an artist, but artists don't make much money so instead I became an engineer to make ends meet.
Lastly, just to state what should seemingly be fucking obvious: OBVIOUSLY not all doctors, nurses, drug reps, insurance reps etc. etc. fit the bill I described above. I do have some doctors and etc. that have treated me right. However it is not okay that there are people in this important profession that act as drug pushers.
Thursday, September 8, 2011
Houses
Things are jiving along with the house. I just paid 5K to escrow, not thrilled about it, but it is necessary. I am drawn to buying a house while other people are so weird about the process, just like with credit cards. It really isn't all that complicated, the process is simple, just do what they tell you and you will be fine.
My philosophy is simple:
Credit Cards
Pay down your bill immediately or in advance. You are borrowing money from yourself. If you don't think you are going to be able to pay it off then you shouldn't have used it to begin with. The moment you let yourself go and charge charge charge is when you should cut up your credit card or use a prepaid version like the one Russel Simmons promotes.
Buying a House
It is not a resale investment. Just because you poured 50,000 dollars into your house, you upgraded it etc... doesn't mean anyone is going to buy it. You buy a house to live in it and sell it if you need to move. If you don't make money in the process then too fucking bad, that wasn't the point. Only rent a house you have paid off before attempting to buy a new one.
Bottom line, if you don't want to own a house, then go rent. However when you grow older and it becomes more difficult to find a job, I will laugh at you because my house will be paid off and I will live rent free. I will only have to pay insurance and property taxes which over the span of a year is about 75-80% less than renting. I will be able to retire easily.
I am just annoyed with all of the people who bought a house and regret it now. Idiots all bought in expensive. 1600/month rent. Mine is going to be 1400/month, which isn't bad. It is less than what I pay in rent now. I am going to pay it down fast too because I like doing that kind of stuff, its a thrill for me. I can't wait to do anything I goddamn want to do to my house. People can kiss my ass.
The only fear that I have with owning a house is not being able to make my mortgage. I will do everything in my power to be on time and current, but if for whatever reason I get hit hard financially, and I cannot bounce back, I am willing to accept foreclosure. Fuck it.
My philosophy is simple:
Credit Cards
Pay down your bill immediately or in advance. You are borrowing money from yourself. If you don't think you are going to be able to pay it off then you shouldn't have used it to begin with. The moment you let yourself go and charge charge charge is when you should cut up your credit card or use a prepaid version like the one Russel Simmons promotes.
Buying a House
It is not a resale investment. Just because you poured 50,000 dollars into your house, you upgraded it etc... doesn't mean anyone is going to buy it. You buy a house to live in it and sell it if you need to move. If you don't make money in the process then too fucking bad, that wasn't the point. Only rent a house you have paid off before attempting to buy a new one.
Bottom line, if you don't want to own a house, then go rent. However when you grow older and it becomes more difficult to find a job, I will laugh at you because my house will be paid off and I will live rent free. I will only have to pay insurance and property taxes which over the span of a year is about 75-80% less than renting. I will be able to retire easily.
I am just annoyed with all of the people who bought a house and regret it now. Idiots all bought in expensive. 1600/month rent. Mine is going to be 1400/month, which isn't bad. It is less than what I pay in rent now. I am going to pay it down fast too because I like doing that kind of stuff, its a thrill for me. I can't wait to do anything I goddamn want to do to my house. People can kiss my ass.
The only fear that I have with owning a house is not being able to make my mortgage. I will do everything in my power to be on time and current, but if for whatever reason I get hit hard financially, and I cannot bounce back, I am willing to accept foreclosure. Fuck it.
Tuesday, September 6, 2011
Got Wood?
I was building a wooden box out of pressure treated wood. This box is going to live outside so it needed to be pressure treated. I made a frame out of 2"x2" and used 1/2" plywood as the facing. I bolted everything together as best I could with lag bolts and I used wood glue to bond the plywood to the frame which of course was accompanied by nails and screws.
I used Spax brand screws which kick ass by the way, just wanted to put that out there. They are flared screws that you don't have to pre-drill for (depending on the application).
I used interior wood glue, BAD idea! Its no joke, use the designated glue for exterior. The interior glue will not dry outside in humid weather.
Something that annoys the piss out of me though is that the inscribed wood measurements are a blatant lie! Why the hell is it that when I purchase 2"x2", it is actually 1-1/4"x1-1/4"? Same with other cuts of wood. Like a 1'x2' is really 10"x1-1/4. Why do they do that? It completely fucks up my calculations each time, because stupid me keeps thinking the tag on the wood means what it means. I really need to look it up and find out.
I used Spax brand screws which kick ass by the way, just wanted to put that out there. They are flared screws that you don't have to pre-drill for (depending on the application).
I used interior wood glue, BAD idea! Its no joke, use the designated glue for exterior. The interior glue will not dry outside in humid weather.
Something that annoys the piss out of me though is that the inscribed wood measurements are a blatant lie! Why the hell is it that when I purchase 2"x2", it is actually 1-1/4"x1-1/4"? Same with other cuts of wood. Like a 1'x2' is really 10"x1-1/4. Why do they do that? It completely fucks up my calculations each time, because stupid me keeps thinking the tag on the wood means what it means. I really need to look it up and find out.
Saturday, September 3, 2011
Fuck Me
So I get in contact with billing and it turns out that the fucking letter I gave them from BCBS and the temporary ID card and me saying "I think its a PPO" incriminates me automatically. I fucked myself because I said its a PPO when all they accept is PPO and in reality I have a fucking HMO. Why the fuck can't BCBS just use those fucking terms instead of "Blue Care" or "Blue Plus". Which is fucking meaningless.
So now I made a 110 dollar mistake because that is what I owe them. Their fucking billing staff never picks up the fucking phone when you call them. I hate that kind of shit, I hate those mean fucking billing people and awful receptionists with the bad fucking attitudes.
So now I made a 110 dollar mistake because that is what I owe them. Their fucking billing staff never picks up the fucking phone when you call them. I hate that kind of shit, I hate those mean fucking billing people and awful receptionists with the bad fucking attitudes.
High Volume Anger
I am currently experiencing the kind of angry that I experience when I am at the tipping point or the verge of a melt down. I now know how people feel before they go on a fucking killing spree. In life its okay to be an asshole as long as you don't break any laws. If you break morality laws it doesn't matter unless the people above you are moral or have visibility of your moral issues. I swear if there was any power I wish I could have, I wish it was the power of death. I wish I was the cosmic being death. I wish I could only be seen when I want to reveal myself and take the lives of people who deserve it.
Where is a fucking hell girl when you need one.
I am trying so hard to calm down right now which is why I am writing down how I feel so that I don't start screaming or yelling at anyone. I am at the breaking point and it is very difficult to not turn. I have dealt with the billing bitch from hell today, admittedly my fault that I got fucked on this and I was passed up today on going to a lunch meeting with one of our potential hires. My asshole boss excluded me from an interview and picked one of the people under me in stead. Said he had more technical knowledge. I am heavily insulted.
So I have been on edge all morning already and it doesn't help that I owe 110 dollars now that I didn't plan on.
Where is a fucking hell girl when you need one.
I am trying so hard to calm down right now which is why I am writing down how I feel so that I don't start screaming or yelling at anyone. I am at the breaking point and it is very difficult to not turn. I have dealt with the billing bitch from hell today, admittedly my fault that I got fucked on this and I was passed up today on going to a lunch meeting with one of our potential hires. My asshole boss excluded me from an interview and picked one of the people under me in stead. Said he had more technical knowledge. I am heavily insulted.
So I have been on edge all morning already and it doesn't help that I owe 110 dollars now that I didn't plan on.
Thursday, September 1, 2011
Playing House
So I have been trying to buy a house and let me just say it has been rather difficult. Finding it has been retarded, putting a bid in has been absolutely ridiculous, then dealing with all the paper work is uncomfortable. Almost a nightmare.
The amount of money involved in buying a house is ridiculous. It costs too much to buy one and the games you have to play are ridiculous. There is a lot proof that has to be provided, there is a lot of running around and pre-investments that are done. I had to pay $370 dollars for a full house inspection, I had to pay $450 dollars to my mortgage company for fees and other craziness and my all time favorite is $1500 dollar earnest payment. This doesn't include the $10K-15K dollar closing costs and not to mention I found out that I have to buy homeowners insurance on my own which I am going to have to pay the first year of all in one shot. That could be $2-4K easily.
This is going to be tough. The good news is I have been smart about the money I have been saving. The next deal after that is getting my roof fixed, I can't afford that because it is just to goddamn expensive right now to deal with. I have gotten estimates of $11-14K which is pretty goddamn expensive if you ask me.
My point is for all this, is that I want a house. Not because it is an investment, but because I am going to live in it. A house should not be considered an investment, it is considered a place where you live. The property value should be of no concern to you. The goal is to buy the house and pay down the mortgage to zero so that you can live mostly rent free at one point.
If you want an income property, do not try to juggle two mortgages, pay one off first, then rent it out when you purchase a new property.
The amount of money involved in buying a house is ridiculous. It costs too much to buy one and the games you have to play are ridiculous. There is a lot proof that has to be provided, there is a lot of running around and pre-investments that are done. I had to pay $370 dollars for a full house inspection, I had to pay $450 dollars to my mortgage company for fees and other craziness and my all time favorite is $1500 dollar earnest payment. This doesn't include the $10K-15K dollar closing costs and not to mention I found out that I have to buy homeowners insurance on my own which I am going to have to pay the first year of all in one shot. That could be $2-4K easily.
This is going to be tough. The good news is I have been smart about the money I have been saving. The next deal after that is getting my roof fixed, I can't afford that because it is just to goddamn expensive right now to deal with. I have gotten estimates of $11-14K which is pretty goddamn expensive if you ask me.
My point is for all this, is that I want a house. Not because it is an investment, but because I am going to live in it. A house should not be considered an investment, it is considered a place where you live. The property value should be of no concern to you. The goal is to buy the house and pay down the mortgage to zero so that you can live mostly rent free at one point.
If you want an income property, do not try to juggle two mortgages, pay one off first, then rent it out when you purchase a new property.
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