TOTALLY GEEKED!

Lindley · Guru

What's happened to Wednesday

FNW · Guru

We need rain, too. Not sure we'll get any today.

I think I've caught #2's cold. I have a sore throat.

I know what to do_sometimes · Frozen Sucks!

90's here. Last day of work for my week!

TrudyML · Guru

Muddling through.

FNW · Guru

No! The only thing that should be muddled is a ****tail!

Fort Worth Mom · Mod/Penguin lover/Princess!

I need to get my Jeep inspected.

I don't want to go. cry

TrudyML · Guru

FNW wrote:
No! The only thing that should be muddled is a ****tail!

Can I leave and go have one? Please?

FNW · Guru

Sure! I'll meet you there!

TrudyML · Guru

Then its on! We would be laughing away!

lilyofcourse · My spirit animal is a pink flamingo.

A sunny 77 here, not a cloud in the sky.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

My teenager is killing me. She's 13 and keeps outgrowing all her clothes! STOP!!!!!

Momala · Great cook-happy wife-superb fisherman

Cloudy here - high 70's, and oh so
humid!

I know what to do_sometimes · Frozen Sucks!

Lawyerlady wrote:
My teenager is killing me. She's 13 and keeps outgrowing all her clothes! STOP!!!!!

Mine isn't even a teenager yet and has stopped growing

She has discovered my sock drawer and shoes. We have the same size foot.

lilyofcourse · My spirit animal is a pink flamingo.

I know what to do_sometimes wrote:
Lawyerlady wrote:
My teenager is killing me. She's 13 and keeps outgrowing all her clothes! STOP!!!!!
Mine isn't even a teenager yet and has stopped growing
She has discovered my sock drawer and shoes. We have the same size foot.

I remember those days. Caitlyn, learned to love Capri pants and skirts for a while.

She stopped growing her Freshman year.

The boys on the other hand, well they are still growing.

Jesse is 6'2", Aaron is 6'5", they both grew an inch this last year.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.

I know what to do_sometimes · Frozen Sucks!

Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.

No! She is so petit!

Lindley · Guru

Kids grow out of clothes so fast. Took little man to the pet store to look at rats, mice, lizards and snakes. He loved it! and then out to lunch.

lilyofcourse · My spirit animal is a pink flamingo.

Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.

Caitlyn does, too.

I would shop in ladies or misses, find the right fit, and tack up hem lines.

Caitlyn has a ba-donka-donk and she loves it. So we work around it.

lilyofcourse · My spirit animal is a pink flamingo.

Ordered the cake for mom's BD party.

I have everything done except for the day of prep.

On Saturday I'll pick up the cake, flowers, and balloons.

It should be pretty simple putting everything together.

Mom and Dad are leaving Sunday morning for Hershey Pennsylvania.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

I know what to do_sometimes wrote:
Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.
No! She is so petit!

If she gets my boobs, we are in a LOT of trouble. She is now only an inch shorter than me.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

lilyofcourse wrote:
Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.
Caitlyn does, too.
I would shop in ladies or misses, find the right fit, and tack up hem lines.
Caitlyn has a ba-donka-donk and she loves it. So we work around it.

I'm going to take her to missy petites on Friday and try that.

Our problem isn't the length so much as the fact that her waist is small compared to her hips.

-- Edited by Lawyerlady on Wednesday 27th of September 2017 03:14:27 PM

lilyofcourse · My spirit animal is a pink flamingo.

Lawyerlady wrote:
lilyofcourse wrote:
Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.
Caitlyn does, too.
I would shop in ladies or misses, find the right fit, and tack up hem lines.
Caitlyn has a ba-donka-donk and she loves it. So we work around it.
I'm going to take her to missy petites on Friday and try that.

Our problem isn't the length so much as the fact that her waist is small compared to her hips.

-- Edited by Lawyerlady on Wednesday 27th of September 2017 03:14:27 PM

Find a good tailor. They are priceless.

Caitlyn wore a 4, but her butt was a 6.

So, I get it.

To fit the butt, things were too long.

Tacking at the waist, the hem, saved a lot of money.

jlbear71 · Guru

lilyofcourse wrote:
Ordered the cake for mom's BD party.

I have everything done except for the day of prep.

On Saturday I'll pick up the cake, flowers, and balloons.

It should be pretty simple putting everything together.

Mom and Dad are leaving Sunday morning for Hershey Pennsylvania.

Make sure they bring clothes for cooler weather. Highs will only be 70 and the lows should be in the 40s.

I know what to do_sometimes · Frozen Sucks!

Lawyerlady wrote:
I know what to do_sometimes wrote:
Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.
No! She is so petit!
If she gets my boobs, we are in a LOT of trouble. She is now only an inch shorter than me.

Well at least if she gets your boobs she won't topple over since her butt will be a counter weight. biggrin And man! only an inch shorter? She grew a lot in 2 years.

lilyofcourse · My spirit animal is a pink flamingo.

jlbear71 wrote:
lilyofcourse wrote:
Ordered the cake for mom's BD party.

I have everything done except for the day of prep.

On Saturday I'll pick up the cake, flowers, and balloons.

It should be pretty simple putting everything together.

Mom and Dad are leaving Sunday morning for Hershey Pennsylvania.

Make sure they bring clothes for cooler weather. Highs will only be 70 and the lows should be in the 40s.

Thank you. I'll tell them.

Domestic Engineer · Guru

Do you have any stores that cater to black girls? A friend could find jeans to fit her big booty and small waist by shopping this way.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

Domestic Engineer wrote:
Do you have any stores that cater to black girls? A friend could find jeans to fit her big booty and small waist by shopping this way.

We are going to Stonecrest on Friday. It is the first "official" African American Mall in the country. Also, our closest mall.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

I know what to do_sometimes wrote:
Lawyerlady wrote:
I know what to do_sometimes wrote:
Lawyerlady wrote:
Well, DD13 has J Lo's rump, and finding pants to fit her is becoming a nightmare.
No! She is so petit!
If she gets my boobs, we are in a LOT of trouble. She is now only an inch shorter than me.
Well at least if she gets your boobs she won't topple over since her butt will be a counter weight. And man! only an inch shorter? She grew a lot in 2 years.

Yep. She's a weed.

chef · Guru

Well, my truck has joined DS in the infirmary. We got side-swiped on the way to Bible study. We're fine. Truck is fine. On the way home, my truck stalled out at a major intersection. I called the police first so I could get a cruiser behind me to protect me from traffic then called my insurance's tow service. I got to check 'being pushed by a police cruiser' off my bucket list even though it was never on it. Steering my truck without power steering was difficult but at least I got it to the side of the road.

I had two people pull up behind me and sit even though my flashers were on. The first sat behind me for a good 6 light cycles. The second one pulled up just ahead of the officer and the officer shooed them off.

My FIL suspects that it's my fuel pump.

I know what to do_sometimes · Frozen Sucks!

Who side swiped you chef?

chef · Guru

I know what to do_sometimes wrote:
Who side swiped you chef?

A woman on the freeway. I had just completed a lane change and was watching my mirror because I still had two more lanes to cross to get in line for my exit. She clipped my back right fender with her front left fender. I saw her coming and knew she wasn't going to make it so I went to the left a little bit (not enough to leave the lane) and sped up a bit to try to avoid the collision. I'm just thankful I was able to keep my truck steady and not get pushed into another vehicle. Only a scratch on my truck. DS' car seat will need replaced. Not that I have a truck to put a car seat in anyway since it's in the infirmary.

I'm at the point where all I can do is laugh. 2017 has been kicking us since June. I'm excited to see what else is in store for us. Maybe I'll check a few more unlisted things off my bucket list.

Question for you or anyone who can give some advice. DH and I are using this time to pay off all debt and get a good amount in savings. We want to work with a mortgage officer to get in prime position for buying a home in spring of next year. Considering that my truck is 16 years old and we need a second car anyway, we're kicking around finding an inexpensive vehicle to buy. Would taking on an auto loan be a bad idea knowing that we will be applying for a home loan in about 7 months? By the time we apply for the home loan, the auto loan should be our only debt.

Fort Worth Mom · Mod/Penguin lover/Princess!

chef wrote:
I know what to do_sometimes wrote:
Who side swiped you chef?
A woman on the freeway. I had just completed a lane change and was watching my mirror because I still had two more lanes to cross to get in line for my exit. She clipped my back right fender with her front left fender. I saw her coming and knew she wasn't going to make it so I went to the left a little bit (not enough to leave the lane) and sped up a bit to try to avoid the collision. I'm just thankful I was able to keep my truck steady and not get pushed into another vehicle. Only a scratch on my truck. DS' car seat will need replaced. Not that I have a truck to put a car seat in anyway since it's in the infirmary.
I'm at the point where all I can do is laugh. 2017 has been kicking us since June. I'm excited to see what else is in store for us. Maybe I'll check a few more unlisted things off my bucket list.
Question for you or anyone who can give some advice. DH and I are using this time to pay off all debt and get a good amount in savings. We want to work with a mortgage officer to get in prime position for buying a home in spring of next year. Considering that my truck is 16 years old and we need a second car anyway, we're kicking around finding an inexpensive vehicle to buy. Would taking on an auto loan be a bad idea knowing that we will be applying for a home loan in about 7 months? By the time we apply for the home loan, the auto loan should be our only debt.

chef, my advice comes from a conservative type person. Not a banking expert.

I would hold off until after you close on the house, to take on an auto loan.

(If you've made it this long with one vehicle...try to hang in a few more months.) smile

If you owe more than a year of payments on the car, it will count against what you are able to borrow for the house. (This is how it used to be. Things may have changed.)

I'm sure some of our Geeks might have more up to date advice. wink

I would pay off all debt, and save like crazy.

But, that's just me.

Best of luck! smile

I know what to do_sometimes · Frozen Sucks!

chef wrote:
I know what to do_sometimes wrote:
Who side swiped you chef?
A woman on the freeway. I had just completed a lane change and was watching my mirror because I still had two more lanes to cross to get in line for my exit. She clipped my back right fender with her front left fender. I saw her coming and knew she wasn't going to make it so I went to the left a little bit (not enough to leave the lane) and sped up a bit to try to avoid the collision. I'm just thankful I was able to keep my truck steady and not get pushed into another vehicle. Only a scratch on my truck. DS' car seat will need replaced. Not that I have a truck to put a car seat in anyway since it's in the infirmary.
I'm at the point where all I can do is laugh. 2017 has been kicking us since June. I'm excited to see what else is in store for us. Maybe I'll check a few more unlisted things off my bucket list.
Question for you or anyone who can give some advice. DH and I are using this time to pay off all debt and get a good amount in savings. We want to work with a mortgage officer to get in prime position for buying a home in spring of next year. Considering that my truck is 16 years old and we need a second car anyway, we're kicking around finding an inexpensive vehicle to buy. Would taking on an auto loan be a bad idea knowing that we will be applying for a home loan in about 7 months? By the time we apply for the home loan, the auto loan should be our only debt.

So usually not a good idea to take on more debt when going for a mortgage. BUT it depends on your debt to income ratio. It would be a good idea to consult your bank now to calculate what that ratio is now and what it would be if you bought a car. Doesn't matter if they are the entity you will use for a mortgage, just a good heading check.

BTW you guys are doing great!

chef · Guru

Thanks for the advice :)

I just want us to be in the best position when we do buy. Definitely don't want to misstep when it comes to a home loan. What all can the bank do without actually checking our credit? I know credit inquiries can hurt our score.

I have no experience with auto loans. I paid cash for my truck 16 years ago. Still have the amount imprinted on my memory too - $25,245.

Fort Worth Mom · Mod/Penguin lover/Princess!

chef wrote:
Thanks for the advice :)

I just want us to be in the best position when we do buy. Definitely don't want to misstep when it comes to a home loan. What all can the bank do without actually checking our credit? I know credit inquiries can hurt our score.

I have no experience with auto loans. I paid cash for my truck 16 years ago. Still have the amount imprinted on my memory too - $25,245.

chef, there are ways you can get an idea of what you can afford, without even talking to the bank.

Try running your numbers through one of the online calculators. (Here is an example of one that I found. I'm sure there are several. https://www.nerdwallet.com/mortgages/how-much-house-can-i-afford

Just an idea. smile

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

chef wrote:
Thanks for the advice :)

I just want us to be in the best position when we do buy. Definitely don't want to misstep when it comes to a home loan. What all can the bank do without actually checking our credit? I know credit inquiries can hurt our score.

I have no experience with auto loans. I paid cash for my truck 16 years ago. Still have the amount imprinted on my memory too - $25,245.

Keep your total debt to income ratio around 38%. That is house payment, including property taxes and insurance, auto loan, minimum payments on credit cards, student loan payments. It doesn't include utilities, food, income taxes, etc.

So, if you have a combined gross monthly income of $5000, your monthly debt service should be no more than $1900.00 (38% of $5000). If your auto loan is about $400 a month, and you have no other debt, you'd be able to afford a $1500 house payment that includes taxes and insurance (and mortgage insurance if required).

If you have really good credit, they may let you go above that 38% limit, but then interest rates start going up, too.

chef · Guru

All good to know. Thanks :)

I know what to do_sometimes · Frozen Sucks!

Can I just say GO CHEF? She is one smart lady.

chef · Guru

Aww thanks :)