Hi buddy! He's a good boy! :)

the kids and I have matching colds and I feel nauseous.
So, I'll say 'stomach' for 200.

First your shoulder, now your stomach.

make up your mind!

Maybe it's all in his mind.

Yeah, I'm running out of available spots.:(

Liars suck.

What now S?

Marsellus Wallace: What now? I'll tell you what now...

--Pulp Fiction

Any progress? :(

I just talked to my boss. She's cutting my overtime. Can't do it any more. It was just a few hours a week, but it added up. This will be about a 5-10% cut in income. :(

I guess the up side is that I'll have a little more time with my family.

Sorry glatt. :(

Today: I had a disagreement with a friend, and I miss her, but she won't talk to me and there is nothing I can do to make it better. I don't even know if she's doing OK right now, and it really really sucks. :sniff:

Will you give them a discounted OT rate since they are family? I'm not certain they'll help you make up that shortfall.

Actually, it will be full OT rate to the family. OT kicks in after 40 hours in a week, and I'm with them for over 100 hours a week. I should charge them double time. Although I'm asleep on the job for much of that time.

hormones

Lonely, widowed parents. And not a damn thing you can do for them.

*hugs Pie* oh honey. That's no fun.

Says here they sold my repo'd car at auction for $14,200.

It was a $25k car with 10K miles on it, I could have gotten better than that with a hand-written "for sale" sign in a supermarket parking lot.

It means I now currently owe Nissan $10,229.17.

It's 100% my fault, I just hope they accept a 5-year plan on this debt.

I wish somebody would steal my identity. The joke would be on them, they'd be fucked!

you wouldn't have been able to produce a title unless you paid the remainder of the loan off, though.

that sucks, T. I don't know what they'll accept as far as repayment terms go. You'd have been better off if it had been stolen.

Damn UT, are you serious? :(

That really sucks. I had no idea that repossession worked that way, but I suppose it makes sense.

Uh, you might want to consider a BK toad. It sounds like your situation is pretty well screwed, you don't need to be paying for stuff you couldn't afford to keep. At least doing that will seal off the unpaid debt with a clean break.

What's a bk toad? *scrating head*

"a bankruptcy, Undertoad."

I thought it was the new Burger King sandwich.

mmm. Extra tartar sauce please.

sore throat.

hungry? have it your way

It is toad mating season, after all.

bwahahahahaa.

Thanks clod. I'm such a dufus sometimes. :o

:mg: :biglaugha

NEW HACK IDEA! Instead of being an identity thief you could be an identity pusher. Force an identity on someone and watch em crawl. Maybe make a movie. Oh my gosh... what am I thinking?
A book? mmm.. mebbee. :eyebrow:

UT, I'm sorry about the mess with your car. What a pain in the BUTT!

Lumberjim, the sandwich picture made me LOL. Nicely done!

I'm upset because this bloody headache is not responding to painkillers and I'm STILL dizzy and nauseated (although the blurred vision has gone away, thank the gods)

lie down and stop looking at a computer screen.

;) I was. Til my alarm clock went off. Then I got up, dropped in here to say good morning, and am about to go run errands til it's time for PT. Have a great day!

you're not taking care of yourself...... rule #1 :p

Roto Rooter is going to get a significant portion of my savings today.

Ugh.

And my ears are ringing from lack of sleep. I keep having horrible nightmares and wake up. It's not worth it to go back to sleep just to be tortured by vampires.

That's actually a very interesting idea. Sounds like something I'd come up with, and then never follow up on.

Red tape. Ugh.

Yea, but how much money would it cost you to change all that letter head and Id's and everything with your money in it? All the while some homeless guy who use to make 50k goes without a meal.

See, now those are the kinds of dreams I like. Vivid, scary and lots of vampires.

Bruce has the whole batboy motif going on today.

Oh, and ha ha on the sig line. :blush:

It wasn't a sexy vampire - I would like that kind, too - it was a murderous female vampire and I was really afraid of her.

Oh, rats. Just had another email forward that makes me sad: this one on behalf of a woman losing a battle with cancer and must find a home for her Samoyeds. Saw the photo and they're beautiful, but I cannot adopt any. :(
If anyone is in the Atlanta, GA area and wants the info then PM me. I'd love to post a followup message in the happy thread.

Use your light manipulating superpowers to turn it yellow, and get on with your day. :D

Unfortunately, the Power of the Light is no match for the Dark Side of the Force.
(Search your feelings, you know it is true.)

Father meets son. Death ensues.

Stupid credit card companies and the shit they get away with. You'd be better off borrowing money from a friggin' loan shark.

No you wouldn't. Trust me.

How are those kneecaps healing up, Dana?

Oh y'know...sudden cold weather's fun as always :P

I've lived - and once I'd got back to the world of Normal, worked - in communities where formal lines of credit simply do not exist. There are door to door credit companies operating on the estates in the area I represent, the levels of interest are shocking. These people exist from one £200 loan to the next, and once that credit line is established it is pretty much a permanent fixture.

They are 'legitimate' but their methods aren't always above board. Their agents are self-employed and not vetted. Threats of physical violence are commonplace.

A local largescale landlord got tired of the amount of rent-debt on his books. People were falling behind, not dealing with it and he's left with the choice of evicting them and losing what's owed and the fallow period in between tenants, or letting them run up further debt. He outsourced his debt collection to a private debt collection agency. One guy I know was told if he didn;t come up with £500 by the end of the week someone would come round and "put an axe in [his] missus' cunt".

'Credit' means something very different to the underclass.

CC cos may not threaten you in that particular way, but they do threaten you, and the way they jack up the % rate, even if you are always on time and then miss paying by one day, and get away with charging exhorbitant fees for all kinds of things. It really is a racket. I don't have CCs anymore. I cut mine up years ago. But I've been trying to help a couple of people I know with theirs. One person has been harrassed like you would not believe, and the CC co is wrong about her payments being late or missed. Her bank statements prove it. Do you think they care, or that they have been willing to do anything about reversing the charges and % rate? that would be a resounding NO.

of course not - thats how they make their money. If you pay on time every time and carry no balance then they are LOSING money on you (well me) They are not in the business to lose money.
If you are not making regular payments or are consistently late they are aware that they are probably going to get stuck for all the money they lent you. They jack up the rates hoping to get as much as they can.
I hate it and had it done to me years ago, but thats their justification. Remember, They are not your friends.

No they aren't. My point in comparing them to loan sharks, is that they ARE loan sharks. The practices they use should be illegal.

Charging higher risk borrowers higher rates should be illegal? Calling delinquent borrowers for payment? What exactly are they doing that should be illegal?

If they really are playing outside the lines it should be fairly simple to remedy.

If you go to the supermarket checkout and don't have enough money because you picked up too much stuff, they should lower the prices and throw in some free stuff too... and green stamps. :rolleyes:

That's not what I'm saying. Of course people have a right to collect the money that is owed to them. But CC cos will raise your % rate even if you haven't paid late or missed a payment. They will do it for NO REASON at all. And charging 49.9%? Why would that be legal at all? Regardless of of whether you paid late or not?

Then you, as a quality consumer, have the option to go to another company. Simple solution. FWIW, this has never happened to me. In fact the companies I have dealt with have raised my credit and never has my rate been increased.

Insomnia sucks. I do not deal well with stress.