Full Version: Annoyances
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| QUOTE (Ron Johnson @ Apr 21 2005, 02:27 PM) | ||
yeah, and that is like whey uncool. |
Brasseries that serve shrimp and grits.
"You know what I use this for, wise guy?"
self-flagellation, I hope.
| QUOTE (Ron Johnson @ Apr 21 2005, 02:50 PM) |
| self-flagellation |
Is that what 'whipping the cheese' really means?
Right, it's Flay's patented cellulite removal flogging system.
"Yeah, that's what he told me. But I don't know..."
People who think the metal detector line is a show and tell platform. Hence, they load up on every metal object they can wear or carry before entering said line. Then they slowly remove each individual item like they were doing a strip tease.
The office vending machine has been out of Twix bars for at least a week and Skittles are a very poor second choice.
Mmm, and I found no little choc chip cookies this morning when I went to correct my blood sugar. Had to settle for some kind of American version of jammy dodgers instead.
| QUOTE (hollywood @ Apr 22 2005, 11:06 AM) |
| People who think the metal detector line is a show and tell platform. Hence, they load up on every metal object they can wear or carry before entering said line. Then they slowly remove each individual item like they were doing a strip tease. |
That's it!!! God, it drives me nuts. I actually asked one gentleman in front of me why he thought it necessary to bring every single metal object he owned to the courthouse. Then there was the guy who had 70 or 80 bucks in change in his pockets. Why?
Is it just me? I cannot stand the sound of a person chewing ice. The person next to me is doing it currently and as a result, my headphones are on full blast.
Chewing ice, chewing gum, slurping their soup, smacking their lips. I want to slap each and every one of them.
When I was young, We were not allowed to chew gum in public; my mother only let us do it on long car trips.
And I'd like to sever the toes of everyone who clips their nails in public. 
| QUOTE (MyKong @ Apr 22 2005, 04:16 PM) |
| When I was young, We were not allowed to chew gum in public; my mother only let us do it on long car trips. |
Me too--in the car and on planes during take-off so our ears wouldn't pop.
| QUOTE (Daisy @ Apr 22 2005, 02:20 PM) | ||
Me too--in the car and on planes during take-off so our ears wouldn't pop. |
loooogzhoory!
we had to share a piece of broken glass
(okay, i'll stop with the 60s comedy references)
| QUOTE (Liza @ Apr 22 2005, 04:20 PM) |
| And I'd like to sever the toes of everyone who clips their nails in public. |
Especially on the subway.
I mean really, unless you have a hangnail emergency, can't it wait until you get home?
Even if you have a hangnail emergency, it can wait.
And do you really have top put on mascara and CURL your eyelashes on the subway???
At least that's soundless.
And they're not driving the darn thing.
And they're not driving the darn thing.
| QUOTE (mongo_jones @ Apr 22 2005, 04:26 PM) |
| loooogzhoory! we had to share a piece of broken glass (okay, i'll stop with the 60s comedy references) |
Aw. Remember that old eG thread?
Thursday: computer froze due to a virus.
Friday: air conditioner died due to old age.
Saturday: dishwasher locked shut due to shoddy manufacturing (has happened twice before).
Sunday: I avoided all technology whatsoever.
Friday: air conditioner died due to old age.
Saturday: dishwasher locked shut due to shoddy manufacturing (has happened twice before).
Sunday: I avoided all technology whatsoever.
One of my biggest pet peeves is stores who purposely misspell words beginning with "C" and instead substitute a "K". This should be illegal.
I passed a Hawaiian furniture store in Venice yesterday and they had a painted sign up advertising "Kustom Furniture."
Why do they think that this sort of shit is funny or cute?
I passed a Hawaiian furniture store in Venice yesterday and they had a painted sign up advertising "Kustom Furniture."
Why do they think that this sort of shit is funny or cute?
| QUOTE (Aaron T @ Apr 25 2005, 08:21 PM) |
| One of my biggest pet peeves is stores who purposely misspell words beginning with "C" and instead substitute a "K". This should be illegal. I passed a Hawaiian furniture store in Venice yesterday and they had a painted sign up advertising "Kustom Furniture." Why do they think that this sort of shit is funny or cute? |
It could be as simple as the Hawaiian connection. K's are very prevalent in their language.
| QUOTE (Rose @ Apr 25 2005, 05:26 PM) | ||
It could be as simple as the Hawaiian connection. K's are very prevalent in their language. |
Thanks Rose, that is an explanation that never would have occurred to me. Perhaps I can forgive this one particular instance.
But I still do not like it in general. I have seen haircutting places called xxx Kuts. Yech. Also those extra Ks remind me of the Klan...
Fortunately, the Klan does not have a monopoly on K. There are Circle K markets and (when I was younger) K Orange soft drink (better than Nehi). And in times past, folks in the industry used to speak of K's. Is it now M's?
managed to delete ALL the songs on my iPod by trying to add 3 albums. Balls.
Getting ready for breakfast yesterday morning and realizing I'd forgotten to take a box of matzah from my parents. I don't know what annoyed me more--having to run to the supermarket so I could have breakfast or not noticing the lack of matzah from Sunday afternoon until then.
Arriving home from JFK and noticing that my new battery operated toothbrush and my fully charged cellphone were dead, dead, dead. Anyone have an idea why this happened? Metal detection?
Nose-butted by my own toddler. Ouch.
HIPAA training. (Confidentiality of patient data: good. Implementation: shite.) Internet training course written by morons. Pages and pages of legaleze followed by a quiz. After the first section I realize that the quiz was designed for morons. So I skim subsequent sections and get nannying little messages saying that I haven't spent long enough on it and they'll tell my supervisor. Ignore warnings and still score 100%.
| QUOTE (Rose @ Apr 26 2005, 03:15 PM) |
| Arriving home from JFK and noticing that my new battery operated toothbrush and my fully charged cellphone were dead, dead, dead. Anyone have an idea why this happened? Metal detection? |
Seems pretty obvious. The luggage searchers used the phone to find a date and the toothbrush to get ready for it.
Sears.
$225 for a repair man to come out and replace a $30 part. (And he charged $90 for the part he told me I could have bought for $30.)
$225 for a repair man to come out and replace a $30 part. (And he charged $90 for the part he told me I could have bought for $30.)
Accountant wants large fee to advise me on a refinancing manoeuvre. What if he advises against it? No refinancing plus bill from accountant. 
| QUOTE (Wilfrid @ Apr 28 2005, 03:13 PM) |
| Accountant wants large fee to advise me on a refinancing manoeuvre. What if he advises against it? No refinancing plus bill from accountant. |
You can make the determination yourself, I'd guess. Just don't get involved with any mortgage broker. I shudder at the thought.
| QUOTE (Wilfrid @ Apr 28 2005, 03:13 PM) |
| Accountant wants large fee to advise me on a refinancing manoeuvre. What if he advises against it? No refinancing plus bill from accountant. |
Divide closing costs by amount you save per annum. If you plan on staying in the same appartment for longer, do it. Or am I being naive?
The answer is 00.41. I take it that's a good result, unless I plan to move in a couple of weeks?
Rule of thumb for a fixed rate mortgage used to be that it was worth refi-ing if the rate was 2% less than you were paying.
If you plan on moving, an ARM with low starting rate is the way to go.
If you plan on moving, an ARM with low starting rate is the way to go.
Whatever you do don't take out equity unless it's for renovating, just reduce your monthly.
I don't plan on moving, so I probably don't need to know what an ARM is. I can get my rate down from 7% to just over 5%, with the additional attraction of reduced monthly outgoings for the first five years. It is reducing my monthly that appeals, so I think that's okay.
ARM=Adjustable Rate Mortgage (usually based on an Index) have starting rates that are very low but then rise and since rates are going up.....
You should try to determine how long you plan to stay in your space because 7% to just above 5% is borderline.
Shop around.
(That'll be $150 please)
You should try to determine how long you plan to stay in your space because 7% to just above 5% is borderline.
Shop around.
(That'll be $150 please)
| QUOTE (Wilfrid @ Apr 28 2005, 03:23 PM) |
| The answer is 00.41. I take it that's a good result, unless I plan to move in a couple of weeks? |
You'll begin making a profit in 5 months. On the other hand, refinancing is a pain -- they'll want tax returns for the past few years, bank statements, proof of visa status and a lien on your first born. And be pleased you have a short name because you'll be signing it a lot*.
* If the beloved is also on the mortgage take her to the closing, otherwise you'll be signing for her too, and signing a note each time to say that you're signing for her. Yes, I have done this recently.
| QUOTE (Rose @ Apr 28 2005, 03:45 PM) |
| You should try to determine how long you plan to stay in your space because 7% to just above 5% is borderline. |
Really? I assumed that if you could pay of the closing costs in a few months there's little to lose. But I'm financially challenged.
You're right and I'm sure not at all financially challenged, but it's just that we don't know the term for either loan, and if he has received a "good faith estimate" of the closing costs yet because they tend to really surprise you even if you think you know what they are....... so I went by rule of thumb which is two points difference.
There are dozens of choices of different kinds of loans out there also.
Your caveats about the closing are certainly right.
There are dozens of choices of different kinds of loans out there also.
Your caveats about the closing are certainly right.
Yes, I am concerned about the closing costs, because the bank seriously underestimated them last time. There doesn't seem to be any way to prevent this.
| QUOTE (Wilfrid @ Apr 28 2005, 01:37 PM) |
| Yes, I am concerned about the closing costs, because the bank seriously underestimated them last time. There doesn't seem to be any way to prevent this. |
I think they are supposed to give you an estimate (that's relatively accurate). Bear in mind that as you lower your interest rate, you also deplete a tax deduction. In terms of closing costs, points are deductible (tho maybe over the life of the loan as opposed to all at once) whereas most costs on loans are nondeductible. So, it might be worth paying a few points to get a lower rate--again taking into account how long you may be in the place after getting the loan.
i am retracting snow on april 28 as a reason to be cheerful. it fucking snowed all day long and we just got home from dinner after a scary slow-motion drive through a mini-blizzard.
This.
Got home from the arthroscopy, had to spend an extra day because I opted to take a spinal so I was able to watch the procedure. Come home, and slipped on ice and busted my ass. Can agree with Mr. Mongo that this shit is getting weird. Weatherfreak said this has not happened since 1966. Hello afteraffects of tsunami. 
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