What You Will Need When You Buy a Home

I graduated college at a wonderful time, right into a recession. I decided to not let Whitey get me down and go ahead and buy a house. I have been waiting for a couple of months now since I agreed to buy a place and it is driving me insane. I decided I would make a list of all the things I have needed so far and I can’t imagine what else there could possibly be.

Things You Provide
2 years worth of W-2 forms
2 months of paystubs
Previous year tax return
Good credit
List of debts and payment schedules
Note stating that a spouse did not work in a previous year
Contact info for insurer of home
Signed REPC
A year of canceled rent checks
A Ton of Patience

Things the Lender Provides
A signed good faith estimate
A loan application
A patriot act property form
An employment verification form

Things the seller provides
Certificate of occupancy
1 yr warranty form (if new)
Termite guarantee form or inspection

I think that is everything unless they pull out the surprise rectal exam or they want some DNA samples. I wonder what it would have been like if I had tried for a house a couple of years ago when they were giving them out to every hobo with half a pulse. If I think of anything else I will edit it in. If you are going to buy a house just get all of these things ready ASAP in case they are needed. I gathered everything on this list as it has been requested over the last two months. It would have been much easier to know before hand and just turn it all in.


TV Turn Off Week

Apparently we are right in the middle of what some group of people has decided was a good time for TV turn off week. There is also another one in September. Learning this today a great many questions popped into my mind, such as:

  • Who is deciding when to do this?
  • Can we take a vote as to when it should be?
  • Did they pick the beginning week of the NBA playoffs for any particular reason?
  • Did they pick the start of football season for the other week for any certain reason?
  • Are they aware that all summer long there is only baseball, Nascar and golf which actually make it an extremely pleasant experience to turn off your TV?

Last summer I had a TV detox which was pretty nice until I wanted to watch the Olympics and my reception was bad because I canceled cable. I think a TV turnoff week is a good idea but it should be on your own time schedule when there are no playoffs. And go ahead and do more than one or two weeks per year. I think it is a great idea not for environmental reasons but for mental reasons. Seriously though not during the playoffs.


Teen

Teen may be the ugliest of four letter words. We have teen angst, teen idols, teenie boppers, teen sensations, teen pregnancy and yes, even teenagers; all of which are stupid in one way or another. I know what you are thinking: “But you were a teenager once too.” Yes I was and I hated every minute of it. Let me take you on my journey of disgust for all things teen.

When I was in the third grade, I was walking past the high school on my way home from my elementary school. Ahead, I saw a bunch of the aforementioned teenagers loitering in front of the school. The previous day had brought a very rare snow storm to our Texas town and there was still some snow lingering around. As I got directly perpendicular to the wall where the teens were goofing off I could hear their idiotic laughter get suddenly silent. I felt like I should start running but I didn’t, I just kept my previous pace. Out of a flash my head was jerked to one side and I stumbled off the sidewalk. As I regained my composure I once again heard the stupid laughter from the group. I looked over and one of these fine upstanding youths was standing as though he had just thrown something at me and he was laughing with the others in a hilarious uproar behind him. He had thrown the most tightly packed, gigantic ice ball I had ever come across at my head. Surely he could have used his talent for accuracy in a better way such as baseball or football, but he felt the desire to harm young children. I reached up and felt my ear and when I brought my hand back I saw blood. I wanted so badly to pull a Ralphie on the guy, but he was a teenager and I was a little third grader. So I ran home. Thus began my dislike for teenagers.

When I myself became a teenager I would often find myself being looked at by adults as though I was in cahoots with the rest of the teens in the world. I wanted to say to them, “It’s not me. I am not the one who behaves stupidly.” I never took an opportunity to say that and I regret it. One day when I was 15, I was playing dunk ball on the old elementary school playground with my brother and a friend. We got thirsty and had a couple of quarters that we could use on a water bottle refill station just a few yards down the road. We went and got some water out of the dispenser and as our first gallon purchase was running out a woman pulled up in her car, with her young daughter inside. We put in one more quarter for more water and I noticed the woman get her water bottle out and walk towards another filling station. She then suddenly took the bottle back to her car though and drove away towards an adjacent 7/11. We walked back to the basketball courts and continued playing ball. A few minutes later a police car pulled up near the court and an officer got out while yelling at us to come over to him. He was very angry and asked us why we had harassed a woman and her daughter. We were totally perplexed as we had done no such thing. He told us that a woman had just called from 7/11 saying that three teenagers harassed her and her daughter at the water station. She claimed that we had threatened to do some horrible things to her and her daughter and that we threw a basketball at her. We explained repeatedly to the officer that we were just getting a drink and cooling off and that we had absolutely no interaction with anyone else. It took 10 to 15 minutes to convince the policeman that our side of the story was correct and the woman had completely lied. Luckily he believed us and let us go on our way. If it was an out-of-the-ordinary occurrence for teenagers to harass people we might have had an easier time convincing the officer of the truth.

There are a whole host of other instances similar to these that have led me to dislike teens even when I was one.


Wow Leonard Nimoy, Wow

With all the commercials for the new Star Trek movie and the fact that they are making “The Hobbit” into a movie, I have remembered this video:

Indeed wow.


Children’s Book = Movie

Where the Wild Things Are is a children’s book that has just recently been made into a movie:

Another classic child’s book has been made into a movie:


HOME SCHOOL

Me and some friends were sitting around one night bored out of our minds. We were dreading going back to school on that Monday. We were thinking how cool it would be to just be home schooled. Then we got the GENIUS idea to have some fun. We each grabbed a piece of paper and went off to different corners of the room. Our goal: to come up with some “FUNNY” Good and Bad points of being home schooled. After we had all come up with as many as we could we threw all of our ideas together and came up with a MASTER list… A “Best of” list… We came up with several more but these were some of the better ones…. SO I now give you….

“THE GOOD AND BAD POINTS OF HOME SCHOOL”

GOOD POINTS:

– “Free Lunches!”
– “No Gangs!”
– “You know everyone in school!”
– “You always know where your classes are!”
– “School is never too far from home!”
– “No Dropouts!”
– ” You can flunk everything and still be #1 in your class!”
– “No Fights”

BAD POINTS:

– “ALWAYS have homework!”
– “Small Yearbooks!”
– “School NEVER gets canceled!”
– “Teacher ALWAYS knows your name!”
– “No Substitutes!”
– “The Proms SUCK!!!”
– “Can’t make up excuses as to why you didn’t get your home work done!”
– “IF YOU FART THERE IS NO ONE TO BLAME IT ON!!!!”

Stupid Balloon Prank

Since April fools I have been thinking about dumb things I have done to people. Some of them I must plea the 5th on and some are fairly harmless. I was talking with Brandon about this one that we pulled on one of our old roommates. We were really really bored and had some balloons, so we filled them up, put faces on them and placed them in strategic locations where our roommate would run across them at different times.

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For some reason I think he didn’t find it as funny as we did. But I could just be remembering his general reaction to almost everything, which could be why we always messed with him.


Problem Solved: World Hunger

We have all seen the sad commercials about hungry children and the struggling people who work hard but just can’t provide, or the commercials for the children who may not even have parents that have the bloated bellies from not eating. It is a real problem and I have a real solution. I think it would be really sweet if this solution was actually implemented but I highly doubt it.

I am thinking about calling my solution:

The Food Network Challenge

If you have ever watched the food network you have no doubt seen the enormous amounts of food that are made all the time. Now, if every Food Network show could be shot on location in a disaster area or at a soup kitchen or in one of the myriad of places where people are in need this would be a gigantic help to a lot of people. Many people would have no trouble putting up with a super-peppy chef so they could finally have a meal. No matter what, there are always people who need food so they will never run out of locations.

This could be a big positive for the station as well. First off, they would be seen as kind and caring. Secondly, starving people would not have to make fake approving faces with mmmm’s and oohh yeah’s. The home audience would see people eating the food and say, “Wow, that looks really delicious, I have never seen someone enjoy a meal that much. I should buy the recipe book.”

So, come on Food Network, do the right thing and at least make one show that does this. Then pick me up for my “Hobo Eats” show idea.