I'm not grateful for allergies. I'm not grateful for having to buy Allegra D 24-hr 10 at a time. However, what I am grateful for is having switched from Walgreen's to CVS for my medicine purchases.
Why?
Well, for one thing, CVS has their Allegra at $2 cheaper than Walgreen's.
But what else makes buying it at CVS much better than at Walgreen's? It's the $5 off $15 purchase coupons they keep sending me!
Technically, these coupons are NOT supposed to be good on ephedrine purchases. But apparently the register at my local CVS doesn't know that. I even mentioned it to the person ringing me up the first time ... they basically said that if it takes, it takes. 
So ... a picture of something that makes me smile - my CVS receipt showing $6 in coupons taken off.
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Tonight I went to a free pizza dinner at a local restaurant sponsored by a local brokerage for first time home buyers. It was really good (although I could only eat the cheesesticks - oh well.)
They had a realtor talk to us, a title insurance person, a home inspector, a mortgage originator, and a home warranty person. There were lots of good questions posed by people there.
After it was over I cornered the poor mortgage guy and bombarded him with more questions.
One of them was clarifying about the employment time period. He told me that a period of no employment of six weeks would not be an issue!!
So ... that means that maybe, just maybe, I won't have to wait til August ...
I also asked him about how disparate credit scores are handled. He said they are averaged. 
But he also told me that if we (NE and I) came in and sat with him, he would help us figure out a game plan on how to get NEs score up so that the average would be higher.
I also asked him about roof replacement costs, building fences, landscaping, etc.
Overall, I really liked everyone who made presentations and am REALLY glad I went. I wish NE would've been able to get someone to cover a few hours for him tonight so he could've gone as well. Oh well.
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I'm debating heavily if I should sell the ten shares of my electric car stock now before they tank worse ... It seems as though the market is just going to keep going down this year, and if that is part of the money I want to use for my downpayment ... I'd just hate to sell them now, then have them go back up a month later. A week ago those shares were worth about $1300 more than they are now.
If I wasn't in saving all my pennies mode right now, I'd probably be BUYING stock!
365 Days of Pictures Which Make Me Smile #11
January 12th, 2016 at 02:53 am
January 12th, 2016 at 11:27 am 1452598054
Glad to hear you found the information session so helpful! Also our sharemarket has been tanking and I have been reading if you need to sell this year sell now because it is supposed to be "a cataclysmic year" everywhere around the globe. How true this is, I don't know. What if the brokers simply want everyone to sell sell sell so they can earn brokerage on the sales? Hard to say. But if you've lost $1300 from a week ago.. Maybe for your own personal situation, research and make a decision as this is your house deposit money. It's not as if you're happy to wait until the market improves as people do with longterm investments (ie retirement funds), you have a purpose for this money. Ps I wish I could buy more stock too as mine are low! (But we're in low season so spending is at a minimum)
January 12th, 2016 at 01:10 pm 1452604237
What you've been hearing is what I've been hearing. I'm worried if I don't sell soon, I'll need to sell more than ten shares to do what I want. I'd really hate to sell more than ten. So am really leaning towards selling.
January 12th, 2016 at 04:45 pm 1452617133
January 12th, 2016 at 09:19 pm 1452633579
January 12th, 2016 at 11:08 pm 1452640093
VS - I decided to put a stop loss on it at 203. at 203 I'd still be able to get a decent amount for my down payment fund. It didn't get that low today (I think.)