What the hell is she talking about?

I ate a piece of cheesecake today which was enjoyable and afterwards, I didn't feel as bad as I thought I would but I did have to do a boot scoot to the can more than once. And while I was sitting there in the restroom waiting for the inevitable, I was thinking about how I skipped my B12 shot this morning because I thought that I would feel discomfort most of the day at the shot site (rump) because of my desk job. To avoid being uncomfortable, I would perform the shot at night so I wouldn't feel the associated pain, if any, because I'd sleep through it. It occurred to me people like comfortable things and most of what is craved is not always the best thing for the human experience.

sugar
salt
fat
calories
alcohol
medicine
speed
heat
cold
height
depth
arid
humid

What if the earth was a big scientific beaker in biology department of galaxy university and the sun was the major heat source and the magma was the minor heat source and too much of either one is a bad idea regarding the human experiment and all the other creatures that developed on earth? What if the cravings for creature comforts of human beings with all of their development and evolution was not only killing them off, but the rest of the earth as well?

Acronyms killed the finance industry

...she said half jokingly. My proof? See below.

The List:
#
1003 - uniform residential loan application
2005 - Fannie Mae's MLS
2009 - Fannie Mae's Request for release of documents and receipt

A
ABS - Asset backed security
APR - annual percentage rate
ARM - adjustable rate mortgage

B
BK - bankruptcy

C
CDO - collateralized debt obligation
CDW - cancelled, denied, withdrawn
CUSIP - Committee on Uniform Securities Identification Procedures

D
DDF - Fannie Mae’s Document Delivery Facility
DMSS - Document Management and Servicing
D1 - title policy
D2 - security instrument

E
ECOA - equal credit opporunity act
ERISA - Employee Retirement Income Security Act of 1974

F
FDIC - federal deposit insurance corp.
FICO - Fair and Isaacs Corporation
FHA - Federal Housing Administration

G

H
HUD - U.S. Department of Housing and Urban Development
HUD1 - Uniform Settlement Statement

I
IPO - initial public offering

L
LIBOR - London Interbank Offered Rate
LTV - Loan to Value ratio

M
MBS - mortgage backed security
MERS - mortgage electronic registration systems
MLS - mortgage loan schedule

N
NOD - notice of default
NOS - notice of sale

O
OCC - Office of Controler of Currency
OFAC - Office of Foreign Asset Control
OID - original issue discount
OTC - over the counter

P
P&I - principal and interest payment
PITI - principal, interest, taxes and insurance
PMI - private mortgage insurance
POA - power of attorney
PSA - pooling and servicing agreement
PUD - planned unit development

R
REIT - real estate investment trust
REMIC - Real Estate Mortgage Investment Conduit
REO - real estate owned
RESPA - Real Estate Settlement Procedures Act
ROI - return on investment

S
SEC - Securities and Exchange Commission
SOX - Sarbanes-Oxley Act
SWIFT - Society for Worldwide Interbank Financial Telecommunication

T
TIL - truth in lending document

V
VOE - verification of employment
VOR - verification of rent

W
WAC - weighted average cost
WAP - weighted average price

The Monday Morning Blog

What am I doing up at such an ungodly hour? Oh yeah, I went to bed early and I only sleep six hours at a time. I think it was three something and I watched TV for about 30 minutes before I hit the shower and washed my hair. I already knew I had to get out the door early today because I needed to get gas before going to work this morning.

I got ready and went to get gas at my favorite Chevron using my worldpoints card now and not the Chevron charge card because, hey, if you're going to gouge me for the gas, I might as well get something more out of it than a two hour tour to Simi Valley each morning.

I got to work at a little before 7AM. I thought about going to Albertson's to pick up some lunches, but I was thinking if it's too hot anyway, all I'll really want to eat is a simple sandwich and I can get that at the cafeteria any way I want it, so why bother?

Soon after I arrive, the contractors are here again to work on the wiring for the new expanded vault space that will be mine come July 3rd, or so they say. I only received shelf gripping dividers which is a problem because the bottom shelf was built with a kick panel, so the divider can't be used there. They do make those L shaped ones with the magnets on one side, but I did not see that any of those were provided. What to do? Email Maria and see... I'm waiting now on Brander, who I was referred to. La la la.

I should be in better spirits now since I got to chat with my friend Rich in the AM, a rare treat, and I've consumed a bagel and coffee.

I received a message from a high school classmate who put together a webpage for our graduating year. It's nice and I emailed her to thank her for her efforts. I would never have been so bold as to stand up for the entire class of 1984. Good for her. It will be 25 years in 2009 and mentioning that fact makes me feel old, but I know for a fact I've aged better than many, many of my fellow classmates. The proof will be when I see them at the reunion.

It's supposed to be 100 degrees in Simi Valley today and for the rest of the week, I think. I'm glad we have off for the holiday on Friday and I don't think it will be that hot in Tustin at all. I'm planning a bbq for me and my son.

Menu

Hebrew National Kosher Hotdogs (the best!)
Potato chips

Fruit Salad
(recipe)
strawberry jello cubes
cool whip
can Dole fruit cocktail, drained
sliced strawberries
sliced bananas

god, what else... maybe corn on the cob, too. I'll have to go to the store in the next few days.

I was confirmed

I knew the economy was bad here in Orange County. I knew it because there were so many jobs tied to the housing industry that disappeared in the last two years, there are still people not in their traditional and perferred choice of jobs. Now, today, i was confirmed because I read the same thing in the OC Register. I think they said it hasn't been this bad since 1991. I happened to move here in October 1992 when I thought I was sick of living in San Bernardino County and had no more opportunities there.

I mean, the last time I worked in Orange County, it was October 2007. I just got a contract job in March and I have been looking, but have got no job prospects lined up after this contracts ends this fall and that fact really bothers me. I've always been pretty good at living within my means and socking away money for a rainy day, but I never really planned to use it because I couldn't find work. I simply called it "savings" and had no real plan for it other than to pay down bills. I did that with all my credit cards, by the way. I have zero balances on my credit cards except for the gas card. I'm going to put that one away and begin to use my world points card and just pay that off monthly instead. If I have to pay for all the gas to get to and from Simi Valley each day, I might as well get something more out of it.

So I've been thinking of relocating, mildly. I also have been thinking about going to school to get a bookkeeping certificate to help me get my foot in the door to a new career. I also have been thinking about taking a vacation. If I'm going to have to take time off, I might as well enjoy it, right?

Economics, my way

I'm always getting asked how long does it take to drive home from Simi Valley to Tustin because everyone at work knows I live in Orange County and make this long trek to work each day. Yesterday was no exception. It takes anywhere from an hour to 4 hours, but the average is around 2.

I stayed late at work to deal with a security breach and I got to talking to the security guard Mosley who actually travels in the opposite direction that I do - that being east to work. I go east to go home. Anyway, he was asking about what time he thought I would get home because he said leaving later would have the drive easier. Hopefully.

I said I would be home in about an hour or so if I was able to drive at the speed of a low flying missile, approximately 80 MPH. It eats up my gas, I know, but I don't care - sometimes I just want to be home. And then we started to talk about the speed at which people drive. He said the speed limit should be higher so you wouldn't get as many tickets. Most people drive at speeds exceeding the posted limits anyway here in California. Most experienced drivers know they can safely go about 15 MPH above the posted speed limit.

I took that one step further. I said I think we should have no posted speed limits- on the freeways especially. This would be stimulating to the economy because almost immediately, all of the bad drivers, the poor drivers, the rotten drivers, the drivers with rolling wrecks under the ass would be eliminated due to death. Get out the tow trucks and then take those silly fucks off the road, total their cars, plan their funerals and that will get the death business pumped up and then you're left the rest. The rest of us meaning the one's who can drive fast and follow common courtesy and still not be moving hazards for other drivers.

I'm thinking German Autobahn. Yup. 120MPH would be common once the freeways are repaired of all the cracks and potholes. Large trucks would be forced to use train or surface streets because they really do a number to the pavement and would not be able to drive that fast either. I site as examples of diesel truck road damage: eastbound Edinger to northbound Ritchie - that left turn late is hell. I site any exit or entrance of Cherry Avenue off of the 10 freeway in Fontana, and I site the exit off of the 60 I think near the truck stop in Ontario. I think that is also near the Ontario Mills. The roads are a joke in California.

(On a side note: I get a kick when cities site homeowners for not clearing away brush around the perimeter of their house when the State of California does a lousy job of the same thing along their very own freeways. Get with the program and stop fires from developing along the freeways in the first place. Gees.)

So, people drive fast, bad drivers die, stimulates the medical and death industries, recycle the wrecks, have good drivers buying faster cars which stimulates the auto industry, good drivers get to where they are going in record time. Yeah!

Yesterday, Oh Man!

Yesterday, I came to work not feeling so hot because I thought I was constipated, so I decided to just sip on tea and coffee all day and avoid the cafeteria which has been feeding me too well. I think I gained about 10 lbs since I started to work here, which is a lot for me considering I'm pretty tiny. I finally broke down out of sheer hunger at about 3:30PM and went to the vending machines because at that time the cafeteria was closed and I bought a bag of sour gummie worms for $1.50. I checked the ingredients for lactose and there was none. Yeah! This did not negate the fact that the other main components were mostly sugar.

I left work at my usual time of 5:00PM and by the time I got to my off ramp two hours later, I had this pain in the middle of my chest that was so strong, I couldn't decide if it was a heart attack or a panic attack. I was thinking on the way home that I needed to do something for my son's 21st birthday, but he was at school until almost 10:00PM, so I decided Tuesday would be better especially since I was feeling like hell. I drove home and parked my car, turned it off and assessed what I was feeling. I took a couple of deep breaths and got my gear out of the car and walked to my front door to let myself in.

After I got inside and as I shut the door, I burped this hellish burp and then the fun began. Gas-gas-gas like I have never has gas before. I took a few of the multi-symptom Rolaids, but they did little to help. It was not fun and I was up until 1:00 something AM dealing with my self-inflicted gas factory by eating mainly sugar on an empty stomach.

I didn't know if I was going to make it to work Tuesday because I didn't get enough sleep but at least my stomach stopped rumbling like from the night before. I did not dare eat anything before my 2 hour commute, so I sent a text message to my co-worker to say I was running late- leaving at 6:30AM and that I would be in the office by 9AM. I went to Albertson's before hitting work and bought some plain bagels, apple slices, wheat thins, salami and gum.

So sitting and thinking (because that's about all I have to do at work when it's slow and there is nothing to do but cruise the internet) about what transpired yesterday with me eating all of that sugar on an empty stomach and getting the most uncomfortable gas attack I have ever had in my life in return, I ran a query on Google on the words ' sugar and gas '.

Low and behold there is a correlation with the chemical reaction that occurred in my gut yesterday with sugar and gas. You won't even believe it when I tell you and it may even solve the high gasoline prices we've been experiencing lately.

Los Gatos Company Introduces Ethanol-Making Machine

...and here's another article about it on Gizmodo

Dear Commentator,

I had a dang useful comment applied last night to my 02/26/08 blog which told me about stainless steel hubs for my busted dishwasher wheels I was complaining about not being able to replace by utilizing a Maytag parts and service website.

J. Matthews reminds me of my dad = engineering metal parts that work because the solution is not cheap piece of molded plastic that's just going to break again. Thank you, Mr. Mathews. I will be checking into your website again just as soon as I can't stand the part malfunctioning because the glue won't hold anymore.

http://www.maytagwheelhubs.com/Maytag.html

Cosmo

I used to buy Cosmopolitan off the news stands in my 30's. Then I decided I was wasting my money because for the most part, that magazine is written for entertainment of women and wasn't too useful at all. Then I changed to Real Simple.

So now and again in the internet, specifically, msn.com's Relationship section, I'll find somewhat poinant articles about things I can relate to which originally came from - you guessed it - Cosmo.

This one kind of hit close to home...

Why Guys Marry Some Girls(But Not Others)

Bargain

I went shopping today over at Marshall's in Irvine because I had not been there in awhile and it was next to Sprout's Market, so I could buy some fresh produce once I was done clothes shopping. Both places were super busy and had super air conditioning unlike my home - yeah. I may just have to break down and buy a unit this year... So anyway, trolling around the store, I first walked through the shoe isles, but did not find a 6.5 in a style my size, too bad. Then I was looking in all the small sections and not finding much of anything I liked. I was resigned to find something I was able to wear to work because I think I have enough casual wear, thank you. After crusing all the tops, I decided to try the dress rack. I couldn't get to where I needed to be to check out the size 4 because someone had parked their cart there, so I was going to wait when I looked up and saw an Anne Kline two piece suit in my size - wow. It was red tagged to move, so it should of been hiding on the clearance rack instead of the by the dresses - no matter. O.K., read tag - what is wrong with it? Upon carefull examination, both pieces had matching sizes - good. There is one button missing and a snag in the arm. But would it fit? Would it fit because this originally $160 now marked down to $59. suit was screaming at me, "Don't leave me on the rack - you can fix this! Try me on now!" I found the changing room, tried it on and the dang thing fit. After trying it on, I worked on the snag a bit in the dressing room and decided that I could fix it so it would be worth buying. Made my purchase and then put the suit in the car.

So I then went shopping at Sprouts and got my fresh produce and headed to Joann's for buttons. I found a new set of similar matching buttons for $5 which made me happy. What a find. Sometimes it pays to be a 2P.

Dinner

Pan seared fresh, wild salmon and steamed white rice.

It doesn't get much better than this.