Refi

administration agreement banking blur

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I’ll tell you what, in a world where everything seemingly has to be done online right now, banks aren’t really trying to make the Refi process any easier.

When a bank contacts you about the possibility of lowering the interest rate on your mortgage it should be a breeze. They have all the info they need based on the current loan and short of a few updated documents for verification, it should be a seamless and painless process.

Nope.

At least not with Chase. Maybe others have been better.

Their website doesn’t work like it should. They are communicating, or at least trying to communicate with me, through two different portals instead of one. I can only upload documents in one of those portals, but have another portal to “e-sign” stuff in. Makes no sense.

Then the mortgage advisor assigned to me doesn’t communicate with me until nearly the end of each day so it takes another 24 hours to get anything done. This all could have been done last week, but they can’t print (or download) the documents already signed on their website, and they keep asking for things we have already done.

Irritating I tell ya! I stayed with them because it should be relatively easy if you’re already their customer. Nope. Not so much.

Frustration.

Money tree?

person holding one dollar bill

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Apparently the Democrats have a money tree they aren’t telling people about. Actually, it must be more than one, because there is no explanation of how this government give-away can be paid for, let alone sustainable.

What I can’t figure out is where they think the money for this is going to come from. Higher taxes? Who can pay those since many business are shut down? Oh, and since business are shut down, they’re laying off or furloughed their workers. And those workers don’t have money to spend at the businesses that remain open. The business that remain open? Well, they reduced hours and laid people off.

You see how this works, right? The cycle the economy follows is self-generating. In order for it to work, all parts have to be working efficiently and effectively. There is no part of an economy that doesn’t rely on another part of itself to work, removing parts keeps it from working.

Guaranteed Minimum Income. Universal Basic Income.

Two bad ideas and perhaps this is all about a dress rehearsal for those. Sounds great on paper but doesn’t work in reality or practicality. It’s been tried and nearly always/completely leads to disaster. But the socialists in the country are gonna keep on pushing it because you know, the mirage of utopia is just one the other side…

Perhaps its an attempt to buy votes for the upcoming election in November.

“Look what we tried to do (or did) for you! But those big bad, typically small government and more fiscally responsible Republicans kept us from giving you free money that we don’t have and can’t afford. Aren’t they mean? They’re keeping you on the bottom on purpose by not giving you the opportunity to receive free money instead of earning it. “

If a politician is telling you that you can get something for nothing, you better look real hard and ask a lot of questions. It ain’t true, no matter what they tell you! There is always a cost, and it definitely won’t be what you think it is and it won’t be the first thing you find. Dig deeper.

 

 

 

Hype

It’s getting rather old, isn’t it?.

Conflicting messages about what we should be afraid of…Covid-19, murder hornets, SARS, the flu, cancer, pollution, eggs, aliens, Russians and collusion…you name it and it’s likely been on the list at some point.

Sure, some are dangerous and some are likely even deadly. But to the extent that they would like us to believe? Not even remotely.

There have been lots of jokes on social media about the next big threat coming this summer, as in the Biblical plagues on the Egyptians or a really bad game of Jumanji.

Unfortunately, it doesn’t take much scrutiny to figure out there is something fishy going on. Rules apply to some, but not to others. Justice moves swiftly when those in power want it to move swiftly.

24 hour news cycles and billions of clicks later, there are definitely winners and losers are in this whole thing.

Some experts are more powerful than other experts. How does that happen? Whom is deciding who or what should be listened to and who we shouldn’t listen to?

There are a lot of questions these days and we, as the public, should be asking hard questions and then asking even harder questions. Maybe hunkering down and hiding in fear was the best answer, but maybe it really wasn’t.

What I do know is that I am tired of the hype.

 

 

**I am sure you have seen the viral video posted at the top. That about sums up all the hype. Credit to the owner.**

Tag-alongs

five white sheep on farm

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Nope. I’m not talking about small, over-priced cookies distributed by your little local vested gang…

I am talking about family members (adult children, really) who don’t ever make any plans on their own, but just “tag-along” on the plans of others.

Birthday parties, Thanksgiving, Mother’s/Father’s Day, etc…never their own plans, always the question that comes one of two ways, “What are the plans?” or “What are you doing?”

Both of those questions are then followed up by the assumption that they are automatically invited to the event (even if it doesn’t really involve them) and don’t have to put in any effort into it. Sure, sometimes they offer to bring something minimal but most of the time they just show up and consume with little to no appreciation.

I have watched from afar and up close and personal, so here’s an example of which I speak:

Mother’s Day planning is done for an elderly mother. Plans are made, set, decided upon, and food is purchased for said get together. Planning has been done by the child of this mother BUT what soon follows is the children (the adult grandchildren of the elderly mother) of said mother doing the planning don’t plan anything for their own mom. Instead, the children just horn in on the plans for the grandmother – they don’t make any effort to plan anything for their own mother, other than just going to the gathering for the grandmother.

Does that make sense? I tried to explain that as clearly as possible, but I am not sure I did it successfully.

Anyway, this kind of tag-along thing happens all the time and, quite frankly, the mother needs to say something about it but doesn’t have the heart to speak up and tell the kids they need to do their own planning.

Of course, I can’t speak up either because that is a battle I can’t win no matter how I approach it. I am sure you can assume you know how that would all go over.

Irritating, really. And all I can do is sit back and watch it happen…

Unsolicited Advice? If you have are an adult child with parents who are still around, make your damn own plans! That might be challenging depending on family situations and timing, but the effort is noticed and appreciated. DON’T just tag-along (even if you are invited to). Grow up, be responsible, and truly appreciate your parents instead of just relying on them.

 

Better luck

man old depressed headache

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Projects. So much time for projects.

BUT, do you have a project you want/need to do but are putting off because you aren’t sure the results you’ll get are what you want?

Don’t you hate it when you work on something and you have it all laid out in your head but then it doesn’t turn out like you envisioned it? OR, maybe it doesn’t go the way you want and it ends up being more trouble than it was worth, falling into that “Better luck next time” category of tasks?

I had one last night like that latter of those two. A retractable screen door on the house needed to be fixed. The most expensive option was to just replace the thing and with a new one or the other option was to buy parts for half the original cost and attempt repairs with no instructional manual. There was a vote and I lost, so repairs it was.

After much grunting, Pissing and Moaning, and not so quiet mutterings under my breath, I got to the project last night after work. And it went about as well as I thought it would. It was more trouble than it was worth. I would have rather started over with a new setup, but there is now a semi-functional screen door again. It just doesn’t work like it did when I originally installed it…which was perfectly (if I do say so myself). Now, it will make due but its not operating as smoothly as it could be.

Oh well.

So, I ask, do you have any projects you are dreading to tackle? Or did you do a project you dreaded only to regret tackling it afterwards?

I’m curious.

Extra effort

elderly gentleman making silence gesture in studio

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So, I have a colleague that likes to take the extra effort to prove herself correct.

Well, “correct” is actually subjective in this case because there are always different ways to go about things in software. Another one of those weird cliche sayings, “There’s more than one way to skin a cat.”

Anyway, she didn’t like that someone other than her had found another way in the software to do something we all thought wasn’t possible at first. She found the first solution and she crowed loudly. As we began to dig in, another colleague and I found another way to do it and when we brought that to the attention of everyone on the team she protested that it wasn’t a viable way to do it.

Well, she now has spent all weekend (unpaid time) to prove that she was correct, to a degree. That her method was the bet way and there really shouldn’t be any other method used.

OK, whatever.

I’m not going to get into it. You can have your silly little victory, but we all know there is more than one way to do it. My ego isn’t that big that I have to be right.

Anyone else have a co-worker that is like this? Has to be right at all costs, doesn’t like it when you show them there are alternative ways to do things?

Ingratitude

horse laughing laughing horse

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Rampant.

What do you do when you feel as though your kindness and generosity are being taken advantage of? What do you do when there is a lack of gratitude from someone who should be extremely appreciative of the way you have bent over backwards for them?

I think most of us don’t do things for others because we want to be celebrated. I don’t think we do things for others because we are looking for publicity or because we want accolades. We do things for others because we see a need and want to meet it. For some of us, it’s in our nature. For others, well, we have to work at it on a regular basis.

But, how do you handle a situation where you stepped out of what your “normal” everyday life is like, to rearrange and disrupt your life for a while, to help someone out only to have them act in a way that shows little to no gratitude or actually appears they are taking advantage of the situation?

Yeah, strangers likely wouldn’t act this way.

Family? Family, on the other hand, usually does.

I found out last night that appearances aren’t what they seem and there has been some talking going on behind that back of some family members about other family members. Mind you, the secretive discussions are from those who are getting help (and desperately needed it at the time) about those who are giving the help (who saw the need and stepped in to help despite major misgivings).

Seems a bit shocking, doesn’t it? It actually doesn’t really surprise me. I mean it does, and it doesn’t. That has been the trend all along. Family bends over backwards to help other family members, only to find out that it cause issues inside the family and causes the ones helping to regret they helped.

Lessons learned? You would think so, but no. That’s the problem with having a generous, helping heart.

Ingratitude. Expectation. Greed. Under-appreciation. Irresponsibility.

It’s cliche, but that phrase “Looking a gift horse in the mouth” actually does mean something.

 

Slaves

hotrod die cast model on board

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We’re all slaves.

Slaves to something. Whether it be an addiction or ideology or habit or whatever, there is something that controls us to some degree. It is inevitable.

Guaranteed you’re a slave to money. So am I.

We all need it to one degree or another. Some of us need it less and some of us need it more but, any way you look at it, we all still need it. We don’t live in a hunter-gatherer society any longer so we obviously live beyond just a subsistence level (those were simpler days, weren’t they?).

So, I was thinking about the fact that we are all slaves today.

Through this whole pandemic thing, I have had to keep asking myself about whom I am willing to be a slave to. I need money, that isn’t an option. Because of that, I have really been questioning which is more important, my job or the government? Essentially, I am asking which am I willing to be a slave to.

Would I rather be a slave to big business or to big government?

Some might argue that they are pretty similar, really, but let’s not get into the weeds of the debate here. Would I rather be at the mercy of big business where, for the most part, there is innovation and some freedom to decide where I want to work OR would I rather be at the mercy of an all powerful government where I have to rely on them for most everything and not question them and there is little to no innovation or freedom of choice?

Business or government? Freedom or oppression?

Now, I am a historian and I know the history. I know big business can be a lot like a government in my ways.

There is always going to be abuse, but at least with business there is always the chance for the little guy to break away and try to make it on his own. Start something new if he doesn’t like the big business or has an idea that could possibly innovate an industry.

But with a government, in most cases, I can’t just pick up and move to a different government if I don’t like it (like I can with a job). Know what I mean? In most cases I am going to be subject to the current government and there isn’t a way for me to break away and say, “Hey, I have a better idea, let’s do it this way!” Thus going about establishing a new government I see fit for me and those who agree with me.

That option doesn’t exist under a government like it does with a business.

Anyway, all this to say, have we let the government(s) go too far with this whole lockdown thing? Which response, meaning what level of government, was appropriate – federal, state, county, city? Whom has abused their powers? The powers WE gave them and that WE may possibly need to fight back to get again?

I feel like I am rambling now. I was hoping to keep this as a short, salient point, but I fear the more I explain it the more confusing it gets.

So, who or what are you willing to be a slave to?

Got away

man s hand in shallow focus and grayscale photography

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I’m late.

Sorry.

The day got away from me. I started working on a project for work and just lost track of time. I supposed that means I won’t Piss and Moan about anything…

Or maybe I will!

Life sucking, or money sucking, family members.

There. How do you feel about that?

There are members of families all over the world that seem to be the parasite, a leech, a blight upon the family. The neediness doesn’t stop and when some people in the family try to stop it, others of the family continue to enable it.

It might be the individual’s fault, or maybe just bad luck (or no luck at all), or maybe they are just the victim of circumstances, doesn’t really matter because they still seem to need something all the time. Want. Need. Whatever. Hand’s always out, looking for something.

“Help.” “Can you lend a hand?” “I was wondering…?” The approach may be different and sometimes it’s even a little veiled to make it look like they aren’t asking for help, but in reality they are. It’s always the same, but different.

Tiring. That’s what it is.

Holier than thou

man wearing hoodie and mask

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Alright, I am sure this will likely irritate people. Do I care, really? Nope. Have I ever given that impression?

I am tired of people complaining about other people “violating” the “stay home, stay healthy” mandate, as though they are holier than other people.

The reality of it all – you can only control you.

If someone wants to violate the mandate (which may or may not be Constitutional), that is their prerogative. Right? If people aren’t going to live in fear but have common sense and try to go about their daily lives as much as possible, that’s on them. That isn’t your concern.

If someone chooses to see their children or grandchildren in the front yard of their home with little or no contact, that isn’t your concern. If they decide to let them in the house and give each other hugs, that still isn’t your concern.

If someone decided they want to work on a new deck (or any other home improvement project) and need to go to Home Depot to get supplies, that isn’t your concern.

If someone wants to go for a drive, or for a walk, or go camping, or go fishing, or fly on an airplane, or sit on a park bench by themselves, or go windsurfing/paddleboarding…none of that is your concern.

If someone doesn’t want to wear gloves, or a face mask in public, not your concern.

Stay home. No one is forcing you to have human interaction. You can only control you.

If you are going to live in fear, stay home. If you want to hunker down and not see the light of day or get fresh air, that’s your choice. If you wanna live in the TV news cycle and hear about all the bad new, or whatever, that’s your call. If you wanna isolate yourself from the world, more power to you. BUT, keep it to yourself. You can’t and shouldn’t try to control others.

You are not the social police nor should you act like one. Don’t be hiding behind the curtains and reporting people because you don’t think they are beings “safe.” Not your call to make.

This looks different for everyone and their needs are different than yours.

You do you. You are only responsible for protecting yourself and how you do that is your choice.

You aren’t responsible to protect other people. That is their responsibility and if they choose not to do it the way you do it, then they are doing themselves the way they see fit.

Don’t forget the whole thing about pointing fingers…yeah, you know what I am talking about.