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What Made You Happy today?


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On 12/24/2020 at 11:49 AM, Walter said:

Oh yeah and what made me very happy today is we closed on our refi of our home. Silver lining on ending 2020....

In the process of re-fi myself but it is still a hard swallow that these companies charge (in our case) 8k+ just to write a check and take over a loan. The woman I talked to even had the ovaries to tell me she was going to waive the appraisal fee as a bonus. Give me a break! The loan to value ratio on my home is .3 to 1 which nowhere near requires an appraisal. 

Anyway, it will save two years of payments but still, 8k+ is highway robbery for doing so little. I remember when a refi cost around 2.5k and that was only a few years ago.

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1 hour ago, BobDobbs said:

In the process of re-fi myself but it is still a hard swallow that these companies charge (in our case) 8k+ just to write a check and take over a loan. The woman I talked to even had the ovaries to tell me she was going to waive the appraisal fee as a bonus. Give me a break! The loan to value ratio on my home is .3 to 1 which nowhere near requires an appraisal. 

Anyway, it will save two years of payments but still, 8k+ is highway robbery for doing so little. I remember when a refi cost around 2.5k and that was only a few years ago.

Yeah they just upped the fees at the beginning of December too! We were reimbursed for our appraisal fee.  We got a cash payout to put a pool in. Dropped our rate by over 1.75%. Just met with the pool company this afternoon to pick out the colors, tile, etc.  This is our third pool we’ve had built.  Very excited! ✌🏼

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1 hour ago, Walter said:

Yeah they just upped the fees at the beginning of December too! We were reimbursed for our appraisal fee.  We got a cash payout to put a pool in. Dropped our rate by over 1.75%. Just met with the pool company this afternoon to pick out the colors, tile, etc.  This is our third pool we’ve had built.  Very excited! ✌🏼

We had one built at our last home we lived in. Interesting process watching it being done, the inspections, etc. and once finished its a real treat. Good for you Walter 🙂 

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25 minutes ago, LedZeppfan1977 said:

Well I am shocked.  The second stimulus check was in my checking account this morning.  On New Years freaking day!  Shocking.

Only $600 bucks,

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44 minutes ago, RainbowElf said:

Only $600 bucks,

Wish someone would give me "£600", I could do with a contribution towards a new tonearm for my turntable.

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2 hours ago, LedZeppfan1977 said:

Well I am shocked.  The second stimulus check was in my checking account this morning.  On New Years freaking day!  Shocking.

lucky you. I got £5000 only for the C***s to ask for it back.

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Made me happy:

2020 is over

Woke up (like Ledzepfan1977) to my stimulus money in the bank account.

 

So far, so good. Now let's stop F-ing up the vaccine roll out, get everyone poked and lets get back to a somewhat sense of normality. I figure the new normal once everyone has been vaccinated will be the wearing of masks and social distancing in the winter, but warmer months no mask.

I wonder how this is affecting the porn and escort businesses????

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7 hours ago, JTM said:

Wish someone would give me "£600", I could do with a contribution towards a new tonearm for my turntable.

Yeah the government gives millions to foreign countries, yet they could only give us this much? I call bullshit on it, take. care of your own,.

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7 hours ago, redrum said:

I'm still above ground.

🤣 Me too - and this year will be getting out of this damn chair a bit more lest I get closer to being IN the ground!!!

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16 hours ago, JTM said:

Wish someone would give me "£600", I could do with a contribution towards a new tonearm for my turntable.

Yep, I need my usb port upgraded on my desktop and a nice new sound card as well would be a nice upgrade for it.

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5 hours ago, rm2551 said:

🤣 Me too - and this year will be getting out of this damn chair a bit more lest I get closer to being IN the ground!!!

Get on up as James Brown would say. :)

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Well, thanks for the $600 President Trump, used it to get a nice new desktop computer with tons of memory etc, should have it by tomorrow.

Edited by luvlz2
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  • 5 weeks later...
  • 2 weeks later...
  • 2 weeks later...

Finally finished my staircases, laying hardwood and a runner. Stairs are a real bitch to hardwood but the runner was easier than I thought. So many pieces to cut and trim properly. Laying the wood was bad enough but the five trim pieces plus bullnose for each step, forget it.

But it's done and looks great. Next project, replace the carpeting and padding in my loft and two bedrooms.

Edited by BobDobbs
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I'm happy because I've made someone else happy, a couple of weeks ago I had to change my car, I'd had it for almost nine years, it was four years old when I bought it.  120,000 miles on the clock, more things wrong with it than were worth spending the money to put right.    So I traded it in for a newer car at my local motor trader, same place I bought the old car. As I didn't expect to get much for the old car I told Bill the garage owner whatever he gets for the car to donate the money to a charity of his choice. He was astounded/gobsmacked, he said in thirty+ years as a car dealer nobody has made such a gesture. I just got off the phone with him, he called me to tell me the sale made £300 which is going to a local charity. I was prepared to give the car away, happy to get rid of it, I well had my money's worth out of it. Word is around at what I did with a little luck I may have started  a new trend, can't get over that I've done a first, I would have only blown the money on dust gathering records anyway.

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1 hour ago, JTM said:

I'm happy because I've made someone else happy, a couple of weeks ago I had to change my car, I'd had it for almost nine years, it was four years old when I bought it.  120,000 miles on the clock, more things wrong with it than were worth spending the money to put right.    So I traded it in for a newer car at my local motor trader, same place I bought the old car. As I didn't expect to get much for the old car I told Bill the garage owner whatever he gets for the car to donate the money to a charity of his choice. He was astounded/gobsmacked, he said in thirty+ years as a car dealer nobody has made such a gesture. I just got off the phone with him, he called me to tell me the sale made £300 which is going to a local charity. I was prepared to give the car away, happy to get rid of it, I well had my money's worth out of it. Word is around at what I did with a little luck I may have started  a new trend, can't get over that I've done a first, I would have only blown the money on dust gathering records anyway.

What a BOSS move JTM. Well done.

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Opened the mailbox yesterday to see a bill from Direct TV.....after I cut the cord in December.  Opened up the envelope..total amount due...$0.00!!  I read so many horror stories about people cancelling cable only to receive bills months afterwards and it taking even longer to get their accounts cleared.  SOOO HAPPY not to have to deal with the cable company ever again!

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4 hours ago, JTM said:

I'm happy because I've made someone else happy, a couple of weeks ago I had to change my car, I'd had it for almost nine years, it was four years old when I bought it.  120,000 miles on the clock, more things wrong with it than were worth spending the money to put right.    So I traded it in for a newer car at my local motor trader, same place I bought the old car. As I didn't expect to get much for the old car I told Bill the garage owner whatever he gets for the car to donate the money to a charity of his choice. He was astounded/gobsmacked, he said in thirty+ years as a car dealer nobody has made such a gesture. I just got off the phone with him, he called me to tell me the sale made £300 which is going to a local charity. I was prepared to give the car away, happy to get rid of it, I well had my money's worth out of it. Word is around at what I did with a little luck I may have started  a new trend, can't get over that I've done a first, I would have only blown the money on dust gathering records anyway.

You're a good man JTM, and good for you. It's people like you who make this world a little better. 

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