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Lepolt, you Dummy!
By Jonathan | April 17, 2008 at 11:47 pm
Ever since Abi and I signed a new lease for our apartment back in June of 2007, we had been talking about buying a house. The timing then wasn’t right; we didn’t have enough money for a down payment, neither of us had real jobs, it just wasn’t going to happen. For the past few months, however, we have been talking more and more seriously about making this rather large purchase. Lately I have been doing my research on mortgages, houses, and the like. For Christmas last year my mom gave me the book, Home Buying for Dummies. Maybe this was a devious crack at my intellectual capabilities, or maybe she was just looking for a convenient all-in-one reference book on buying a house. Either way, lately I have found myself opening the cover and reading a bit more than I did back in December.
Chapter 7: Mortgage Quandaries, Conundrums, and Paperwork
I was skimming this chapter tonight about all of the nasty paperwork that is required for final approval on a mortgage. Most of it was pretty straightforward, and I really didn’t see anything out of the ordinary. “Don’t lie, tell the truth, sign over your firstborn son, tell us about all of your assets,” and those types of things. I eventually came upon Section III of the Universal Residential Loan Application: Borrower Information. Okay, no big deal, this is all standard stuff: name, date of birth, SS, present address, previous address, years in school…
Years in school…
This is a direct quote from the book:
Yrs. School simply means how many total years of formal schooling you have under your belt. If you graduated from high school, you’ve had 12 years of schooling. Two- or four-year colleges add that many years on top of 12. If you were silly enough to go to graduate school, add the number of years that you spent toiling away for those additional scraps of paper to hang on your office or den wall.
Even the authors of this book published in 2006 are calling me a dummy. Why did I go to grad school? I dunno. Was it a good idea? I dunno. Would I do it again? I dunno no.
So what is the moral of this story? If you are or have ever thought about going to grad school, don’t do it. Will it be beneficial for me down the road to have an advanced degree? Maybe/probably, but the pain and suffering and anger and frustration and anger .. and anger that I’m going through right now just might not be worth it.
At this time, however, I must stand by the words of advice spoken by one of the biggest rednecks ever…I have no choice but to git-r-done!!!
Topics: books, home buying | 4 Comments »
April 18th, 2008 at 4:24 pm
Yeah, I had that decision 3 years ago, MIS or start making money? I choose money
April 19th, 2008 at 10:16 am
I knew you would come around Jon. This is how it all starts…you start speaking the lines next thing you know you and I will be shopping for shotguns. Oh and I know you secretly listen to country music, don’t lie to me.
April 21st, 2008 at 7:50 am
Seriously – with one semester under my belt and 2 years in the working world – I can say that G-school is a complete waste of time…you may learn a couple things, but at the end of the day you’ll have the same degree as all those foreign kids who sit in the back and cheat like their parents will disown them otherwise…
April 21st, 2008 at 8:22 am
Well, the good news is that everyone is so supportive of my decision to go to grad school.
As for the foreign cheaters, you’ll be happy to know that they’re most definitely still around.