dumbestgirlintheworld

Only in traditional loans. FHA, which is what A LOT of loans are, require a minimum of 3.5% in cash. The closing costs on our current contract are something like $11K. The seller is giving $7K. Still, FHA requires me to come to the table with a certain amount of money, so there was a surplus of money available, which we used to buy down points on a lower interest rate.

Toilet paper is a necessity, not a luxury. And I'm not talking about that rough stuff either. Not to mention, a girl needs to have access to some hot wax on occasion for the greater good of society as a whole. I think boys THINK they want girls that don't care, but go a day without shaving your under arms...they'll call you out. WTF is in S.Dakota? That's a lotta land and not a lot of cars to cover with a wrecker. Course, there's gold in them hills - and that can serve up a good living with lots of free time!

Nope. I'm not holding out hope, which is why we've started looking again. Problem is that houses, literally, go in a day or two in this area.

Do it. Change is good and if you don't have to be tied to a corporate existence, GO!

Hmmm. I'm not sure on this. The way I see it is if you can't scrape up 4 grand, you're probably a risk. Foreclosures hurt for EVERYONE, so it benefits us all to have some requirements.

We're negotiating. it's 17 years old and still has original roof, boilers and ACs. I told them that we would offer $10K more, but they had to put in the other $10K to have those things replaced prior to close. Since they just did a $35K drop on the price prior to our offer, I'm not sure they're going to take it.

Welp, it doesn't matter anyways, since the house has other needs besides radon testing! lol! One month to go to find a house....la la la....I'm not stressed.at.all.

Is this real or just a racket? My home inspector (a family friend!), wants $100 to test our new house for radon?? I've never heard of this...

Yuck. Looks like something a pikey would build.

Totally amaze-balls.

What is wrong with you? PM if you'd like and I'll try to find you resources.

When I was 12, we lived in government housing. The child of a single mother, my day consisted of coming home from school, caring for my little sister - feeding, bathing, putting to bed - doing my own homework and going to bed. All this while my mom worked her second job. One night, a man broke into our home and did unspeakable things to my poor 12 year old self. Before he left, he tried his best to kill me by strangling me, calling the police and telling them, and then patiently waiting for them. It didn't work. So my past is FILLED with a million reasons why I question, everyday, my

Definitely new age...but they do lots of peace meditations, have a peace dance class...good yoga classes. She's an interesting character.

You really should check out the Heron House. http://heronhousenews.blogspot.com/ Sorry, should have added this one as well http://www.meetup.com/Roswell-Heron-House-Circles-of-Sacred-Earth/

Almost exclusively. I'm in marketing and I spend the most time with my agencies/contractors and my sales reps. As a result, nearly all communication is virtual. I've got a video production team in Arizona, writers everywhere (including Costa Rica) and I manage teams in London and APAC. Localization is very big if you're going to be working in global business and travel just isn't feasible (or necessary) for most things. I've even hosted 'virtual' sales conferences. I wouldn't recommend it, but it got us through 2008 when my million dollar event just wasn't in the budget. Funny story about

Hubs has been on the patch for a year and a half now... He's a bit cranky in the morning, but fine after that.

Daddy let her headband go all wonky. Grrr. And yes, she's been rolling over since she was 3.5 month old. Front and back. She's a VERY active and very HARD baby. Very sweet and quiet, but when she wants something - she's going to get it. Thank you. We love her.

I get it. My 11 year old slept in bed with me 2 nights ago because there was a thunder storm... BUT, sometimes it's good to remember that fearful parents will have fearful children. I do believe that my faith is a large part of my reasons for allowing my son the freedom to walk the mile, mile and a half to go fishing in the lake or swimming at the pool. He's allowed to ride his bike with friends. And these are all things that grow adults - albeit, he's still scared of thunder...so WTF do I know?

I didn't mean my tone to sound so crappy (no sleep), but we do have to stop creating a society of children that are scared of their own shadow. We need to give our children roots, and wings... ETA: I am making an assumption that you live in a safe neighborhood, but I do realize there are some rough areas - so if you reside in one of those I certainly can understand the over protectiveness.

Thank you all. It's been quite a time...letting go of my 11 year old and helping him into manhood and embracing my newborn. I'm beat.

Dear God, the child is in SIXTH grade. Once upon a time, they were training for war at that age. Chill out, get him a cell phone and give the kid some room to grow up.

Average home sizes in the US are 2,401. FYI.

I always get jealous, because all my friends have big houses in Paulding...and they paid considerably LESS than I just paid for my tiny 2,000sq. ft. house in Fulton. But, then I remember that the majority of them have a dreadful commute. And the Hiram Wal-mart.

She's cool, in a doesn't want to sleep sorta way. Her daddy wants one more. I want to rip out my uterus. I will win.