Good morning All. Coffees on.

[Bri2020]

On 4/19/2022 at 9:57 AM, Marcie Jensen said:

Hey @KymmieLjust FYI, if you or your SO happen to be veterans, and have not used your VA loan benefit, or haven't lost it due to unforeseen circumstances, such as defaulting on a loan or having used the VA certificate more than 4 times, you can't be turned down regardless of how nasty the paperwork is. I hope this is good news and sets your mind at rest on that score.

 

Good luck with your house hunting.

Technically you can still be turned down. You can get away with a higher debt ratio than if you were applying for a conventional loan but you still need to make certain benchmarks financially. While the VA will technically allow for a zero amount down loan, the more your put down the better that will look toward the loan value to debt ratio.  The VA will guarantee a portion of a loan but only up to a certain amount. Lenders therefor can be more forgiving of you having higher debt because the VA guarantee lowers the risk to them. They are still going to look at needing a minimum credit score as well. 

[Bri2020]

7 minutes ago, Hannah Renee said:

Well, my vehicle is a 2012 Ford Expedition EL, 5.5L V8, and specs show it's a chain not a belt, FWIW. My mechanic is very reliable and honest - we've used him for years. I'm guessing part of the cost thus far represents the person-hours involved. Repairs are on hold until I can determine what I'm able to afford.

5k to replace a timing chain is robbery.  That said, you break one or a timing belt and there is usually engine damage.  I completely popped a rod when I broke a belt back in the 80s. Now I always replace them ahead of schedule.  It usually costs me $900-$1500. a chain shouldn't be that much different.

[MirandaB]

13 hours ago, KathyLauren said:

Five years ago today, I came out to the local community and on Facebook.  It has been a great five years.  In that time, people have been accepting and even supportive.  No one has been nasty to me, at least to my face.  If I had my life to live over, I would have done it a lot sooner!

This was so good to hear, congrats on the five years!

[Jamie68]

11 hours ago, Hannah Renee said:

So my car needs a new timing chain. 4800 to fix that. Then they have to check the pistons to see if any of them whacked something or other. Not exactly familiar with the concept, but whatever. If that has happened, then that would pretty much double the repair bill. So I have to pay 5k to find out if I need to spend another 5k, totaling the value of the vehicle. If I don't repair it, I don't have any trade-in for another vehicle at inflated prices. If I do repair it, I'm told by my mechanic it should go another 50k miles. That's what I was expecting out of the vehicle to begin with, but not sure where the lump sum of $$ are coming from.

I've had a couple cars that get bent valves if a timing belt goes bad. It sucks. Hopefully you got lucky. 

[Jamie68]

11 hours ago, KathyLauren said:

Speaking of cars, I got a call from my wife, who is in town doing errands.  She hit a curb; the rim is dented and the tire is flat.  I called CAA for her.  She is waiting for them to show up and change her tire.

 

I had the car booked in for some exhaust work tomorrow.  So I called them and warned them that it'll likely need a front-end alignment, too! 

She must have hit the curb fairly hard to dent the rim. Hopefully didn't get a bent "A" frame like I did in an old car I had. 

[Jamie68]

3 hours ago, Hannah Renee said:

Well, my vehicle is a 2012 Ford Expedition EL, 5.5L V8, and specs show it's a chain not a belt, FWIW. My mechanic is very reliable and honest - we've used him for years. I'm guessing part of the cost thus far represents the person-hours involved. Repairs are on hold until I can determine what I'm able to afford.

I just googled that engine. They sell used for apx $3,000

That may be a better option. 

[KymmieL]

On 4/19/2022 at 7:57 AM, Marcie Jensen said:

Hey @KymmieLjust FYI, if you or your SO happen to be veterans, and have not used your VA loan benefit, or haven't lost it due to unforeseen circumstances, such as defaulting on a loan or having used the VA certificate more than 4 times, you can't be turned down regardless of how nasty the paperwork is. I hope this is good news and sets your mind at rest on that score.

 

Good luck with your house hunting.

@Marcie Jensen that is fantastic news. I have not used my VA home loan benefit at all. I could see them saying you can only afford a $50,000 home. I have actually found one that I really like. That is actually across the street from our apartments. But I will be telling my wife the good news.

 

Thanks

Kymmie

[Willow]

Good early morning?

 

According to one of my friends, you may need to upgrade to bi-fi @Jackie C. I did upgrade to 5 Gaydar but I don’t get any bars.  I’m told it’s because I’m in a 4 LocalTranExclusion area.  And it gets confused with the Gators mating season.

 

Live in NC?  Looking for a program for GCS?  I have a good friend that just got accepted into the UNC program.   She should complete hair removal, top surgery then bottom surgery all in the next 18 months.  She’s been trying for several years to get into a similar program.  The hair removal starts next month already.

 

My sponsor for this session is Acetaminophen PM  “when you need help getting to sleep, and your melatonin isn’t working try us.  We also help with your headache and sinus congestion.”

They compete with caffeine for my business.

 

I got my marine AC about half installed yesterday.  I should be able to test it out and button it up later. Unit is in, controls are hooked up now I need to get my water in and out hooked up as well as electric run to my circuit panel.  The water is the tricky part.  You’d think being surrounded by water that wouldn’t be a problem but water in has to come through the hull from below the water line, through a pump to the AC, them back out through the side of the boat.  Ever try to put a hole in the bottom of a floating boat without sinking it?  
 

check back Friday morning  to see if I’ was successful.

 

well my night sponsor is telling me to go back to bed.

 

Hugs

 

Willow
 

 

 

 

 

 

[JustineM]

Good morning everyone! This mornings motivation is brought to you by Folgers. 
 

So I finally got the “official” punishment for my accident the other week, two day suspension. So I’m back to work tomorrow. Funny part is it actually solved a problem I was having with connecting with my new therapist. So I’m actually in the parking lot waiting for them to open now. Sipping my coffee and listening to it over Exaggerate how productive I will be today lol.

 

Oh and I’m very happy to report that my diet and exercise plan is working and I’m down 12lbs in 2 months! 
 

 

Have a blessed day everyone 

[Mmindy]

6 hours ago, Willow said:

According to one of my friends, you may need to upgrade to bi-fi @Jackie C. I did upgrade to 5 Gaydar but I don’t get any bars.  I’m told it’s because I’m in a 4 LocalTranExclusion area.  And it gets confused with the Gators mating season.

Good morning everyone,

 

Coffee is...

 

@Willow and @Jackie C. Too Funny!

 

https://images.app.goo.gl/Ur8Zqxt9pBt1JJ4F6

 

 

 

[Willow]

Good morning 

 

Well I got a warning from my regular sponsor, he wants to add an exclusionary clause in my contract.    I said I’d consider the request and let them know.

 

@Mmindy see how we keep everyone entertained?  Love your net reference.  Guess that must have been you?  lol!  this is what happens when you are up in the middle of the night.

 

just got up and made coffee.  I’m not allowed to say more unless I agree to the exclusive contract.  So I’m have a hot, black beverage.  Ah that first hot sip of the morning!  And I always finish it to the last drop.

 

My ribs are slowly healing. I’m still going easy on them. At least as easy as I can.  
 

I need to start my day. 
 

hugs

 

Willow

 

 

[Ivy]

7 hours ago, Willow said:

 I have a good friend that just got accepted into the UNC program.

I think someone in our VA group recently had surgery there.

[Ivy]

7 hours ago, Willow said:

 Ever try to put a hole in the bottom of a floating boat without sinking it?  

Sounds tricky

[KymmieL]

30 minutes ago, Willow said:

Good morning 

 

Well I got a warning from my regular sponsor, he wants to add an exclusionary clause in my contract.    I said I’d consider the request and let them know.

Willow, You need to tell whom ever your sponsor is that this thread is all inclusive including sponsorships. Just like this forum is.

 

Plus any sponsorship negotiations  need to go through me first. I will make sure that TP gets more than its far share.

 

Surprise, I see my therapist today. As apposed to when I thought it was next week. I have so many appointments I have trouble keeping them straight sometimes. (OK, most of the time)

 

Right now, 60 degrees on the ol' fenceometer. forecast in the upper 60s. Yeah. however the wind is going at it. So today. Some work on the dash. my noon appointment. maybe catch up on the last two Picard episodes. work on my model project. Most importantly relax.

 

Kymmie

[KymmieL]

7 hours ago, Willow said:

 Ever try to put a hole in the bottom of a floating boat without sinking it? 

Willow, you just need a water letter-outer

[JustineM]

Well the new therapist seems really nice. It was kinda funny, she got all confused when I got there. Apparently the scheduler got mixed up and put me in as female to male. Lol. Got it straightened out and will see her again next week. 

[Davie]

Great to read all this good-natured chat. I'm dealing with a bad back with sciatica that wouldn't let me sleep for days, BUT I can now sleep again . Big relief. Other things going well, except my writing (apparently, one needs a fully-functioning brain to do that.) Big hugs, brothers and sisters! 

💜 —Davie  

[Jani]

18 hours ago, Hannah Renee said:

Well, my vehicle is a 2012 Ford Expedition EL, 5.5L V8

@Hannah Renee I don't see a 5.5 liter engine in the specs.  It could be a 5.4 or a 5.0.

 

The Ford Coyote 5.0L is interference engine, meaning valves will hit the pistons if a chain breaks.  

 

The 5.4L is also an interference engine so there could be damage.   All Ford Modular V-8's are interference.

 

Most likely the chain did not break but the timing gear may have sheared as many have nylon cogs to enable quieter running. 

[Jackie C.]

14 hours ago, Willow said:

According to one of my friends, you may need to upgrade to bi-fi @Jackie C. I did upgrade to 5 Gaydar but I don’t get any bars.  I’m told it’s because I’m in a 4 LocalTranExclusion area.  And it gets confused with the Gators mating season.

 

Funny, my friend says the same thing. Her Bi-Fi is excellent. Tragically, I'm not bi so I have to scrape along with what I've been given.

 

Hugs!

[Mmindy]

5 hours ago, Davie said:

BUT I can now sleep again . Big relief.

Davie, I'm glad you found relief. Hopefully the brain fog will go away and you can get back on track writing.

 

Best wishes, stay positive, and safe,

 

Mindy🐛🏳️‍⚧️🦋

[HollyNG]

Been a hassle getting parts lately.Called for a clutch kit for a John Deere tractor today,on backorder.This customer and his wife are good customers of mine and is costing them money on this part on backorder.My customers know I do not buy junk parts,come from John Deere,Case,Kubota,Caterpillar.

[Willow]

@KymmieL

first my wife is all to happy to use your water letter outer but in reverse so it becomes a let it inner.  Honestly it not only can be done it is done frequently.  
 

I currently have 8 holes in the hull of my boat that are below the waterline.  Two sink drains a cooling water source for the engine, a source for the head (toilet for you land lubbers.) one for the sewer water discharge when you are far enough off shore, two for instruments that no longer work.  And the propeller shaft.  Any one of these could suddenly fail.  Most all of them have shut off valves to prevent water from getting on the qtong side of the fiberglass hull

 

well time to call it a night.

 

Hugs

 

Willow

[HollyNG]

Came out to my wife about a long time secret tonight.Told her about the age of 8,had feelings I am transgender.She accepted it and knew something was not going right with me after I turned 43 in January.There were feelings inside I am female.

[Willow]

Gooood morning coffeeee lovers!

[Willow]

Oops didn’t mean to hit that.  
 

the temperature is climbing back up to normal here. 80 by tomorrow.  That’s ok until the humidity hits.

 

I need to finish up my ac today. It’s taking longer than expected.

 

just heard from our son. He just finished his second day of upgrade live training to Captain and a new aircraft.  Sent a picture I presume was taken by his trainer.  He is beaming ear to ear.

 

I won’t allow my coffeeee to get cold.

 

hugs

 

Willow

 

TGIF