Dang, what an excellent deal!! So you’ll not only skip a payment, but your future payments will be lower, right? Very cool!! Second round of drinks are on you! 
Ok, now that I’ve gotten caught up…
Stickybuns - Your state doesn’t require health insurance for full time students (I’m assuming you’re full time based on the tuition amount). MA requires health insurance for everyone and UConn requires insurance for all students. The nice thing is that since it’s required, the cost gets added into my tuition and the financial aid covers it.
Swampy - HOLY CRAP THAT’S AWESOME!!! CONGRATULATIONS!!!
Moooooom - I’m imagining what the ham was like and…ewwwwwww.
LiLi - if you see this, I hope you and the babies are ok! Try not to think about what’s going on at home. I really hope that either you get lots of contraband food or that your hospital has food like our hospital (I voluntarily ate every meal there while Sweetie was a hostage because it was that good).
Sweetie has been on the phone with his dad since getting off the phone with the mortgage company and from what I’m overhearing (eavesdropping), his dad (who is much more knowledgeable in current events than we are) seems to have given his approval for the offer and seems to know why they might be doing this, other than not wanting to risk losing a good client of 10+ years.
Mooooom I’m assuming they’ll be lower. We’ve only paid 2 years so far and of course most of that is interest and insurance and other stuff like that but we must have lowered it by at least $5k (that’s good for what - $2 less a month? :D)
It is 1300 hours, and I am still blurf. That is all.
I have to say that modern technology is so friggen cool.
Less than half an hour after Sweetie got off the phone with the mortgage guy, I got an email from the mortgage company with a link. I clicked the link. It brought me to a secure disclosure site and after about 15 different security questions, it gave me a .pdf of the new mortgage agreement. All he has to do is click the sign button and it’s done. That’s it. No lawyers, no meetings, no nothing. Of course, I still have to print out the damn thing…all 56 pages of it.
So far it looks good. Mortgage will drop by $130 per month. But, the PMI will go up by $70 per month. So, the savings each month will pay for our gym memberships - which is nice.
Blargh. It seems like half of the clementines in this batch are too sour to eat (and the rest are just barely edible.) I’m thinking of using the rest of the vodka my dad isn’t going to drink and infusing it. I may do a batch with sake too, since I have bunch of that in the fridge that isn’t getting used. I’ll have to get jars, since I think we only have the pint jars my mom uses for canning apple butter.
I poured a bottled of Twisted Tea[sup]®[/sup] over dried cherries. They were nummy.
I really hate getting a bad batch of clementines.
It’s all gone cold!
Who stole the warm? I’ve had frost-tender plants somehow surviving outside until last week, and now I can’t feel my toes, despite having the heating on, and hiding in bed with a hot water bottle… shiver
No fair, I thought we’d escaped this year…
Probably not officially cold actual outside temperature for some of you, but heating here is crap, and insulation is not-existant, so it is in here!
Ugh, and I’m going to have to drag my cripply self down to the shops tomorrow, after over a week holed up in bed; I’m almost out of food, and I can’t go on making my housemate buy me stuff all the time, especially as I should lay off the takeaways, until I get benefit payments sorted- it’s been stopped 'cos I’m too ill to look for work, and they’ve sent me a mysterious form for sickness pay with the ‘start date’ listed as ‘10 August 1992’, which I can’t work out. I can’t think of anything interesting that happened then, but I probably wouldn’t, I was 9 
I s’pose I’d better phone them again then, and have the joy of the worst hold system devised by man (it plays one tinny tune, then randomly gives half a ring so you get all excited before going onto the ‘thankyou for holding, please continue to waste your life’ message) for 40 minutes, for the third time- then I get to give them all the information I already gave them once, or in extreme cases, 3 times, and they should already have on record anyway. Fun!
Hope yez all have a better thursday than it looks like I’ll be having!
Um, that would be us. It’s been in the 50’s and apparently it’s supposed to be like that for the next 10 days at least!
We took a buncha the warm Nut. It’s 62 Amurrkin out but rainy. I may sleep with a fan on tonight. 
Home from Evening Prayer at the church house. ‘Twas a nice service as always. We have a new person who has been assigned to St. Pat’s by the Bishop to do a six month intern before bein’ ordained Deacon. Ok, new to us. She’s actually a native here but has been at the big downtown church and the Bishop wants her to experience somewhere besides there for her internship. She and her husband seem like nice people. She told me tonight she’s lookin’ forward to the legendary St. Patrick’s “Irish” stew and corned beef and cabbage she’s heard so much about. Flatterer! Works every time.
Oh and I’m still all Report that BBBobbio! 
Now I shall go lie upon the bed and watch teevee until I get sleepified.
Nitey Nite Y’all!
ETA: WOOHOO on the re-fi shortdrum!
That’s awesome that you got such a good deal on the mortgage, congo!
And to answer your question, no, you definitely do not have to have health insurance as a student in Ohio. That never has been the case, even when I was working on my undergrad stuff. They offer insurance but when I looked at it it was quite expensive and had a pre-existing conditions clause with something like a 12 month waiting period.
I’m home from school and all I have to say is OWIE OWIE OWIE my knee is certainly hurting tonight. Just about to go find some ice or the infamous strawberry daquiri to put on it.
It amazes me that insurance isn’t required. Hell, these schools even require up to date vaccines. Glad I don’t live on campus because it means I don’t have to deal with the headache of - did she or didn’t she get her hepatitis vaccination - again (I got the first 2, not the third, have no record of having it done because they got lost in the days before digital records, and no one seems to be able to read the titre results properly - but I am immune). I’m not sure about UConn but Quinsig required the vaccinations for all full time students regardless of major and all medical-field related majors regardless of enrollment. I’m going to miss having the Quinsig insurance. It only costs $900 per year and it’s actually pretty good. The UConn insurance is supposed to be good too but it costs about 3x as much as the Quinsig coverage. Next year’s gonna be an expensive one.
Thanks on the refi congrats! The coolest part about the whole thing is that we had looked into it but because of the fees/points/reappraisal and the max of 1.25% deduction, we determined that it wasn’t worth it because the skipped payment would cost us less than the refi would.
I started back to school in 2010 and insurance at that time was right around $2000 a year. At the time I thought I’d be finished in 2 1/2 years so to pay that much for insurance that I couldn’t even use for the first year due to preexisting stuff? No thanks. Plus, I just didn’t have the money.
Obviously, congo, you should just forgo the mortgage and move to Ohio so that you don’t have to pay for the insurance!
I’m not sure about the vaccines and stuff. I started school 20 years ago :eek: and it obviously wasn’t an issue then.
You started…college 20 years ago? I thought we were the same age.
I hope I never have to go without insurance again. I got very lucky the two times I was without (got very sick both times - ER screwed up the bill for 2 years and when I complained they cleared it for me and the Urgent Care doc’s medical assistant was my best friend so he (the doctor) only charged me for the actual treatment, not his or the nurse’s time - twice).
Funny thing about insurance though - my current insurance comes with prescription coverage. I’m not used to that. I take two prescriptions every day. Both of them cost less if they are processed without the insurance. One is $20 and one is $8. With the insurance copays, it’d cost me $50 every month. Stupid.
'nother funny story about insurance - The second time the Urgent Care doc only charged me for treatment, it was for a cortisone shot in my elbow. I had already had surgery (and lost my job) for the other elbow but worker’s comp refused to cover the second elbow. I was without a job, without insurance, and without the ability to get a job because of the inability to really use my arms very well. While waiting for the shot, my best friend and I were talking about my insurance problems. She said, “ya know, if you go to Quinsig, you get the school insurance and the financial aid will pay for it!” So, because I needed insurance, I went back to college. Sixteen months later, I have my Associates and am currently working on my dream degree to get my dream job - something I gave up on ever achieving over 12 years ago! The lengths I will go to avoid being uninsured…
I was terrified at first of the idea of being without health insurance. But when it got to be $600 per month for single coverage right at the time that my business was failing, I just had to let it go. The irony is that I was very worried about losing my mental health coverage, but when I did I ended up at the local ‘free clinic’ where I happened to find the best prescriber and therapist that I have ever known in all my years of being treated. Now, of course I can go to University Health Services for most everything else. And, of course, the emergency room for emergencies. I’m also lucky in an odd way that my income is so low that I qualify for the hospital’s freebie program most of the time for that, too.
I am a highly immature and irresponsible 37 years old. How old are you?
Why is my head throbbing? It’s hurting so much that reading comprehension is a bit muddled. The talk above about sour clementines first hit my brain as headstones. Not sure how I misread clementines as headstones - other than ending in nes, the two words are rather different. I’m definitely giving the autocorrect a workout tonight…
Think this will be an Ox night. I understand that there will be several weeks of variously good and bad times post-op, but the bad ones really do suck.
Seriously, dude, take a 'lude.
No warning issued.
twickster, MPSIMS mod
I dunno, does** Swampy **look happy in his posts? I can’t tell.
Congrats! I’m very happy for you,** Swampy!**
I’m 32 - I have bursts of maturity but then my irresponsibility kills them.
Geroff my lawn!
Blurf.