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About Creditchick

  • Birthday 04/23/1958

Profile Information

  • Location
    The Bates Motel - 1313 Hitchcock Lane
  • Interests
    Shopping and travel (what else is there)!!!
  1. Florida in August on purpose????? That's crazy talk. This weekend, I'm taking a quick trip up to Eugene, OR, with Squirrel. Memorial Day, we're taking a 3-day cruise with the kids to see how they like it (ultimate plan is for them to LOVE it so I can take them on longer cruises, and the H can no longer use their cruising inexperience to thwart me). I'm considering a Yosemite/Mammoth trip in June, to coincide with a race, maybe. I think that's it? We thought about Florida for the older kids, but the flights were just too expensive this summer. Lame. Memorial Day, we're taking a 3-day cruise with the kids to see how they like it (ultimate plan is for them to LOVE it so I can take them on longer cruises, and the H can no longer use their cruising inexperience to thwart me). As usually on the AAU Circuit with my husband the Coach and "Crip Girl" (who is healing nicely). Stops include Hampton, VA, somewhere in Jersey, Hershey park and a possible Kentucky tourney. After that, I'll be headed on a cruise as well. Sailing out of San Juan, Puerto Rico with Fam and Friends. Spending one day in San Juan to shop a bit (they have the best Coach Outlet) and then off to see the islands of St. Thomas, St. Kitts, St. Lucia, St. Martin and my favorite, Barbados. This cruise is also a graduation gift to my stepson who made it through 4 years of college!!
  2. Try the Courtyard Dupont Another suggestion is to stay in VA (Arlington, Alexandria) near a metro. Hotels are a bit cheaper and the metro is very easy to use. The metro offers a $14.00 one day pass.
  3. Nothing like watching folks do the "Cicada Swat Dance" . . . I believe the last time a species of Cicadas came to the DC area was back in 2007.
  4. I work with lawyers . . . so I'm pretty much a "babysitter"! I'm also a part-time maid . . . for free!
  5. And every once in a while, I'll pop in . . . Last time I posted, my daughter was in middle school . . . and playing AAU basketball. Fast forward, the chick is in high school. She's a freshman, made it on her school's varsity team. Was doing well, a couple local write-ups in the paper and then . . . she did a RG3! She tore her ACL and menicious (sp). Surgery was done last month and now rehab'ing. She'll be as good as new in September. The granddaughter is growing leaps and bounds too! She's 3 and a mess! Hope everyone is doing well!
  6. Since I have internal heat these days, I'm going with the 65 degree temp in the house. There are plenty of hoodies, sweatpants and blankets in the house if you need to warm up . .
  7. I'd like a do-over for the season's opener . . .Le Sigh Signed a NYGiants Fan
  8. No way in . . . I've been able to purchase jeans from Macy's for $25.00 and under . . . sale and coupon!
  9. 2 charged in death of Ala girl forced to run ATTALLA, Ala. (AP) — Roger Simpson said he looked down the road and saw a little girl running outside her home but didn't give it another thought. Police, however, said the man witnessed a murder in progress. Authorities say 9-year-old Savannah Hardin died after being forced to run for three hours as punishment for having lied to her grandmother about eating candy bars. Severely dehydrated, the girl had a seizure and died days later. Now, her grandmother and stepmother who police say meted out the punishment were taken to jail Wednesday and face murder charges. Witnesses told deputies Savannah was told to run and not allowed to stop for three hours on Friday, an Etowah County Sheriff's Office spokeswoman said. The girl's stepmother, 27-year-old Jessica Mae Hardin, called police at 6:45 p.m., telling them Savannah was having a seizure and was unresponsive. Simpson said he saw a little girl running at around 4 p.m., but didn't see anybody chasing or coercing her. "I saw her running down there, that's what I told the detectives," Simpson said from his home on a hill overlooking the Hardins. "But I don't see how that would kill her." Authorities are still trying to determine whether Savannah was forced to run by physical coercion or by verbal commands. Deputies were told the girl was made to run after lying to her grandmother, 46-year-old Joyce Hardin Garrard, about having eaten the candy, sheriff's office spokeswoman Natalie Barton said. Savannah Hardin died Monday at Children's Hospital in Birmingham, according to a news release from the sheriff's office. The sheriff's release said an autopsy report showed the girl was extremely dehydrated and had a very low sodium level. A state pathologist ruled it a homicide. The sheriff's office received calls from concerned citizens who witnessed the girl running. No other details were released, but an official with the local volunteer fire department said rescuers thought something seemed odd when they responded to a call about the child. "One of the ones who were down there said he didn't feel like everything was right," said Ruby Ward, vice president of the Mountainboro Volunteer Fire Department. Gail Denny and her husband Phil, live just up a dirt road from the home. They've known the family since they moved to the area in northeastern Alabama seven years ago. The couple said they were used to seeing Savannah and other neighborhood children out waiting on the school bus in the morning. Gail Denny said her grandson had a crush on Savannah. "My grandson asked her to be his girlfriend on Valentine's Day, and she said 'yes,'" she said before dissolving into tears. She left a candle and stuffed animal outside the girl's home Wednesday night, saying a prayer as she paused beside the road. The trailer where Savannah lived was surrounded by a wooden fence, playground equipment and toys. Neighbors say they never saw children playing in the yard. They told The Associated Press that Garrard owned a lot of property along the road and much of her family lived in homes on that property. "It seems like a very happy extended family around here," Denny said. "There are mothers, grandmothers, kids. It sounds like a punishment that got out of hand." Garrard and Jessica Mae Hardin are being held in the Etowah County Detention Center, each on a $500,000 cash bond. Court records show that Robert Hardin filed for divorce in August of 2010. In his complaint, he asserted his wife was bi-polar and had alcoholic tendencies. He accused her previously of having run off with the couple's own child. In her response, Jessica denied all of Robert's allegations. Five months after filing for divorce, the two asked a judge to dismiss their case. Savannah Hardin was a third-grader at Carlisle Elementary School. Superintendent Alan Cosby said her desk had been turned into a makeshift memorial where her classmates could leave notes and mementos. He said counselors and social workers were made available for students. "This is obviously a very tragic, devastating, heartbreaking situation," Cosby said. "Nothing like this has ever happened before."
  10. I haven't seen the tape but after reading this thread I've come to the conclusion. . . I wouldn't have shot the laptop, it would have just gotten "snapped" in half. Said laptop has internet service (that I pay for) which means I have every right to check and see what's going on. I don't care if it was a gift from me, dad, granny, auntie, etc., you still need that service to use said laptop. As for the permanent scar, I'm not buying it. . . my uncle whoop my tail in front of my entire 5th grade class in the school yard, because I did something I had no business. Am I scarred (sp?) . . . heck no, I'm as normal as they come, but it taught me a lesson I'll never forget!!
  11. automated UW will go off of the date listed in the credit report any time before the 2 year mark it will deny. Thanks for your response but I want to make sure I'm clear, lets say your name was removed from the title May 2009, is it fair to say you can start the pre-qualification process June 2013 or before?
  12. While reading this link yesterday, I have another question that pertains to Bk/Foreclosure purchase http://creditboards.com/forums/index.php?showtopic=483142 My question is if OP had started the clock to be eligible in June 2012, could they be prequalified in May and get actual loan in June or would they have to wait until July to start the process. Or, could they start the process in June? Just trying to get a clearer picture. Thanks.
  13. Hummm - always tricky when it comes to responsibility after a BK where the home was included - typically if you continue to make payments (reaffirmed or not) the mortgage is still viewed as your responsibility in the eyes of a new lender considering you for a mortgage - in this case not reaffirming likely will not matter - as soon as you go 30 days late you will be waiting 12 months to be eligible - if you walk from the home then it will start the clock for a foreclosure which is 3 years - I am afraid you are not going to be able to buy if you do not make the payment and sell the home - had you handed the keys back to the bank at the time of the Bk you would have started the clock 3 years ago and been eligible in June - someone will correct me if I am wrong but I believe this is where you are at this point B Brian, if OP had started the clock to be eligible in June 2012, when would they be eligible to be prequalified for an FHA loan? A month prior or a month later?

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