CDs and Friday Fives

CDs have been sent to Los Angeles, Richmond, Englewood CO, Philadelphia, Bedford TX, and Chicago (Sheridan St.). A package was sent to NYC. A bigger envelope is waiting to go to Chicago (Wolcott St.), but I need to need to burn a CD to throw in there first. It'll go in tonight'a mail. With a little luck, y'all will be enjoying your tunes (and other stuff, for a couple of ya) on Monday, maybe Tuesday.

( Sophie's Friday Five )

( Shoes Friday Five )

Skee-rood

Okay, so in August of 2001 I got laid off from my current company, only to be hired back 2.5 months later. With me so far?

I have two 401(k) loans. Yeah, I know you aren't supposed to borrow from your retirement, but I did. It ended up being for the best since i'm paying myself interest (At 1998's rate) instead of losing money in my mutual funds. Anyway, I wasn't making payments to the 401(k) loans when I was laid off. And they forgot to restart them when I was rehired. So I was four months behind on my payments. Still following?

It wasn't a big deal, I was told. Our 401(k) company would just extend my loan payments by four months and I'd make it up at the end. Big whoop. Easy Peasy Japanesey. But then the government stepped in.

It turns out that there are new laws regarding 401(k) loans, and if you're more than one month behind on your payments then you are considered in default and have to fill out stupid government forms and pay stupid government fines. And the law goes into effect on Nov.1st. So now I need to come up with $1200 to catch up on my loans. I don't have $1200. My company, in what is sincerely a benevolent move, has decided to loan me the money. So they're going to issue me a check for the money, then take out my 401(k) loans at 5x rate for the two October paychecks to catch me up. Then one of my 401(k) loans will be done and the other will have about a year of payments on it. And I have to pay the loan off over that same year. The result is that I'll have to take a little MORE out of my check every month now. Not a lot, but enough. Good thing I'm being so budgety lately, I guess. I'mma need to be.

The good news, I guess, is that the loans will be paid off four months earlier than the plan. Then I can take out another loan and do it all again!

PREZZENTS!

Okay, who loves me. Well, a lot of you love me. But who bought me Monsters, Inc.? I came home today to find it in my mailbox, sent from superduperclub.com, but with no note as to who sent it! just_a_chick_03, was it YOU? BIG SMOOCHES to whoever it was! MWAH!

I also got my CDs from Zyada! Yay! She gets big smooches, too!

I'mma go watch my new dvd now! :)