So, in fine greedy Republican form (ironic since I’m not registered Republican), I’m going to pimp my newest venture here on my site.
I am now offering FREE blog accounts to anyone who wants one. The free accounts are on my new site, http://thejournalcafe.com where you can get your own WordPress site, configured with the theme of your choice, absolutely free… no catch. The address would look something like this: http://incrediIncredipete.thejournalcafe.com.
If you’re an uber-blogger, and you want to have your OWN domain, like http://thecompassionateconservative.net, you can also get that by going to http://incredipedrohosting.com. A WordPress site with your own domain will only cost you $14.95 a year. That just covers the cost of domain registration. Check out two of the latest converts: http://warcrygirl.com and http://yeahimadork.com. If you’re on blogger or moveable type, WordPress will even automatically import your old entries and comments!
Now I’m going to bash a company by name. Quicken Loans.
Disclaimer: The opinions about to be expressed are those of an angry individual who was clearly screwed by the Quicken and not necessarily the views of Quicken or its affiliates.
Let me vaguely set the stage, without divulging too much personal financial information. I have debt. (who doesn’t). In 11 months, I’m receiving a check for which I worked for nearly 10 years, and has finally… for lack of a better term… “matured.” The check I’ll be receiving is about 4 times the amount of my total debt, so needless to say, in 11 months I’ll be paying everything off.
In the meantime, it’s been tight around the edges. It’s not as if I’m missing any payments to anyone, but I’m having to eat less steak than I would like. That makes me unhappy, especially given the temporary nature of the situation.
So, about 2 months ago, I approached Quicken Loans about getting a home equity loan to roll the debt into, which would have freed up a lot of cash over the next 11 months. During the initial call, the representative asked me how much my home was worth. The number was right at the tip of my tongue, because I’d just received a comparative appraisal in the mail. She pulled up my address, and proceeded to inform me that my home was actually worth 30k more than I had just told her, and that they could “definitely get me approved.”
I went through COUNTLESS hoops, providing all sorts of documents, information, etc… typical of any home loan one might get. I also paid the 500$ in fees associated with the loan.
My home was given a full appraisal, including a walk-through. The value of them home? EXACTLY the amount I had TOLD her during the first phone call. “Sorry, we can’t give you a loan…”
WHAT? I Fricking TOLD YOU how much the FRICKING HOUSE was worth! I only need a loan for the amount that my equity ACTUALLY COVERS. I don’t need an extra 10k.
“Sorry, sir. The loan program you applied for does not allow you to go below 10k MORE than what you need.”
WHAT? So you knew how much my house was worth, knew how much I needed, and then put me in for a loan that was for 10k more than I needed, and then denied me because my home wasn’t worth 30k more than I told you it was? Have I heard you correctly?
“Yes, sir. I’m very sorry we can’t help you.”
VERY SORRY? You know, I came to you because cash was tight, and you SCAMMED me out of 500$. I don’t really see how this helped anyone but YOUR sleazy company!
So, there is my story of Quicken Loans. If you ever have an opportunity to work with them, I suggest you go talk to US Bank instead, because US Bank is actually a reputable bank who will not scam you out of fees and then tell you to take a hike.
I’m in the process of “working up the line” with the Quicken folks. I expect to get my 500$ back right around the time the sun burns out and falls into the ocean.
And on to a bit of a personal update. I’m no longer sick. I had several tests done at the doctor last week, and so far, they’ve all come back normal. Good news, since it means I don’t have anything scary like cancer, ulcerative colitis, or Krohn’s. Bad news, since I have symptoms which have not yet been explained. I’ll spare you the details. Regardless, I’m relieved that it isn’t anything major or life-threatening.
Tonight I start school, as does Jenna. While she sits in her Furniture Antiquities class, I’ll be in my Forecasting Theory class. What fun. I bought my books on half.com, which incidentally is a MUST-use site for any student. I got 400$ worth of books for 78$. God bless America.
Two weeks ago, I ran my car out of gas. Now, anytime I get down to around a quarter tank, my engine starts to sputter and die at stoplights. Anyone with advice on how to undo the damage I’ve done please feel free to leave a comment.
I’m in the middle of several big projects at work. One of them is relocating our business to another office park. That’s a fun one. Right now we’re working with the designers on the floor plan (which may include an abnormally large office for me…). Another project is going to involve spending the next couple of days in uncomfortable meetings, and another project is sending me to Texas on Wednesday and Thursday. Just in time to miss class the first week of school. Yay me.
The Chiefs look horrendous so far this preseason, and I’m starting to wonder if my suspicions about Herm Edwards were correct (that he’s a doofus). At least I’ll have good seats to watch them lose.