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B&M Monday

24

Re: B&M Monday

  • imagedanac2010:

    imageTiffany618:
    Thanks Ladies!   I am going to call them today to see what their procedures are and when all of this will take place.  Luckily, we have a fantastic mortgage company... so I don't expect a problem.   I just wish that whoever figured our escrow amounts to begin with had done it correctly. 

    Tiffany, most mortgage companies do what is called an Escrow Analysis on Texas homeowner's  Escrow account in April.  This is because in Texas taxes aren't due until 1/31 and so they want to make sure they have had time to process any additional payments that might come through.  Once they do the analysis they will either send you a bill for the shortage or give you the option of taking the overage or applying it to principle. (Use to work in the Escrow dept at BOA mortgage)

    If your taxes have already been paid and your insurance has been paid for the year you can call and have the analysis done before April.  You will still more than likely get another analysis in April even if you do one now because they are just systematically processed.  It is actually against the law for the mortgage companies to keep more than $50 over the required amount in your escrow after the analysis is done.

    Have you switched insurance companies?  Have your taxes not been appraised correctly?  Most of the time there is only a small overage in escrow ($5-200) but if you changed insurance companies and your premiums went down then that could be why there is such a difference. 

    Hope that makes sense.

    Oh, great!  Thanks for the info! :)

    Nothing has changed.  We bought our house in April and the taxes remained basically the same (within $5 of last year's bill) and our insurance premium has remained the same since we closed.  I guess the bright side is that we can look forward to significantly lower payments next year. :)

  • Chelsea- That's crazy that he stole that picture!  I would've been super upset if someone used my picture for that kind of ad!
    Anniversary 
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  • imagesparklingdiamond:
    Chelsea- That's crazy that he stole that picture!  I would've been super upset if someone used my picture for that kind of ad!

    Yeah. She was. I was so glad she wasn't mad at US. I mean, there's nothing we did wrong at all. He cropped our watermark out and violated a stated copyright. Some people are shady. Luckily we have watchdogs out for this kind of thing, and that's the only time it's ever happened, and the ad was immediately pulled. And the bride gets to say that her rockin' body made her lots of money one time. :)

    imageimg
  • imagesuperMcG:

    imagesparklingdiamond:
    Chelsea- That's crazy that he stole that picture!  I would've been super upset if someone used my picture for that kind of ad!

    Yeah. She was. I was so glad she wasn't mad at US. I mean, there's nothing we did wrong at all. He cropped our watermark out and violated a stated copyright. Some people are shady. Luckily we have watchdogs out for this kind of thing, and that's the only time it's ever happened, and the ad was immediately pulled. And the bride gets to say that her rockin' body made her lots of money one time. :)

    That's messed up, but I'm so glad it was caught! 

  • Michelle (and anyone else, really)- Did you watch Desperate Housewives last night?  In the beginning it shows each housewife calling 911 for help and DH and I cannot figure out what Lynette had in her hands when she was getting on to the 2 red headed boys.  Did you happen to catch what it was? 
  • imageshortgirltx:
    Michelle (and anyone else, really)- Did you watch Desperate Housewives last night?  In the beginning it shows each housewife calling 911 for help and DH and I cannot figure out what Lynette had in her hands when she was getting on to the 2 red headed boys.  Did you happen to catch what it was? 

    I did not - but I really liked last night's episode.  I was having a hard time with this season, because I feel like it's getting lame... but last night's made me feel like it was coming full circle.

  • imagebsn1752:

    imageshortgirltx:
    Michelle (and anyone else, really)- Did you watch Desperate Housewives last night?  In the beginning it shows each housewife calling 911 for help and DH and I cannot figure out what Lynette had in her hands when she was getting on to the 2 red headed boys.  Did you happen to catch what it was? 

    I did not - but I really liked last night's episode.  I was having a hard time with this season, because I feel like it's getting lame... but last night's made me feel like it was coming full circle.

    Oooh, it's on the dvr!  I didn't watch it last night.  DH was watching some stupid movie first, so I didn't get to turn it on.  

    I agree with you Brianna, this season has REALLY turned me off.  But since it is the last season and I've watched it from the start, I wanted to see it through.  But now y'all are making me look forward to watching last nights episode.

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  • I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.
  • imageTiffany618:
    imagedanac2010:

    imageTiffany618:
    Thanks Ladies!   I am going to call them today to see what their procedures are and when all of this will take place.  Luckily, we have a fantastic mortgage company... so I don't expect a problem.   I just wish that whoever figured our escrow amounts to begin with had done it correctly. 

    Tiffany, most mortgage companies do what is called an Escrow Analysis on Texas homeowner's  Escrow account in April.  This is because in Texas taxes aren't due until 1/31 and so they want to make sure they have had time to process any additional payments that might come through.  Once they do the analysis they will either send you a bill for the shortage or give you the option of taking the overage or applying it to principle. (Use to work in the Escrow dept at BOA mortgage)

    If your taxes have already been paid and your insurance has been paid for the year you can call and have the analysis done before April.  You will still more than likely get another analysis in April even if you do one now because they are just systematically processed.  It is actually against the law for the mortgage companies to keep more than $50 over the required amount in your escrow after the analysis is done.

    Have you switched insurance companies?  Have your taxes not been appraised correctly?  Most of the time there is only a small overage in escrow ($5-200) but if you changed insurance companies and your premiums went down then that could be why there is such a difference. 

    Hope that makes sense.

    Oh, great!  Thanks for the info! :)

    Nothing has changed.  We bought our house in April and the taxes remained basically the same (within $5 of last year's bill) and our insurance premium has remained the same since we closed.  I guess the bright side is that we can look forward to significantly lower payments next year. :)

    This actually might be why it's so high.  The closing company collects X amount of $ from you for taxes and insurance at closing based on the previous owner.  If they had a higher premium or if they didn't have the homestead exemption on the property the amounts can change.  Not only that but usually the seller has to pay the portion of taxes for the part they still owned the house.  You only had to pay taxes and insurance on April-Dec.  Your payment may not go down much but you will get the overage back and like I said if you apply it to principle you can then have your payment adjusted possible.  Just call and ask for an Escrow Analysis.  They'll know what it is.  Also ask if they will lower your Reserve Requirement.  My mom did this and it lowered her monthly payment by about $90.  It's not a whole lot but every bit counts. 

    Reserve Requirements are what the government will allow a mortgage company to "hold" in case your taxes or insurance sky rocket one year.  It's not a requirement even though that's what they will tell you.  We use to lower them all the time to help homeowner's lower their payments.  They are "allowed" to keep this money by the government but it's not "required".

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  • imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Yowsers.  That is quite a task.  Kudos to you for letting them stay with you.  You always send off a gracious and patient vibe, so I'm sure you will handle this well.  Good juju your way.

    Our last sunset in Hawaii... Honeymoon 2010
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    BabyFruit Ticker

    Michelle & Michael

    Married - August '10
    TTC - Since September 2011
    IUI - 10/29/2014, BFP! EDD: 7/22/2015
  • Chelsea, I hope you have fun on your trip!

    Angie, oh man, I hope BIL behaves himself and they're able to get on their feet soon (for their sake and yours!).

    I had a really good weekend. PWAT was a blast, of course, and that night I helped DH shoot a party for the first time. He didn't give me a whole lot of instruction, just kind of handed me a camera and said "have at it!" lol. I feel like I learned a lot and might, maybe, someday, become a useful second shooter for him. Sunday I slept in and didn't do much of anything. I've been so stressed about finding out if I'm moving on in the interview process that I've been sleeping maybe 6 hours a night (and poorly), so the rest was seriously needed.

    Speaking of bad TV, did anyone watch Virgin Diaries last night? O.M.G. It was GOLD.

  • imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Oh my gosh.  Kudos to you for being optimistic.  I have a really great relationship with my MIL, but to have her live with us?  That would be hard.  I really hope your BIL can mind his manners.  Is he still in HS? 

  • Oh, and Chelsea, how crazy that someone stole that picture, and for no apparent reason.  BUT, that is great that you are getting this awesome trip out of it!  Have fun!
    Our last sunset in Hawaii... Honeymoon 2010
    Image and video hosting by TinyPic


    BabyFruit Ticker

    Michelle & Michael

    Married - August '10
    TTC - Since September 2011
    IUI - 10/29/2014, BFP! EDD: 7/22/2015
  • Catching up:

    Angie - You are a saint for this. I hope it all works out fine and BIL is no trouble.

    Chels - That is crazy! Also - have fun on your trip hot momma. :)

    Sarah - PP seemed to have helped you with this, so I will just give you a hug and a good thought that DH gets out of his funk.

    My B&M:

    I posted on FB about being nervous about presenting my paper/argument on Thursday. DH and I went over to the neighbor's house for a little college FB get-together Saturday night and one of the wives brought up my paper and asked for the topic. I told her and explained my argument and lively conversation was sparked with many people on my side and a few who were not. 

    The neighbor who is so nice to us and generally just an all around nice guy started talking about how people who are infertile are just "S.O.L" and they need to "man up and deal with the hand they are given" and "do not in any way deserve insurance because insurance can't pay for everything" and he doesn't want to have to pay for some "barren b!tch."

    I had to go outside for a minute because I was feeling physically ill. He has no idea what we are going through but ignorance is ignorance. We stayed because we knew we would have to explain why we were leaving if we did and that would have been super-awkward.

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  • imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Oh man.  All I can say is, you're a better woman than I.

  • imageBanannaP:

    Speaking of bad TV, did anyone watch Virgin Diaries last night? O.M.G. It was GOLD.

    This is on my DVR, I won't have time to watch today but will watch tomorrow. I only set it to record this episode so I can decide if it is worth one of my precious 50 slots on the DVR list. :)

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  • imagelesalyric:
    imageBanannaP:

    Speaking of bad TV, did anyone watch Virgin Diaries last night? O.M.G. It was GOLD.

    This is on my DVR, I won't have time to watch today but will watch tomorrow. I only set it to record this episode so I can decide if it is worth one of my precious 50 slots on the DVR list. :)

    It's just a one-time special for now, so totally worth watching. I think there's talk of making it into a series at some point, though.

  • imagestephiehall:

    imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Oh man.  All I can say is, you're a better woman than I.

    ME TOO!  Good luck, Angie!

     

    Leslie - Wow, I would have probably decked him.   Everyone has their opinion, but he could have been a little more graceful in delivery.  My goodness.

  • imageTiffany618:
    imagestephiehall:

    imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Oh man.  All I can say is, you're a better woman than I.

    ME TOO!  Good luck, Angie!

     

    Leslie - Wow, I would have probably decked him.   Everyone has their opinion, but he could have been a little more graceful in delivery.  My goodness.

    Same. What a hurtful, ignorant thing to say. My heart hurts for you.

    Angie... I am seriously impressed. You win the DIL of the Year award, for sure!

    imageimg
  • Angie - Good luck with your MIL and BIL, that is so nice of you to welcome them into your home.

    Leslie - I'm with Tiffany, I probably would have punched him. Hard.  There is no reason to use such harsh words even if his opinion is what it is. 

  • Jaymi and Julie - Would a crock pot help? I know DH and I use it when we have late days and it's helps so we don't have to eat out.

    Sarah - I hope you figure out what's going on.

    Leslie - I agree that guy needed to be punched in the face!

    I don't really have a B&M since I had a great weekend including some PWAT fun. I had a check up on my knee this morning. I was sure he was going to say surgery was in order since it's been hurting all weekend, but he said the cold and pressure change is all that was causing the pain. He said it actually looks like it is healing well and the best part..... I can start exercising!! Not hard core, but some PT, walking and eliptical!  

  • I've been wondering why a certain someone at work has been acting different the last week (when she is nice, a bomb is dropped shortly after like clockwork) and I definitely knew something was up when all of our staff was encouraged to apply for a position that is a couple of steps up by this person.  If I think what happened just happened, and I'm pretty sure it just happened, I am back under my bully f'n coworker, well now, supervisor.  Fu...  And I did speak up about my concerns but they want to "test it out"; hopefully when there are any issues, because there will be, people at top will actually listen.

    Leslie- Your story made my jaw drop.  I would have bopped him upside the head too but he will eat crow one of these days.

    Angie-  Good luck living with your IL's.  And if problems do pop up, please discuss them instead of just letting it fester and blow up.  

  • Leslie- I think I would've smacked him. How extremely rude of him to say crap like that. It's hard for me to believe that there are people that think like that.

    Angie- I hope everything goes well and he behaves!

    So apparently DH is still bothered by the fact that I said that guy was cute. I told him to get over it and not let it bother him because I married him and want to be with him and no one else!  Crazy! :-P

    Anniversary 
    Baby Birthday Ticker Ticker
    ~TTC Buddies with akcrrr and amandaf6383~
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  • Leslie -

    I am willing to help you out.  If you'd like to supply me with his address; I will go to his house, ring the doorbell, and when he opens the door... I will junk punch him.  And then say "YOU KNOW WHY"... and leave.  For you dear, I can and will do this.

    ETA:  People, it's a movie.  :)

  • imageserlace:

    imageangieandjames:
    I have another, um, observation for the day.  I am trying to remain optimistic, so I won't call it a B&M, but it could head that way... but fingers crossed that it does not.  MIL and her husband are having problems, because he is a total jerk.  Last night, J asked me how I felt about MIL & BIL (18, trouble maker) coming to stay with us for a little while.  I said okay, as long as BIL behaves.  They're coming today, and for an indeterminate amount of time (J won't even provide a guess).  MIL will be fine, but I am so nervous about BIL.  (And of course, I feel some pressure to be a good wife from MIL, but I know that I'm imagining all that pressure, that it's not really coming from her, but I still can't help it.)  So, good vibes would be appreciated.

    Oh my gosh.  Kudos to you for being optimistic.  I have a really great relationship with my MIL, but to have her live with us?  That would be hard.  I really hope your BIL can mind his manners.  Is he still in HS? 

    Long story short, he dropped out.

    I'm hoping it's just for a week or so.  I really like my MIL, but I also like having my space & all of that. 

    Leslie - what a bummer - I am so sorry you had to go through that!

    Brianna - I <3 you for that.

  • imageDFWIndian:

    Jaymi and Julie - Would a crock pot help? I know DH and I use it when we have late days and it's helps so we don't have to eat out.

    Sarah - I hope you figure out what's going on.

    Leslie - I agree that guy needed to be punched in the face!

    I don't really have a B&M since I had a great weekend including some PWAT fun. I had a check up on my knee this morning. I was sure he was going to say surgery was in order since it's been hurting all weekend, but he said the cold and pressure change is all that was causing the pain. He said it actually looks like it is healing well and the best part..... I can start exercising!! Not hard core, but some PT, walking and eliptical!  

    A crock pot is a good idea, I just don't use it much and I don't have many recipes but I will get some today.  How about some water aerobics or anything like that?  You get to workout but not put pressure on your knee.

  • Angie, I hope everything works out and your optimism becomes truth.

    Anna, I watched virgin diaries this morning and it is so awful its interesting.

    Leslie, wow!  I dont know how you didnt speak up or leave, I dont know that I could have done the same.

  • Leslie, I wouldn't have been able to keep my mouth shut. He must be pretty dense to think that you would write a paper on that topic and not have some kind of personal connection to it.

    Brianna, I'll go with you. That's my answer for everything.

  • Thanks Ladies. He is a really nice guy and is in fact helping DH finish out some of the flooring this week. I think some people just have a hard time understanding situations until they are in them. He has one daughter they got as a surprise and his wife had her tubes tied after the birth because they never really wanted kids anyway but now wouldn't trade for their daughter.

    All that said though, I am not sure I could ever, even if I had conceived the first couple of months trying say to someone "Sorry bout your bad luck." You know?

     

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  • My aunt just posted this on FB and it made me LOL so hard because she is usually so sweet and nice on FB:

    "Anyone who says we are not at war with China has never delt with their crap Christmas lights!"

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