The Drunken Photographer

HMFIC

This is really one of those blogs that really has no purpose, other than just some rambling things clinking around in my head. :} I was thinking the other day, how many funny things I just say everyday,well maybe they are not funny, but they are kind of odd. How did I pick these up? Well I really think that as we travel through life when we meet people, and the ones we get to know, some part of them ends up with you to carry through your life, some good , some bad, some OK. For me every single person I have ever got to know I have learned something from them , in some way, shape or form. That is a much heavier discussion for another blog.

For this blog I am going to recall certain sayings I have picked up over the years and I know we all have them, sometimes it is just fun to remember who said it and when, so here are a few:

HFMIC- Head Mutha Fucka in Charge–I first heard this when I was in high school and worked at Shakey’s pizza , the guy’s name was Louis Amos, he was quite a colorful character and I learned a ton from him. If you are out there I would love to chat with ya.

Fo Sho- Another one from Louis

Guess What? Chicken butt, you know why? Cause it is all dry? - While I have never understood what in the hell this means, it is still kind of funny- The guy I heard this from was a guy I went to High School with Micheal Hathaway.

That’s a FAC, JACK- Well that one came from Wolfman Jack, he was a classic , I wish he were still alive.

It’s your world , I just live in it- Honestly I can’t remember who said this to me, but I know it was a very long time ago!

That bitch is so ugly it looks like someone hit her with a number 12 ugly stick- Another one from Mike Hathaway, I still want to know who came up with the system to measure ugliness via sticks and what is the highest number?

You must be having a Manual moment- From a guy I work with, Frank Self, it refers to the high school I went to in Denver, and lets just say it was a bad school.

Slop Bucket- This is a great one, it mean basically a sloppy person

Made me brand new- This one is a great saying it basically means, when you have gone through

Old School- sort of been way overused but I still use it , since I am from the old school!

My hair is on fire- I got this one from an IT guy, it is so true when you are working on a big project

I am going to go apeshit on his ass- I used to use this one back in the 70’s , and stopped , then I met a salesman who said it and it was baaaaak. Now I have my wife and all her friends saying it.

I think my head is going to explode- This one I made up on my own, and use it quite often. When I do use it I am very animated so people think it is great, although at the moment I use it , I don’t find it very humourous.

WTF- thanks to the Internet for making this one a reality, although I have said it for years, it does work for almost any situation.

Polish the Turd- I picked this one up from another IT guy Bob Kenney. It was a term we used at Motorola when someone could not make a decision. We called this process polishing the turd.

Here are some business buzz words that I really hate and try like hell not to say, I won’t put down the persons name who says them but you know who you are!

At the end of the day- What happens then?
I had to do a dive and catch- WTF?
It is, what it is- This has got to be the phrase that replaced Y2K for the 00’s
We are going to have to do a deep dive on that- Funny thing is it almost never happens.
We are going to take that conversation offline- Same thing, usually the conversation nver happens
When have you pinged that customer last? What are they a node on the Internet?
Best of Breed- Are we raising dogs or horse here?

Been There done that- Cool now shut-up and DO IT Again!

Think outside of the box- Where is this box and who defined it?

Win-Win Situation, now there is another WIN WIN WIN -geeze when will it stop?

Analysis Paralysis - The guy that says this, I want to put some duct tape on his mouth
DR -Disaster Recovery why does everything need to be an acronym?
Bandwidth- I don’t have the bandwidth today. WTF?
Sync UP- why?
What is the disconnect here? What is disconnected? This is another one where you never find the disconnect!
Going forward- We are always going forward whether we like it or not, stating it is just retarded.
He must be drinking the KoolAId-Honestly I don’t know anyone who still does! My kids don’t even drink it.
ROI- return on investment- I don’t think I have ever seen one that is based in reality, usually they are made up by some salesman to sell you something you don’t need

Update 04/15/2008 - For crying out loud the dude I am referring to came up with some new ones today:
I’m just trying to keep the wheels on the bus
We don’t need to burn any more cycles

There are so many more, but honestly I have to stop cause “my head is going to explode!”

Terry Runion
Kachoozie.com
Kachoozie.net
NewLifeImages
My Myspace Page

To Whom it may concern,

How do I start this email/blog, I really don’t know due to all the frustration I feel right now. I guess I will start by saying, about 3 years ago we sold our old house and purchased the current one we are in. We like many, many other people got an ARM. I was well aware of the ARM requirements, however; I planned in short order to get the loan refinanced into a 30 year fixed . In my wildest dreams I never would have thought things would have played out the way they have.

First I tried to refinance both and was told due to the market conditions , my home had dropped so much in value my LTV was no longer conducive to a refinance, not to mention even if I did refinance Beneficial had a prepay penalty of about 10,000.00, so I decided to wait a while longer. By the way when we purchased this home it appraised at 425,000.00 we purchased it for 369,000.00 . We just got the house appraised, (which is a whole other issue I will address later ) it appraised at 315,000.00 despite having a brand new A/C unit that cost 11,000.00 new carpet, new paint, the entire house has essentially been completely upgraded. What I find hard to understand is how I read in the paper homes have dropped about 10% in my area, which by my math should be about 42500.00 which would put the house value at 382,500.00 . With the amount os the current appraisal , that would put the total amount of decline at around 30%

About two months ago, we heard credit was opening up and decided to give it another run, we entered our information into lending tree, and had several calls, and one we decided to go with was Jon at American Sterling Bank, Jon told us we could probably refinance the ARM but they could not refinance the 2nd. Jon told me Beneficial would have to do a loan subordination which basically means in my mind , that Beneficial would have to give American Sterling first right should we default on the loan. Just as a note we have never missed a payment, with the exception of Chase Bank’s error ( when Chase bought the loan, they did not process two of the payments from the old mortgage company, something I am still trying to get corrected on my credit report). Here is some nice information on Chase’s tactics http://www.consumeraffairs.com/finance/chase_mortgage.html .

So, we went ahead and scheduled the appraisal, at 450.00 and had it done. Only after did I find out that Beneficial will not subordinate loans, so now not only can I not get the ARM refinanced but am out 450.00 , that I really can’t afford to spend since my payments are so high. You can only imagine how angry this makes me!

Here is the bottom line, these mortgage companies are basically painting me into a corner, because at this point the ARM is scheduled to rachet up yet again, and once it does I will be forced into bankruptcy, which means I will have no choice but to default on both the first and second loans. I also have an unsecured loan with Beneficial that I will be forced to include in the bankruptcy since if I take that drastic of a step, I am going to hit them all. It is a shame since we have put so much into the house, and it is in a very nice area, so someone will have a really nice house at some point. The sad thing is I am not alone at all in this, I am sure many others are finding themselves in this position as well. I just don’t get it, the mortgage companies would push someone into this dilemma with no real way out, so they end up losing tons of money, it just does not make any sense at all. This obviously drives the economy into a downward spiral.

I have had people who I know tell me , well this is your fault , you knew what you were getting into when you bought the house. My response to that is, how did I know I would not be able to refinance? How did I know my house would appraise at more than 100k less than when we bought it? How ? You tell me.

My take on the situation, is sort of like what Chris Rock says in his stand up routine, there are the people that are rich, and then there are those that are the very wealthy, I personally think, those very wealthy individuals are driving the economy, not only housing but gas prices, I am sure there are a select few who need a new yacht , or want to be sure there family is well cared for into the next millennia , I am also sure they really don’t care about the poor shleps who get up and go to work on a daily basis, they could absolutely care less. I mean, HSBC is one of the largest companies in the world , along with Chase , the people at the top there, really don’t ever see the folks down here at the bottom, they just see the bottom line, and that is what counts, right?

Finally , basically all I am asking for here, well really pleading, is Beneficial give American Sterling Bank the subordination they need to get the ARM refinanced. Beneficials interest will be secure, I will make be able to make my payments, and all will be good. You folks at Beneficial can look at my payment history and see I have never defaulted, not missed a payment, never been late. Oh by the way I have been a Beneficial customer for about 10 years now, that ought to count for something?

Terry.Runion@NewLifeImages.Net
Http://www.KachOOzie.Net
Http://www.KachOO.Com
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