oh Susan I was just joking. I thought you were also hahahahahahaa SMILE and be happy. This is FUN...HUGS ANYBODY has any questions ..PLEASE ask....ALWAYS! ha ha not sure if I can answer it Dorothy. What do you mean? All the words on the collage used at least once? OK let me see if I can clarify the mistery: I made a collage with 25 pictures. Each picture has a name on what you see in the picture. YOUR job is to find the right word to each picture. You only have to write a word ONCE!! Then next time you post, you can use totally new words. Your goal is to get as many words matching the collage words as possible by the 18th. I keep track of the correctly guessed words of each one of you. Tonight I will tally up the scores after everone has posted...speack midnight lol. Just not sure how often you all wanna here the scores??? I do not want to discourage the players that did not guess a lot yet ;-) But like MJ when she guessed on the Frosty, she got a lot of other words just by guessing in that direction ...hint hint hahaha I will be back later Just to make sure nobody has any questions and FUN FUN FUN ...under the sun or snow or rain? Geeeeeee I rather have snow right now then rain. ta ta Lucy

You both have a tie with 4 words. ha ha ha did not count on that hahahahah Theresa posted first and has 11 words all together. Eloise you got 8 words and posted second. So I can not ignore your effort and making it before midnight and you too will get a little something. CONGRATULATIONS to you BOTH!! Nothing discoraged you from keep on wrecking your brains. thanks gals. Please remember to send me your addresses if I do not have them already. EVERY PLAYER please. HUGS Lucy P.S. If any of you find any mistakes, let me know. 1. Nicolaus = Santa Claus 2. Cookies 3. x mas tree 4. rabbit 5. cake 6. chocolate 7. heart 8. socks 9. flower pot t - shirt x mas ornament cell phone hat pipe snowman star angel Boots candle CD camera nutcracker pencil sharpener playing cards Ball This are the words that I had given the pictures. I hope I was flexible enough with em all.. Like the balls men like to play with rofl.

Neither I nor anyone else suggested that, Glenda. In fact, I was careful to say I didn't want to criticize. With that in mind, Suzieque's post was well said. I don't recall seeing the "Pet Peeves" thread, but I'll hazard a guess that some of the things that annoy some people are not a source of annoyance to others. And, as Suzieque said, most annoyances are not big things. But of course that doesn't stop them from being annoying . . . to some. I guarantee that those of us who do find those teaser subject lines annoying (just annoying, mind you--we're not tearing out our hair or spiking our blood pressure or making demands) have plenty of small stuff that we don't sweat. And I'm pretty certain that those who claim to have learned not to react to little things have something (some small thing) they find irritating as hell.

when we bought our house the broker, a LIFELONG friend of the family(her daughter and i were born on the same day in the same hospital just minutes apart), highly recommended that i go with an ARM to keep my payments low. she said research showed that most folks either refi or sell within 5 years anyway, so my rate should never change. i flat out refused this because i had seen my grandmother almost lose her house back inthe early 90's to an ARM adjustment. i don't think SHE was trying to con us, i think she fell for the industry wide hype of this is what is best for MOST people. i really think that is the problem, too many people wanted to buy big and an ARM was the only way to do it. they figured the house would continue to appreciate and they could either sell or refi before the ARM hit. in many cases they were just glad to get a home and did not even realize that they had an ARM. yes, a good bit of this was predatory lending. and yes, a larger portion was simply a furtherance of the American way of life, spend money you don't have cause you can pay it back cheap(at least at first)! i feel sorry for the people who were tricked into ARMs and for people who have had life changes that made a once affordable payment no longer possible. but i do not feel sorry for people who made the largest purchase of their life based on what they pay a month RIGHT NOW, and totally ignore what they WILL pay down the road. i almost wish that the law required all potential buyers to take AND PASS a financial planner course that specifically educated them on how things can and will change on a mortgage. BTW, i never have believed in buying a "starter" home. in my region of the country you rent a home for a few years and then buy your home you plan to live out your life in. this is what my wife and i did, we rented for 6-7 years adn then bought. before buying, we did a lot of research and found we could afford more than we thought. we were pre-qualed for over 250k, but bought a 145k house because it suited our current and future needs. that 145k got us ~2400 sq ft on 4 acres. we could have bought a house in town for half that and still been in a good neighborhood, but we wanted outside city limits.