I used lending tree..good experience
Posted By: see message on 2007-05-01
In Reply to: lending tree dot com - any experience.
you do have options. If you fill out their form online you will have literally half a dozen banks bugging you giving you loan deals. There are a ton of different options for you. I ended up getting a great deal, no money down, first-time home buyer. I did not take the first deal I was offered either and that would be my suggestion to you. Don't be afraid to tell one bank you've been offered a better rate somewhere else. They will try to beat the other rates if they can to get your business. You will get the best rates and loan for you that way. Good luck to you on your home purchase. I would recommend lending tree definately.
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lending tree dot com
I am interested in buying a home. The banks here want at last 20% down. I am just wondering what other options I have.
Probably to him, it's more like lending out a hammer
I really doubt that he thought of that as much more than you lending out his hammer to a neighbor. I guess he would have felt stupid saying, "Uh, yeah, we have one but I better ask before I let you use it."
If it's ruined, ask him to get you another one of the same quality. Chances are though that it's fine and no worse for wear.
Schefflera/umbrella tree/ octopus tree
are deadly to cats/kittens as well.
Fake tree or real tree? Big or small?...sm
How about one of those old Evergleam aluminum trees with a color wheel? Wish mommy hadn't gotten rid of ours, darn it.
Copy and paste this link into your browser and enjoy!  Cat
http://www.oldchristmaslights.com/beyond_the_50s.htm
Giving/lending should be a choice
I prefer to make the decisions as to what, if any, possessions of mine should be loaned, and to whom. If I'm kept in the dark about it, it feels a lot like theft when I don't know where my stuff is. If I then discover its been spirited out of the house by a loved one, it feels like a betrayal.
The government already takes whatever it deems necessary out of my paycheck so I can be anonomously generous to whoever they deem needy.
It is very, very easy to be generous with other people's money and stuff. Example - next time someone wants to borrow something from me, we'll just come get it from your house. Obviously you won't mind, and I can feel sooo good about myself by helping someone else by handing them YOUR stuff. I'll try really hard to remember to tell you I decided to do that, so you can feel as great about it as I do.
sniff sniff. Has anyone here had experience with having to find a good home for your dog? sm
We have a 10 pound peekepooh who needs a good home. We've had her for 3 years now and our baby is highly allergic to her. She is an indoor dog. I've put this off for too long. I am so torn, but I know this is best.
She hates being outside. I will not take her to our pound. I've thought about pet finders, but I'm just confused. Don't want to do the local paper either.
What do any of you suggest? 
No experience with the program but definitely experience with the symptoms! nm
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Is your Tree up?
My Christmas tree won't go up till way closer to Christmas. We always get a real one. I know some people love to put theirs up right after Thanksgiving day! Some of us wait it out a bit longer.
When do you put your tree up?
Real or Fake?
X-mas tree
We put up tree 2-3 weeks before Xmas. Kids are 17 and 15 now and don't get as excited about it anymore. Last year, DD's friend who is Jewish helped decorate. She had so much fun because she has never done it before that it made it fun for all of us again.
And you know, the tree and the egg nog
Had LOTS to do with it :)... you can turn even the crabbiest HumBug scrooge into a rum-drinkin, holiday singin fool! And I appreciate that tons....:) Thanks.
Here is my Tree ...
Please post yours.
Our tree
Our tree
Sorry, it is kind of blurry...
Our tree
Sorry, it is kind of blurry...
Our Tree
It's way too small for the space, but we got it when we were in a smaller house with lower ceilings. I still like it though. Took this before I got all the presents wrapped.
http://forum.mtstars.com/misc/images/g7BP-g7BP.JPG
Real Tree
We just put our tree up today. A 10 footer that we paid $35 for which I thought was a great deal. We used to have an artificial tree until our cat started eating the needles (she won't touch the real needles). She got really sick (the needles stayed in her stomach) and she had to have an emergency operation. No more artificial tree from then on.
Real tree
I'll never do fake.
real tree
not bought, but hunted for; we love the smell of cedar throughout the house!
First fake tree ever!
I put it up last night and I have to say, it's quite impressive! Lots of lights, nice shape, easy to put together and even has a remote control to switch the lights on and off. I miss the smell of a real tree but not the mess.
The Education of Little Tree (sm)
I don't watch TV much, but found on a Google search and on Amazon
http://www.amazon.com/Education-Little-Tree-Forrest-Carter/dp/0826328091/ref=sr_1_3/102-4654440-8282531?ie=UTF8&s=books&qid=1194528822&sr=1-3
http://ap.google.com/article/ALeqM5hn9MPi92q2bX2QxOxZ5hRLrwaPywD8SOGA601
Education of Little Tree?
I did not see the View, but I do own this book and loved it. It supposedly was an autobiography by Forest Carter, but turns out he made the whole thing up, which ended up being a really disappointed me as I found the characters so real. I live in the mountains of WNC and am part Cherokee. Good to hear that your kids are into tribal life.
prelit tree
I agree with the others, I love mine and will never, ever have an old tree again. We keep ours in the garage and have for the last 2 years, and it still works! 
Artificial tree
My MIL has a table top artificial tree that she decorated around 10 years ago. At the end of each holiday season, she covers it with a sheet and puts in the back of the closet. I don't know if the lights even work anymore or if she changed them at some point. It is just really funny every year when we get it out of the closet, take off the sheet, and voila! grammy is ready for another xmas.
Our tree was not prelit but we don't take
the lights off now that they are on. We put up about 5 trees, all different sizes and my DH just puts them in the back of a pick up (without decorations) and puts them in a storage unit.
We always put our tree up the day after Thanksgiving. sm
we all sing-a-long Christmas songs to CDs while we decorate. I can't stand putting them up until after Thanksgiving. I have to close one holiday before i move onto the next, lol.
The other tradition i started with my kiddos is they always get to open ONE present on Christmas eve. that one present is always and will always be PJs. when they were little and i looked back on our Christmas pictures, i realized they were in whichever PJs they went to bed in. so then i decided every year to get them PJs for a gift so everyone looks nice for pictures the next morning.
The Cookie Tree -sm
Sprinkle Town
Scrumpy-Umpy-Umpkins
Cookie Jar Delites
Rainbow Cookies
Pretty Pony Cookies
My little dog and the Xmas tree...s/m
Hayseed you brought back the sweetest memory. Had a little lhasa apso named Blondie. One year the tree went up, got decorated, etc. Hours went by with no sign of Blondie. More time passed, no Blondie.. Started calling her name, looking from room to room, then looking outside for her. Nowhere in sight. About 1/2 hour later I just happened to go under the tree and there she was, laying on the green tree shirt and looking up at the lights. She spent about another hour like that and finally came out. It was the sweetest thing I ever saw........
You left one out ----- NO tree.
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Real tree...sm
I like tall and thin, but DH likes big and fat. This year, it's kinda tall and fat.
Education of Little Tree
GREAT BOOK!! I passed my book around to my friends and they all loved it too. My aunt even bought a couple as gifts to others. Easy read and very enjoyable.
Pic of our Maple Tree
It's just about ready to lose the leaves.
Our tree is undecorated until 12/24.
Maybe it's more a European thing. (My grandparents were immigrants and we lived with them.) Or it's more of a Catholic thing, but we observe the season of advent leading up to Christmas. We decorate the tree on Christmas Eve day, light it after midnight, and then observe the Christmas season through "Little Christmas" on January 6. Then all the decorations come down. A few of our neighbors do the same, but it seems that most people start Christmas at Thanksgiving and then have everything down the day after.
I do have a selfish reason for enjoying the Christmas season, which is that my birthday is 12/26, and I LOVE having Christmas decorations up on my birthday! People with "normal" birthdays in the middle of the year don't get to do that!
When do you buy your Christmas Tree? sm
What kind do you get and how tall do you get? We redid our living room over the summer and since then, at least once a month, I've walked around asking where we are going to put our tree (a big boxed tree that is a pain in the rear to put together and sheds about as many pine needles as a real one). I've decided (yesterday - haven't approached DH yet) that I'd like to try one of those tall skinny ones so I think that buying a real one this year would be better to try out before making the investment in a fake one that I might not care for.
One more question - any problems with your pets and a real tree?? Years and years ago, the guy at the tree lot swore up and down to me a specific tree (can't remember what kind now) that cats will stay out of - yeah right!! My cats still managed to drag that tree halfway through my apartment! LOL
We got our tree today
We went to a tree farm, took a tractor ride and cut down our tree. We have 12 foot high ceilings and usually get a 12 foot tree, but this year we put it at the other end of the family room, and we got an 8-1/2 footer.
We used to have a fake Christmas tree up until about 8 years ago or so when our cat began eating all the fake pine needles. Long story short she ate so many she had to have emergency surgery to remove them (she wasnt' able to pass them) and $1,500 later we decided no more fake trees. She's no longer with us, but when she was younger she would climb in the tree and actually knocked it over one year. We had to anchor it to the wall. Our other cat never really bothered the tree except batting around ornaments at the bottom. He's been over sniffing it today, but hasn't paid much attention to it over the past few years.
Christmas Tree
Real and anywhere from 8-1/2 to 12 feet tall depending on where we put it in our family room. It's up and decorated since Saturday.
Love your tree -- I am a big UK fan so that
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kitty's own tree..
I think that's a great idea!
Combined with the squirt gun when he tries messing with the big tree.. love this idea!
...and if he/she destroys the little tree, you can likely buy a replacement after the holidays for next to nothing!
Happy Holidays!
This will be the first year I might buy an artificial tree
with lights because I'm tired of fighting with the lights every year (both putting on and taking off) and I'm also sick of the mess of pine needles the real tree leaves as it dries out. Also my pets seem to like to drink the water in the tree stand which makes them quite ill - too much bother all around. Lastly - cost! Trees around here are $40 and up for a decent one.
REAL tree . . also nebraska MT (SM)
We just donated our artificial one to the school to place in the hallway; hunting down a real tree is the kickoff to our family Christmas!!! It's a special event every year.
I think he also fell out of a palm tree while
.
The Apple Does Not Fall Far From the Tree
I agree with you, Unhappy Camper -
There is little accountability in today's youth as a whole. The kids that are responsible, that know the consequences and live accordingly are the minority. Teens in the military are taught accountability and responsibility if they don't already have those attributes courtesy of their parents.
Interesting article I read in my hometown paper about an underage drinking party where over 25 kids were arrested for illegal possession of alcohol. One of the cops interviewed said out of the 25 parents that had to come and pick up their children, only one, ONE, told their child they got exactly what they deserved and that consequences would result. The others were mortified that their kids were being held, humiliated, and treated like criminals, then berated the cops for having nothing better to do, etc. We wonder why there are problems? The kids want the privileges of being an adult, but not the responsibility, thanks to mom and dad. One cop summed it up precisely. He said when he was a teen, he and his friends did not fear getting caught by the police, they were more afraid of getting caught by their parents.
As a result of such parenting, or lack thereof, it would bother me to see the drinking age lowered. If they don't hold their kids accountable, how can we by allowing the age to be lowered?
A Tree Grows In Brooklyn...........
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prelit Christmas tree
have had mine for three years - Kmart brand and I love it.
well I have the feeders hanging in a tree
but now that the leaves are gone, he has full view and can take his pick. He must realy like the finches, because he has been picking them off my finch sock and practically taking the sock and all (must get his toenails caught). I feel bad, because I feel I'm luring the birds out to the feeders and then they're actually becoming a meal themselves. Maybe I will look into planting some holly bushes or something thick that stays all winter and he can't get into. May not look too pretty in my front yard though. I don't know what else to do.
I used to do that when I was a kid - the tree part, not the eggnog - LOL! nm
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Forgot to say we have a real tree
We have vaulted ceilings so this year we have a 10 footer, the year before it was almost 12 feet.
Here are a couple of my boys under the tree
I have 3, but don't know where the third one was. He was probably playing in the box we kept all the ornaments in! Also have a German shepherd who won't fit under the tree!
Bear ate Santa off the tree...now he's...sm
eaten/torn up the ottoman? He probably does miss you a lot Misha....It's a long day without mommy. Cat
Do you have a Dollar Tree nearby?
they have a pet odor remover product in the pet supplies. It contains an enzyme that they use in nursing homes to get rid of all kinds of odors, not just urine. worth a try, especially for just a buck! Otherwise maybe Febreeze but you would probably have to soak it and let it dry out, not just a light spray. Good luck!
Christmas Tree & Decorations
We always try to have the tree lit up and the decorations out on display by Thanksgiving day. I think having a fake tree makes that possible.
Do you set a deadline to have the tree up and decorated by Thanksgiving week? If not, when do you try to have it finished?
Nice tree -- I bet a little Arm & Hammer would
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