I hit the idiot wall again today and yes, it means I called Countrywide home retention department again. This time, the guy told me to get a second job or rent a room of my house. I hung up and called Countrywide refinance department this time. Since the interest rate on my mortgage is low to begin with and since I would have to pay PMI, it seems the payment will not go down at all, but will go up in most cases if I try to refinance at 30 year fixed rate with them.
I have an appointment on Monday with the mortgage broker I’ve been talking to. I have a bad taste in my mouth already about the appointment because their company policy requires people to come in to get the quotes — they would not give me any other information over the phone or fax or email other than that they have an offer for me. I have a feeling I’ll walk out disgusted. It doesn’t look good.
Anyways… Now I have a favor to ask of everybody who reads this. As you know, I need money. No, I’m not asking you to give me money. I just need you to cross lots of fingers and legs and toes, etc for a speedy and hopefully large law suit settlement. Some of you know I’m suing somebody for running the light and crashing into the side of my car, which was being driven by my friend at that time. As a result, I was in physical therapy for several months and had my right shoulder operated on. According to my friend, who sat through the defendant’s deposition because the defendant’s insurance company sued my friend in turn and he had to give deposition after the defendant’s, my lawyer and my friend’s lawyer (actually the lawyer from the insurance company who my car was insured with at that time) were extremely pleasantly shocked that the defendant virtually admitted it was his fault by answering, “I don’t know” to questions such as “Was the light red or green?” and “Which lane were you driving on?” and so on. In any case, everybody thinks I’ll get some money. The question is how much and how soon. My friend asked his lawyer how much she thought I’d get and she answered “maybe about twenty thousand,” but told him that she really didn’t know and not to relay it to me. If I do get about twenty thousand, after my lawyers get their one third, I would have enough to pay off some credit card debts enough to reduce the monthly payment by $300. Of course, I would like it to be much more so that I can get a little bit of breathing room.
So I beg you. Please keep everything crossed and send some good speedy settlement vibes my way.
A couple of coworkers and I ordered Chinese food to be delivered for lunch today at work. When the delivery guy called me at my desk asking me to come downstairs, I immediately grabbed my wallet and ran 2 flights down to the second floor where there is a security guard station. The guy wasn’t there. I asked the guard. No, he has not seen any Chinese delivery guy. Since the building is on a hill, there is a lobby on the first floor, and I ran down another flight. There was nobody there. I ran up to the second floor again, muttering curse words to myself. Still nobody. I ran down the hall and went outside the building. Still no Chinese delivery guy. Cursing out loud, I ran downstairs again and outside the building. Nobody there. Cursing really loud now, I ran upstairs to the second floor again and this Chinese guy started yelling at me “I saw you go upstairs! I saw you go upstairs! I double-parked outside and I saw you go upstairs!!!”
Uhh… what the fuck?
I proceeded to tell him I did NOT go upstairs, I went downstairs to look for him because he wasn’t there. He kept yelling “I saw you go upstairs! I saw you go upstairs!! I double-parked outside!” I was losing patience, which I don’t really have much in the first place, and started yelling back at him, “You were NOT here, so I went downstairs to see if you were downstairs!” And he proceeded to tell me, “I told you second floor! I told you second floor! I saw you go upstairs!”, to which I yelled back “No, you didn’t tell me you were on the second floor, you were not even in the fucking building!”, to which he STILL yelled at me, “I saw you go upstairs! I double-parked outside! I saw you go upstairs!”
Well, so I had a shouting match with a stupid idiot with temper for a few minutes. Some people are just too fucking stupid to be walking around and mixing with other people because his tip? 80 cents. Not that I WANTED to give him 80 cents, but I didn’t have the exact change. I did think about calling the place and raising hell and secured witnesses – the guard and two other delivery guys waiting at the time. Lucky for the idiot, my coworkers entreated me to let it go, he might lose his job (which I couldn’t care less about), it’s holiday season, have a heart, they will go downstairs to meet the delivery people from now on. So there goes another Chinese take-out place. I have to say, I’m running out of Chinese take-out places to order from.
The moral of the story? Always make OTHER people to do the ordering and picking up the food for you.
Yes, you in the blue Chrysler Town & Country with the license plate that says “CLST MKR” inside the plate frame that says “Closets N More”.
You with two stickers on your rear windshield, one of a picture of a Schnauzer, another of the New York Yankees’ interlocking NY logo.
Yes, you, who were driving on the westbound Long Island Expressway this RAINY morning during rush hour on the leftmost lane, conversing with your friend on the next lane through the open windows, who by the way, squeezed dangerously in and out of the lanes with no regards to other drivers just to flag you down.
Yes, you. You are a fucking idiot. Please share this message with your friend.
Today’s traffic wasn’t that bad, ‘I might actually get to work on time today’, I thought, sitting in my car waiting for the cars to move forward on Long Island Expressway around exit 41S. The car in front of me started moving when I heard the sound of a crash behind me, BOOM! I saw through the rear view mirror a white SUV jerking forward a few cars behind me, and I heard the subsequent series of a car bumping into another one coming closer and closer while I looked for a way out, slowly moving forward following the car in front of me. There was no way out. The next boom was the sound of my car getting hit. I was rear ended. The car in front of me escaped this 5-car pile up and my car was in the front of the pile up. ‘Crud. I should have passed that car when I had the chance’, I thought looking longingly at the rear of the car driving away from me, since then I would have escaped this accident.
It’s a pretty funny feeling knowing that I’m going to be in an accident a few seconds ahead, see it and hear it coming, but there is nothing I can do to avoid it. That kinda shook me up. And I sat there shaking for a couple of minutes. Fortunately I’m not hurt, no bumps, no whiplash, no nothing, my head didn’t even jerk. The only thing messed up is the rear bumper of my car, which is bent a little – my car being a Jeep Wrangler, the front part of the car behind me looked pathetic having said hello to my Wrangler’s steel bumper. Other than the bent bumper, there is not one scratch as the result of this accident.
The idiot who started the pile up obviously wasn’t paying attention since there was no excuse for it – there was no hard break involved. I didn’t even get a good look at the idiot or his car since the cops showed up surprisingly fast and directed everybody to stay in the car. Now I’m left with the hassle of going to the police precinct and pay $10 to get the accident report, and contacting the idiot’s insurance company next week and getting the bumper fixed.
I need a vacation.
Serious Stuff. Seriously
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