Mulch Bandit

Why is it that you run into people you haven't seen in ten years on the one day you forget to dress like a non-slob or put on makeup because you're gardening and just dashing into Lowe's to pick up two bags of mulch for your grandparent's roses?

So, hypothetically,  you're wearing yoga pants and a rugby shirt with your hair in a ponytail so high it would be more appropriate on a two year old (but who cares because it's keeping it out of your face).  You probably have dirt smeared across your forehead and cheeks.  It's a good likelihood that you have on flip flops that have seen better days - and those better days were two years ago.

There you are, a huge bag of cedar mulch propped on each shoulder, sweaty and dirty, waiting on the cashier who is possibly the slowest person to count money in the history of the world.  There he and she are.  A former football player and a former cheerleader.  Granted, they have both put on their fair share of weight. But they are clean, they are wearing clothes that Goodwill would not give back, and they have spotted you.

Of course, they spotted you.  You couldn't heft those bags of mulch any higher to cover your head.  They head your way, but since you haven't yet made eye contact you are using all of your Jedi mind powers to try to force the cashier to count the money faster.  Why didn't you just use your credit card?  Finally, she's done.  You clutch the three dollar bills in your hand and bolt for the doors.

They call your name with a hint of question in their voices.  They think it might be you, but they haven't seen you in ages, and they think you are supposed to be living in another state.

Don't pause.  If you give even the slightest indication that you are indeed who they think you are, you're stuck. Run, my friends!

Just make sure not to accidently set off the security alarm on your way out, or that really slow cashier will prove that she is just storing up energy waiting to catch would-be mulch thieves.   Which means the people you were avoiding will catch up with you too, and you will have to stand there, sweaty, dirty, and holding a leaking bag of mulch while they prattle on about their kids.

So you plot while they babble on.... 'next time, I'll wear sunglasses.  No one recognizes me in sunglasses.....' 

Mr. Banker Man

I appreciate the fact that lending practices have become much more strict since the huge housing/crazy mortgage crisis we went through the last couple of years.  I agree that people should be held to higher standards and should only buy houses that they can afford. That being said...

I am still frustrated as bear with his nose stuck in a beehive that it is apparently darn near impossible to get a traditional mortgage after graduating from medical school.  Now, I know very well that I have a huge amount of student loan debt.  It's part and parcel of going to medical school and then getting a master's degree after that.  Oddly enough, those things cost money.  Money that I will be paying back.  Over the next thirty years.  So Mr. Banker Man, yes, I do already have a monthly payment on my brain that is just slightly lower than my proposed mortgage payment.

Also, Mr. Banker Man, we decided to be very conservative in the size of house that we would buy.  So yes, we carefully budgeted and applied for the loan only on my tiny little resident salary. We figured if we could get by on my salary for monthly expenses, Mr. Banker Man, that we could use DH's salary to do other things.  Like pay off those rascally student loans. Or plan for retirement. Or get haircuts.

I understand that these may be foreign concepts to you Mr. Banker Man. I understand that no matter how many times I offer, you won't let me use my brain as collateral.   I understand that you see things in black and white now, not all those delightful shades of grey that allowed you to hand out sub-prime mortgages for the past few years like the money would revolt and perform a military coup if it stayed in your bank too long.  I know that if I had walked into your bank two years ago, you would have been throwing dollar bills at me and I wouldn't even have to take off my clothes.  It's not that era anymore.

It's a shame.

I think we could have been friends.

Reunions

I've taken pretty good care of myself since high school.  I eat right, except for those occasional lapses in judgement I have when faced with homemade ice cream or really dark chocolate.  I'm active; heck, I even gave in and joined DH's kickball league this spring.  I don't smoke, I avoid abusing my liver, and I am one of those people who never tried any drugs because I was pretty sure I would become instantly addicted and be forced to live in a gutter somewhere selling my blood to get money.

So when my ten year high school reunion rolled around, I was pretty pumped.  I have a bunch of fancy papers hanging on my wall, I feel like I look good, I'm thrilled with my life, and I have a charming husband.  This is a far cry from the oh-so-painfully nerdy chickadee I was in high school. I was going.

Of course, I was also looking forward to seeing everyone.  

The picnic they planned for lunchtime was rained out.  DH and I drove to the park in the downpour just to make sure that there weren't drenched children playing on the swing set with dry parents tucked under the pavilion.  There were not.

Reunion part two was a dinner at my least favorite restaurant in the whole town.  However, as I wasn't planning the reunion, I felt I had very little room to complain.  Around sixty people graduated from my class.  Not a huge class, but most of them live within a twenty minute drive of our hometown.  The majority of them live within a three hour drive of our hometown.  I live twelve hours away.   One would think that those who could walk to the restaurant without breaking a sweat might show up.

Counting myself, six people from our class showed up (plus spouses). Two of them are married to each other, so I think they should count as one person.

Six.

Now don't get me wrong - I was very happy to see those people again (plus spouses).  However, one of them hadn't even known there was a reunion happening until I called him two days before.  Which means the one organizing the reunion had a turn out of five counting herself and her husband (a fellow classmate).  So that brings her total down to three. I think I saw that many classmates when I was wandering through the Wal-Mart the day before.  It is a tiny, itsy bitsy possibility that this was poorly planned. 

None of that fazed me overly much, because of the most important part: I cleaned up pretty well. 

Wait up!

I had a lunch date with a dear friend of mine a week or so ago.  We had agreed to meet at Punch's Pizza, a Neapolitan pizza place that always convinces me I need to eat an entire pizza by myself and not share with anyone.  I have fork tines sharpened and poised to attack anyone who gets any ideas about sampling my Margherita without advanced notice.  All that gooey buffalo mozzarella and that heavenly basil and those juicy fresh tomatoes.....yum.  But I digress. 


I arrived shockingly early by an entire five minutes.  I was very proud of this.  The line was pretty long and getting longer, so I decided to go ahead and get in line while waiting for Linda.  Every few minutes I would let a couple of people go ahead of me so we wouldn't be throttled when she came in and slipped ahead of the growing crowd.  After about twenty minutes the door swung open to let in a new gaggle of co-eds, and through the downpour I saw Linda searching the crowd.  I waved and called her name.  Still she scanned the crowd. I waved again and hopped up and down a little bit.  She turned and headed up the sidewalk.  The heavy wooden door slammed behind her.  


Shoot.  I excused myself from the line and headed after her.  That woman walks fast.  She was about half a block ahead of me, and I was trotting after her in heels sans umbrella in the rain. 


"Linda!"  She must have thought I came and left when she was late.  Gosh the traffic is loud here.  Are there noise ordinances on these buses?  My eardrums hurt.  


"Linda!"   I'm gaining on her.  Just a few more steps.  Oh, come on!  Seriously Mr. Traffic Light?  You just had to change right before I got there?


"Linda!"  


I dashed across the intersection as soon as the little man turned white.  I grabbed her shoulder and stuck my head under her umbrella.  

"Linda!  Thank goodness!  I've been chasing you for three blocks!"




Her name was Stacey.  

Bubble wrap

I know that I may come across as more of a Rat than a Pig at times, but I like people in general.  It's people in specific that get to me sometimes.  Our first mortgage guy is an excellent example.

We'll call him Timmy.  It suits him.  We were referred to Timmy by a friend.  I have now vowed never to take mortgage advice from friends or family.

Timmy was aware that we were going to The South for two days to choose and make an offer on a house.  Because of the short time frame we had to choose the house, we needed to get pre-approval before we left.  He assured us this wouldn't be a problem since we had three weeks until we flew out.

He didn't call us for a week.

After we repeatedly called, he made an appointment for us to meet two weeks before we had to leave. He apologized briefly and explained he had been in training all week, but assured us we had plenty of time to get pre-approved.  He then explained that even though DH will be employed past the time I will start my job, he wanted to only use my salary for the pre-approval.  This seemed odd to me, but I'm not a mortgage broker. 

I handed over my five year contract and salary to Timmy the Wonder Broker. 

He read it.

Timmy reads really slow.

"So, you're sure you're going to be working there for five years."

Well, it is a contract that has dates equaling five years written on the front page, so yeah, Timmy, I'm pretty sure.  

"Yes, that is correct."

"This salary says that it's correct starting July 25, 2009.  What will you be getting paid?"

Since it's correct starting in 2009, and we are now in 2010, odds are that I'll be getting paid that amount Timmy. 

"That's the listed salary for my position."

"But what will you do for income after five years?"

Maybe he doesn't understand medicine.  I'll give him the benefit of the doubt. 

"I'll probably do a fellowship for three years.  I get paid for that too."

"But then what will you do for income?"

Nope, he's just a doofus.  

 "Then I'll be a surgeon.  I get paid for that too."

"But are you guaranteed a job then?"

You have to be joking. I have a five year contract, and he's worried about what I will be doing for work eight years from now.  Does everyone applying for a mortgage have to prove they will have work for the next ten years?  My job is more secure than his job right now.  I'm willing to bet you don't have a five year contract Timmy-boy.

"I'm not guaranteed a job, but the odds are very good that I will be working somewhere.

"You guys are great on everything else, but this is highly unusual.  I'll have to talk to my manager about this.  It shouldn't be a problem."

That's the last we heard from Tim-Tim-Cheree.  We called.  We emailed.  No response.

We found a house I loved.  The only problem was another couple loved it too. We had our bid in first, but we needed one more thing.

A pre-approval letter.

We called Timmy-poo.  He said he was working on it, but that it was unusual and no one he worked with had ever seen a salary like mine. I found this hard to believe as thousands of people graduate medical school every year,  a large portion of them get mortgages during their residency, and he worked for a large bank.  Niche market, maybe. Unusual, no.

So I gave his number to our real estate agent.  She is a Southern woman through and through.  Sweet as sugar with a backbone of steel.  She talked to him for about five minutes.  He told her he was trying but that it was a very unusual case, and that he would have the letter to her in 30 minutes.  Three hours later, we had the approval letter and Timmy had really ticked me off.

We were easy money. He hadn't been forced to expend any effort to find us.  We came to him.  We gave him all the documentation before he even met with us.  We had a 20% down payment.  We were both employed. We had rock star credit scores.  All he had to do to get his commission was put the paperwork into the system.    He just blew us off.  I guess I'm just used to people thinking doctors make too much money instead of worrying that they won't make any money.

When we made it back to The North we switched to another broker at the same bank. Let's call him Tommy.  He entered a new request and had everything ready to go in two days. Tommy also used part of DH's income because 'we assume you will be working somewhere when you move since you have had stable employment for the past five years.' Tommy is awesome.

Timmy....well Timmy makes me feel a bit more like Rat.

*Pearls Before Swine is copyrighted by Stephan Pastis and is my absolute favorite comic strip.

Bless his heart

DH and I were taking pup for training this weekend, and the conversation turned to aprons as it rarely does.

I had found some adorable aprons on sale, but resisted buying one.  DH has a thing for women in aprons. I think it's the whole "Susy Homemaker" thing.  Barefoot, not pregnant, and cooking.  That's me lately. Anyway, DH was all excited because he thought  I meant manly aprons - the kind with bottle openers and barbed wire built in.  I did not.  I meant frilly feminine aprons that made me feel all 50's housewife.

DH sighed.  "At least I still have the apron from my mom."

Oh dear lord.  Have I told you guys about this apron?

From the front, normal apron.  Nice pattern, big pockets.  Then you look at it a little closer.  Something seems.... amiss.  Something seems.... different.  Something seems... bulging.  So you look a little closer.  The apron flaps up in the brisk breeze from the kitchen fan.

And you see them.  Twigs and berries.  Mr. Goodwrench and the Michelin Brothers.  The family jewels.  This apron has a fake set of male genitalia made from pantyhose and pillow stuffing attached.

My husband and brother-in-law love this apron.  Which brings us to the next point:

"Matthew and I are going to be be fighting over that apron. It's the best apron in the world."

I peered at this adorable man I married over the top of my sunglasses.  "Matthew can have it.  If it makes it into our house, Mr. Apron will be singing soprano post surgical removal of his business."

DH glared at me.  "You wouldn't dare.  Q, that apron is a work of art.  Would you go hacking away at a Monet with a scalpel?  No.  It takes real genius to create something like that."

Wait.

Hold the phone.

Did my husband just equate Monet to a pantyhose penis apron?

I made the right decision on procreation.