Wants

After I get my house I would like to have the following in no particular order:
01. A new android phone
02. Switch to boost mobile to save more money
03. New pc gaming rig
04. Upgraded server rig
05. Netbook
06. Shed
07. Angle grinder
08. Welder (not sure what kind yet)
09. Drill press
10. Miter saw
11. Wet saw
12. Newer drill
13. Tap and die set
14. Newer drill bits
15. Table saw
16. New tool box
17. Tool chest
18. Newer larger capacity air compressor
19. New car
20. Pay down student loans
21. New car for wife
22. Vibrating knife tool thingy
23. Composter
24.

One Sided Negotiations

So for just right now, during the year of 2011, it seems that asking the bank that owns a house under short sale to reduce their asking price down by 20K is actually okay. The reasoning I have gotten so far is that they would be idiots if they didn't lower it because we are so far inside with the sale that it just wouldn't make any sense not to.

I think that is flaky reasoning and wishful thinking. Either way at least it is a reason to not give up hope yet. The other side to this is that I have asked like 4 or 5 people already about their thoughts on all of this and they have all consistently said the same thing, "yeah... that's normal. Just renegotiate." I was shocked each time I heard it.

From what I understand, this is considered normal for right now. These banks need to get their crap houses out of their books. It is just more of a liability right now.

Affordable Marraige

Was legally married today to my girl.

Office Warfare

I am thinking about, and I probably am, going to invest in a voice recorder that looks like a USB drive. I do not trust my boss at all and I think it makes more sense to start recording our discussions from now on. Whether it is a group discussion or a one on one interaction, I want to record our discussions so I can review them later and so I can use them as proof too if need be.

I am being told to be patient, but I am not sure how much longer I can wait while I am letting other opportunities pass me by. I can be making about 25-30% more than I am making now. The only problem is that I am not sure how safe any of those jobs out there are in comparison.

The Homeowners Game

I got confirmation from my closer that South Florida homes require type HO3 insurance. I also got my policy lowered to about $1,800 per year by sacrificing a lot on the policy.

So I got my appraisal back and my worst fears have been confirmed the appraisal came in under 10K than asking price. Fuck. Then the next thing is that my closer did a voodoo calculation that I don't understand worth a damn and actually said that it is 20K under. So we need to go back to the negotiation table with the owner and short sale bank bastards and attempt to get them to drop the value by 20K.

This does not look good. I am ready to walk. I got fucked out of 370 dollars for an inspection and 425 dollars for an appraisal that fucked me so far.

This is some confusing shit.

Oh Come On Now!

So the good faith estimate (GFE) for the home owners insurance for my house is $1,200 a year according to my loan officer. It turns out that after we started getting quotes and all this crazy bullshit we find out that it is realistically anywhere between 2,500 to 5,000 dollars for HO3 grade insurance per year! Holy shit, that GFE is not good, it is just a Faith Estimate. So I have been going apeshit crazy trying to figure out how to lower the policy. Not easy and no good. No matter what the best I can find is about $3,000.

Fuck you citizens insurance and fuck you insurance companies in general for skipping town after being required to do your job. You know... make good on the insurance part of the insurance. Citizens can kiss my ass because their rates are purposely high because they don't want homeowners to use them (this is a Florida Republican invention by the way)... well how the fuck am I supposed to be insured by someone who isn't Citizens if NO ONE ELSE WILL COVER FLORIDA? How is that fair or legal?

Thanks Florida Republicans, yall suck.

Fridgerator Courtesy

It is annoying at times to share a refrigerator with so many other people. If everyone would just bring a bagged lunch, lunch box or equivalent it would be fine. However there are those times where people bring in their shopping for lunch for the whole week. That is very nice, but what about everyone else? We want space for our stuff too? I mean hell I bring a bag back and forth every day, so I am not taking up space for very long.

The worst part is when stuff starts going bad and begins to reek like hell. Are you really going to tell me that you forgot about all the fucking shopping you just did? The same people who shop for the week, leave stuff in the fridge to die, then rot for an unwanted odor.

What the fuck?