20% is pretty typical, but if you are a first time
Posted By: me on 2007-05-01
In Reply to: lending tree dot com - any experience.
home buyer there are programs that can get you in for less. Also, if you buy into one of the cookie cutter housing developments the builders usually have deals where you can put down as little as $1500 and they pay closing costs and maybe some other perks as well, like free washer and dryer, or no payments for 6 months.
I didn't get a mortage through Lending Tree, but did get a home equity loan. You just fill out their forms on-line and you get 5 quotes. They come one at a time and sometimes over a period of 2 to 3 days, some may even call, but every day you also get a comparison chart from LT that shows you all the terms of the different lenders so you can compare. We own our home, have excellent credit, and weren't seeking full equity, but some still offered high interest rates. There was at least a 3% difference in rates, some had free closing, others charges various fees. It doesn't cost anything to go through them and you aren't commited to anything. I would also check out ditech dot com. They advertise good rates and low closing costs. Supposedly Countrywide also has good rates, but I have heard of lots of problems with them from lots of people, so that would not be my first choice.
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every time I see one I am pretty much stunned!
the female has much less red on her - just at the nape as opposed to the whole top and back of head on male.
Not typical hillbilly
Most of us were taught to say yes ma'am and no ma'am, don't speak to your elders unless spoken to and then they were Mr. or Mrs. so and so, never first name. But I'm from the older generation and things have changed an awful lot. Sad.
Typical kids!
That's funny - only cause its not my child! You should apologize to your mother cause I'm sure you gave her atleast one headache over that. lol
typical of abusers
as long as (you) don't curse he will be fine.
So he's saying, "You made me do it." This is so typical. Everyone around them has to change, but they never have to. It's on the same continuum as rapists who say they did it because "she was wearing a short skirt." Utterly irresponsible.
typical male response
X
She looks like your typical meth-head. (nm)
.
Typical multilevel - good products but...
high in price. Melalueca is just like every other multilevel company. The people at the top make a lot of money. The ones at the bottom don't. I never liked trying to sell things, especially multilevel programs, to my friends. :)
She'll be the typical 15 minutes of fame...
person. Jessical Hahn, Amy Fisher, etc., known forever for their sexploitation and scandal. They all play the poor victim, troubled home life, drug abuse, no one loves me - wah wah, poor babies- but sure are smart enough to make a buck selling their stories, taking off their clothes for magazines and then pleading to be "left alone" and then want to be taken seriously. Prostitute, high class call girl, escort, whatever, you can dress the pig up, but it's still a pig!
Is cellphone bill of close to $400 a month typical?sm
I'm curious to know this. It isn't mine nor DH. I find it very high, but DH says it may be from texting or whatever. Person has state of the art "phone", which does many things, but $400?
Thanks.
No! That sounds too desperate. TIME. Just give it TIME. If it is real, then sm
something will definitely evolve. If you like him, flirt back! Don't act desperate because if he DOES like you, then the suspense will just make him want to get to know you more. Trust me on this.
I worked in the medical records department of a hospital when I was single and dated a few co-workers in my early 30s. It was fun. Nothing serious came about any of the relationships.
This sounds like fun - the beginning of maybe something to come....Keep us informed.
Totally agree, get these from time to time since teens...sm
It's a neuro condition, it does not mean there is anything at all wrong with you, it is actually related to narcolepsy, hypnagogic (sp? I just got up!) hallucinations, etc. And I HATE when I get these, it is always freaky, my siblings get this too, at times. I can "go away" for years and years before you get another episodes, so don't worry! I heard that when you are under a lot of stress or are very busy with things that this happens more??? Take care!!
It's time to stop when you or the kid(s) feel it is time, and no sooner. sm
My grandmother (who passed away at the young age of 107 back in the mid 1990s) was STILL celebrating every little holiday for all of her many kids and grandkids, and she would STILL give me a chocolate bunny every Easter, as she had since I was a toddler and even though I was 40ish at the time (and I still delighted in biting its head off in front of her, as I had also done since I was a toddler, which always met with mock disapproval from her).
Don't let anyone dampen your joy in celebrating your traditions.
that is a pretty big
generalization... you can't know everyone's story and how they ended up with bad credit. There are people out there who are irresponsible and do earn it and sadly many people are also taking advantage of the bankruptcy laws in the same manner, making it harder on those with true misfortunes or catastrophes. But don't stereotype everyone into one group, it isn't fair to do that.
I like that name that's pretty
Have others over, pretty soon will not have
to worry about that with the parents of the other child calling? She said parents almost did not let them come over again. If I were the other parents probably would not think visiting this child would be a good idea on second thought if the husband acting up. I might opt for entertainment for the children somewhere besides where he would be unless he could keep that trap shut.
Pretty much....
The thing is, it's not guaranteed either. It "may" prevent you from getting HPV. The thing is, with regular paps, you can prevent/detect/treat just the same. I just don't feel they have done enough research on this vaccine to have released it and a lot of the severe side effects that have been experienced are really troubling. I know there are side effects with everything but there seems to be an abundance of really severe side effects and some girls have died from it. Also, from what I ready, it is only good for 5 years. They are now saying young women (ages 24 to something, can't remember if it was 35 or 36) should also look into taking it. I would just prefer to stick to my yearly paps as I know they are not going to cause any side effects. Also, as another person stated, we don't know what kind of effects these will produce down the road. It's just scary that they will come up with something, only test it for 6 months, release it and expect it to be made mandatory for girls of certain ages, and without really knowing if there are any long-term effects. Anyway, sorry for rambling. :)
Pretty dog! nm
nm
Fox is so pretty!!! sm
I'm so sorry to hear about your loss. I think it's wonderful that you posted this information for others to read. I had never heard of dogs tracheas collapsing, so this was new info I learned. Thank you for sharing.
Pretty cat! (sm)
The Christmas packages without bows reminded me of my cat, Flannel, who had a bow fetish. I could never leave wrapped presents around once bows were on because Flannel would sneak in and pierce every bow with her teeth. I saw her do it the first couple of times and she'd close her eyes and chomp with a look of ecstacy. She was a freak. 
Pretty?!?
..She looks like a he-she - she looks manish with a strong jaw. I really don't see where people are calling her pretty.
It's sad, so sad that women will sell their bodies to attain a lifestyle of comfort. It's sad that a man in Gov. Spitzer's position of great power, influence, and celebrity, would buy sex. These characters are examples of the lower base human beings. I don't feel sorry for the girl. I don't feel sorry for the gov. Theirs is a gross and base existence. No souls inside of them. There are plenty of people who rise from abuse, terrible pain and injustice, and became decent human beings and exceptional ones at that. What these two did, anyone can do, common, but most human beings rise above the animal in them. What they did any animal can do. The girl will go on to pose in a nudie magazine, cry about how misunderstood she is, boo-hoo,and make millions. He'll get some type of so-called rehabilitation and all will be forgotten until the next sex scandal. There is a fine line that divides humans and animals. We know what side they were on.
Yep, that's pretty much what I think, too.
We have our little spats but things are pretty good and I wouldn't trade him for anybody else (obviously). 
I'm pretty sure....
the Total Pay card is not affiliated with a bank. It used to be affiliated with US Bank, get 2 free tell withdrawals a month and 2 free ATM withdrawals a month, but they no longer are affiliated with them that I know of. You could probably Google it and find out. I know my friend had one and she could actually put money on it, despite her pay being direct deposited on it. I could never put money on mine, except for the direct deposit of my pay.
Pretty name : )
Thanks for the stats. It is always fun to hear. Not matter which way her hair color goes, I'm sure she will at least have some red highlights. Very pretty!
Another thing I told my daughter is to not take her baby too seriously when he gets into a crying fit. He has a bit of her emotional personality. He will get wound up and then need to scream it out even when he has gotten what he needs. Lol Sometimes it can feel like they are yelling at you or something and gets upsetting (especially when tyring so hard to be a good mother). I told her just realize he has emotions bursting out and just let it happen.
I will say that looking back at when my kids were babies, you can really see their personality right from the start. :)
Ooooh pretty!
Yeah, it is pretty bad, when you
pull out your Stedman's and there's a dust bunny on it larger than the cat! lol
Googling, googling, googling....... away!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
It was pretty bad, at one point she was trying
way too hard, did you see her body jerking? It was bizarre. And she still couldn't get it out nearly as good as either one of the other two girls. She's never been a great singer, it's been said often. Just another one that's more show and not so much talent pushed into the biz by her parents. I never really followed her music and have to say I was very surprised she was that bad.
all of those plants are pretty well known -
but how many flower arrangements have lillies - and I had never heard about that. So - no cut flowers either. Nope, he had never had any wet food in his entire life. The vet is still perplexed - we have done renal ultrasounds and blood work. His BUN and creatinines were off the charts. I frankly don't know how he is still alive at this point.
Well said!!! Pretty much sums it up.
I wish more people in the world thought like you. It would be a much better place. =)
Maks is pretty hot too - at least he's
still around.
Feel pretty much the same way
I don't get why people just believe the whole god/bible thing. People tell me it's faith, which is great for them. However, I'm more of a science based, believe it when I see it type of person. The bible to me is just a big book full of fictional stories without fact that people have been brain washed for years into believing. I'm not one to just believe things blindly without questioning, and that's my big problem with religion/faith/god/whatever. In my opinion, it's quite silly to just believe it because someone told you to. People don't normally do that with anything else, but for some reason they will do that when it comes to god. Don't get me wrong, I don't think they are bad for it, I just really don't get it. 
I think Kaitlin is pretty. NM
d
Pretty Woman nm
!
Fox's is getting pretty ragged
I got him the lavender one. Only one of the squeakers works now, there is a rip in the seam, and it is just generally raggedy-looking. But it's his Bobo! 
Pretty sure he's done that too - no proof (sm)
He admitted it once but then took it back immediately and denied it from then on. So are you still with your husband?
Now THAT's pretty funny--
xx
It is pretty individual sm
I had the same August 29 of last year. I was working on my second day home (not a full shift, but a couple of hours), taking all my vitamins, water and food with no problems since day one and following all of my doctor's orders. I had minor pain, but mostly relieved with Tylenol after three days or so.
Then I see people who said they couldn't work for six weeks, even at a desk job, couldn't eat a thing and went to the hospital after four days for dehydration because they couldn't stomach more than five ounces of water a day.
Good luck and speedy recovery.
Pretty calico!
She looks like a queen to me ... if she wants to march across the counter tops, what are you gonna do?? hehehehe
Admit it...pretty!
/
...NM up there. I'm pretty much collected out now, though. Got
s
That's a pretty dog and I'm sorry you got bashed
I know there's zillions of folks that think all dogs and kids should run free doing whatever they darn please 24/7, and they all seemed to have jumped all over you. But I say, thank you for not being one of those people and training your dog - and loving him too!
No...actually he was pretty neglected...
and we were young when we met. He had never recalled being hugged by his mother, no story times... He didn't even know his ABCs and he was 14...The woman left these kids, ages 8 and 4 to live ALONE, while she lived across the street with her boyfriend...Neighbors would drop off food on the doorstep, but no one called social services back then. This woman is a class act. I loved my ex deeply and nurtured him even as a teen and he treated me like a mother figure at times...He still keeps in touch with me and we are close, as we did bond young in life and he had a horrible life.
What a pretty baby....sm
Glad Buck got to spend time with you, even for a little while...He was a real beaut. Cat
No, but Heather is a pretty name. NM
z
Pretty in Pink
Iona: Does he have strong lips?
Andie: How can you tell?
Iona: Did you feel it in your knees?
Andie: I felt it everywhere.
Iona: Strong lips.
Just goes to show even pretty
people can be insecure. She definitely didn't need any work. I really don't think people age right after plastic surgery, which is why they go back for more.
i'm pretty sure it was a garmin my
daughter just said her boyfriend got -- that it will TELL you which way and when to turn, so you don't have to take your eyes off the road. Sounds pretty good!
Thanks you! I wanted to say that you are a very pretty
doggie mom! (If that was you in the picture). They are soooooo lucky to have you! Have a great weekend and kiss those babies for me!!!! 
Pretty scary, isn't it?
I just don't know how much worse this nation must get before it is worse that Sodom and Gommorah. Those cities must have been wicked beyond compare. Part of me says "Wait just a little longer, Lord" but another, ever increasing part of me says "Come even so Lord Jesus."
Yep. I actually did pretty good with (sm)
selling stuff. It was just the part where I had to get the shakes to the cars that was the problem. I had that job for over 1-1/2 years, and to this date I still can't skate. ROFL.
The first one is pretty manly looking...sm
so you could probably wear that one, Tech. But, forget the high heels and wear muck boots instead.
That's pretty cool! My cat already has a
bed set up on my desk, but she still insists on standing right in front of my monitor. So, I have these little 'barriers' of odds and ends and other assorted stuff on either side: Kleenex boxes, cups, a vase, a camera, a pair of binoculars, stuffed animals, and MT books - to keep my working space clear, but now my desk always looks like a tornado hit it!
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