Welcome to Smuggle Me

My wife and I have been looking all over for a house to buy. We even made an offer on a house that we thought would work out just great for us. Unfortunately, I think we got the order wrong, because after making the offer I went to the lender and learned all about what it would take to get a mortgage. Let’s just say that housing prices in Vegas just make me cringe.

Here’s a little look at what I learned about mortgages. First, I would not want to deal with bad credit mortgages. I have a clean credit report and a great score and even with all of that, there are challenges. I can’t imagine what someone with bad credit must have to work out to get a mortgage. I also learned some really interesting things about a short sell. Turns out that the house we were looking at is a short sell. I guess it’s essentially when a home owner needs to sell the house for less than his mortgage. Well, this guy had didn’t just have one mortgage on the house, but had either done a remortgage or a second mortgage or something like that. That was good news for us, because we thought that we could get a good deal.

Well, there’s a lot more to be said, but it turns out that we just couldn’t afford the down payment, closing costs and everything else associated with getting a mortgage. We could handle the payment, but the rest was just killing us. The good part is that I’ve learned a ton about mortgages and the process of getting a mortgage. I also know about my good credit score and my wife’s bad credit score. We’ll have to work on that one. However, the best thing is..

When we move from Las Vegas and we purchase a bigger home for half the price, we are going to be in heaven.
This post sponsored by Personal Loan Store.

I’ve often talked about how much I love Vonage. Today was another example of why I love Vonage. I can’t make long distance personal phone calls at work without paying. Since I don’t want to pay I just brought in my vonage phone and I can call to my hearts content. I wonder if one day work will charge me for bandwidth I use. Probably not.

Well, I must admit that I’m a little nervous for Vonage after the ruling on their patent infringement. However, I really think it will all work out and we won’t be any worse off than before. Sure, the price might change a little, but it will still be a great value. The worst that could happen is that they turn off our service completely and I don’t see them just flipping a switch and we don’t have phone anymore.

I did enjoy reading this article called Is Vonage Doomed? The clear answer was No. However, that doesn’t mean that they won’t have some rough waters ahead.