I was coming here to post this. I saw it last night, but it was right before bed and I had no energy to list off some favorites.
A friend of mine posted some tracks from Cocoon. I wouldn't have thought of them, but now that I'm listening, I'm glad I am.
Braveheart - The Gift of a Thistle
So... we closed. We basically had to be on call all day long, since they didn't know when paperwork would come in, and the lady running the show was, to put it nicely, a disaster. The bank basically had 2 people working with us - one who actually worked with us, but had no authority (and she was pretty good, but, again, no authority over anything) and a lady who had all the control but should never, ever, ever, have an interaction with a customer. Her communication skills were a problem. So we had lots of questions when we got to closing. Some that we were upset to even be asking about. But whatever. After waiting all day, not knowing if we'd get to close or not, discovering someone somewhere had decided to remove a small discount that we'd been promised (it sounds like we'll get it back, but... we'll see. It wasn't enough to scuttle the deal, but it was very frustrating), being interrupted several times during closing in order to contact the lady who was running things but wasn't there, and getting all the papers signed... we get done, and everyone looks around the room, and the attorney says "so... do you have the keys?" Right. No one had the keys. 20 minutes later we figure out where they are, and we finally get into our house.
So... we're homeowners. But oy!
Congratulations!
Congrats. If there's anything I took away from my one closing experience is that there is a significant amount of incompetence in the home loan industry.
That said, refinances have gone much smoother.
Yes to congrats, and yes to incompetence. Also, needful and needless complexities that obfuscate what the hell is going on to the layperson, and monopolistic/oligopolistic "competition" that squeezes both buyers and sellers out of more cash than really is right.
Yeah... those needless complexities. Multiple times I caught onto things that were said differently in person, so as to lead us to believe we were getting X, but then on paper it turned out we were getting worse-than-X. Thing is, worse-than-X was still the best deal out there, and we would have taken it (and did!), but there was no reason for them to approach it in such a way that we felt they were trying to deceive us. I think a big part of that was the employee-who-was-bad-at-communication, because boy was she defensive about how things had been done, and she always took other bank employees off of the CC on the e-mails we exchanged, when I'd put them on there, etc. But yeah... so much obfuscation.
when we closed on our first house (we had it built), it was a couple hours after closing before the keys were made available to us.
When it comes to closing, all's well that ends -- particularly if it ends well. congrats
Oh man, we lost a great soundtrack composer, James Horner
A few of my favorites of his:
A Beautiful Mind - "A Kaleidoscope of Mathematics"
Field of Dreams - "The Cornfield"
Bicentennial Man - "A Truer Love"
The Rocketeer - "Main Title / Takeoff"
Apollo 13 - "Main Title"
I was coming here to post this. I saw it last night, but it was right before bed and I had no energy to list off some favorites.
A friend of mine posted some tracks from Cocoon. I wouldn't have thought of them, but now that I'm listening, I'm glad I am.
Braveheart - The Gift of a Thistle
So... we closed. We basically had to be on call all day long, since they didn't know when paperwork would come in, and the lady running the show was, to put it nicely, a disaster. The bank basically had 2 people working with us - one who actually worked with us, but had no authority (and she was pretty good, but, again, no authority over anything) and a lady who had all the control but should never, ever, ever, have an interaction with a customer. Her communication skills were a problem. So we had lots of questions when we got to closing. Some that we were upset to even be asking about. But whatever. After waiting all day, not knowing if we'd get to close or not, discovering someone somewhere had decided to remove a small discount that we'd been promised (it sounds like we'll get it back, but... we'll see. It wasn't enough to scuttle the deal, but it was very frustrating), being interrupted several times during closing in order to contact the lady who was running things but wasn't there, and getting all the papers signed... we get done, and everyone looks around the room, and the attorney says "so... do you have the keys?" Right. No one had the keys. 20 minutes later we figure out where they are, and we finally get into our house.
So... we're homeowners. But oy!
Congratulations!
Congrats. If there's anything I took away from my one closing experience is that there is a significant amount of incompetence in the home loan industry.
That said, refinances have gone much smoother.
Yes to congrats, and yes to incompetence. Also, needful and needless complexities that obfuscate what the hell is going on to the layperson, and monopolistic/oligopolistic "competition" that squeezes both buyers and sellers out of more cash than really is right.
Yeah... those needless complexities. Multiple times I caught onto things that were said differently in person, so as to lead us to believe we were getting X, but then on paper it turned out we were getting worse-than-X. Thing is, worse-than-X was still the best deal out there, and we would have taken it (and did!), but there was no reason for them to approach it in such a way that we felt they were trying to deceive us. I think a big part of that was the employee-who-was-bad-at-communication, because boy was she defensive about how things had been done, and she always took other bank employees off of the CC on the e-mails we exchanged, when I'd put them on there, etc. But yeah... so much obfuscation.
when we closed on our first house (we had it built), it was a couple hours after closing before the keys were made available to us.
When it comes to closing, all's well that ends -- particularly if it ends well. congrats
Inland Empire's promotional zombie uniform
So, the title is also today's article.
Five years ago today. Still gives me goosebumps.
Same here. I showed the roommate this clip the other day and got all verklempt.
Reminds me of a Monty Python skit about flying cats.
apparently Stribbers aren't nearly as bad as we thought.