Current Events
Apparently, I'm blogging again.
Big doin's today in the ChipSitz household. Not all good, unfortunately. We'll start with the bad news.
Today as I was digging up documents to apply for a loan, I checked my bank account balance online and discovered that some knucklehead has kidnapped my debit card number and charged over $3500. All in the past two days. Around $750 in pre-paid phone cars and online subscriptions (read: porn) and the rest in-- get this-- gemstones! So maybe he's (perhaps I shouldn't assume it is a "he") is dialing up the online ladies and then buying them jewelry?
I'm not in panic mode yet. Brien at my local branch of my bank was aghast and immediately freezed my account. He swears that the bank will have the funds back in my account on Thursday and then investigate from there. Ah... credit card fraud. I just have to trust that things will work out. Otherwise, I'd be hurling my dinner right now.
A warning to any of my NOLA friends who may still be reading my blog: Do NOT keep your SBA loan $ in your debit card account. Thank GOODNESS, I transferred $4000 of it to my savings account and used another $4000 to pay down some credit cards. Otherwise, Mr. Lucky Bling-Bling might have drained me of $8000 more.
That being said, the good news is that I've been preapproved for a home loan of $120K with a 5% down payment. I had NO idea that all this could happen so quickly! I've been emailing back & forth with a real estate agent, and she seems to be "getting" my taste (slowly). It may very well be that I won't have to find temporary housing while I look for a place. If things slow down, Jas & I can live with his family for a wee bit while we close on something.
This will be my house, though. At least for now. If I'd needed help securing a loan, Jas would have gone in with me, but seeing that I can get one myself, it seems like a better idea to not make this investment together. Should we permanent-ize the relationship some day, we can change stuff as need be.
Discovered today that Louisville is #7 on America's Most Livable Large Cities. That makes me happy. Any city that produced Maker's Mark, Muhammad Ali, Hunter S. Thompson, Bob Edwards, Diane Sawyers, Johnny Depp, Ned Beatty, and WC Handy can't be all bad. Okay, it produced Tom Cruise, too... I'll just have to believe that that's a hiccough.
If anyone has any advice about buying a home, let me know. I know NOTHING, and I have to admit I don't even know what questions to ask this mortgage guy. He just seems so nice... I'm afraid I'm being a sucker. But the interest seems good, and the fees are acceptable... Anyway, let me know.
I've had too much coffee and it's 9:30pm. I should go home and decompress.
Big doin's today in the ChipSitz household. Not all good, unfortunately. We'll start with the bad news.
Today as I was digging up documents to apply for a loan, I checked my bank account balance online and discovered that some knucklehead has kidnapped my debit card number and charged over $3500. All in the past two days. Around $750 in pre-paid phone cars and online subscriptions (read: porn) and the rest in-- get this-- gemstones! So maybe he's (perhaps I shouldn't assume it is a "he") is dialing up the online ladies and then buying them jewelry?
I'm not in panic mode yet. Brien at my local branch of my bank was aghast and immediately freezed my account. He swears that the bank will have the funds back in my account on Thursday and then investigate from there. Ah... credit card fraud. I just have to trust that things will work out. Otherwise, I'd be hurling my dinner right now.
A warning to any of my NOLA friends who may still be reading my blog: Do NOT keep your SBA loan $ in your debit card account. Thank GOODNESS, I transferred $4000 of it to my savings account and used another $4000 to pay down some credit cards. Otherwise, Mr. Lucky Bling-Bling might have drained me of $8000 more.
That being said, the good news is that I've been preapproved for a home loan of $120K with a 5% down payment. I had NO idea that all this could happen so quickly! I've been emailing back & forth with a real estate agent, and she seems to be "getting" my taste (slowly). It may very well be that I won't have to find temporary housing while I look for a place. If things slow down, Jas & I can live with his family for a wee bit while we close on something.
This will be my house, though. At least for now. If I'd needed help securing a loan, Jas would have gone in with me, but seeing that I can get one myself, it seems like a better idea to not make this investment together. Should we permanent-ize the relationship some day, we can change stuff as need be.
Discovered today that Louisville is #7 on America's Most Livable Large Cities. That makes me happy. Any city that produced Maker's Mark, Muhammad Ali, Hunter S. Thompson, Bob Edwards, Diane Sawyers, Johnny Depp, Ned Beatty, and WC Handy can't be all bad. Okay, it produced Tom Cruise, too... I'll just have to believe that that's a hiccough.
If anyone has any advice about buying a home, let me know. I know NOTHING, and I have to admit I don't even know what questions to ask this mortgage guy. He just seems so nice... I'm afraid I'm being a sucker. But the interest seems good, and the fees are acceptable... Anyway, let me know.
I've had too much coffee and it's 9:30pm. I should go home and decompress.
posted by M at 7:23 PM
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