TGIF

Fridays don't mean as much when you're on a rotating shift schedule.  It's my Wednesday, but it still feels like a weekend a little, because I don't have anything on my calendar for tonight.  I can watch a hockey game on TV or read a book.

I want to say what a pain it is to work with Wells Fargo Home Mortgage when they misapply your payment.  I have four different login names on their website and depending which one I use, it might say I'm current or behind.  They have no way to tie all my accounts together with one login.  It's a similar pain if you call them.  I invariably get about four menus deep in their IVR before their system realizes there are multiple accounts and puts me on infinite hold-for-a-representative music.  The most aggravating part about that is that they routinely apply my payments to the wrong loans, and I have to send them my bank statement to prove that I sent them money and beg them to reverse any late charges or correct any default situations.  If you have a loan with Wells Fargo, don't ever get a second one, or a third, or a fourth like I did.  They officially suck at treating you like one person if you have multiple accounts.  If it weren't costly to refinance, I would do so in a heartbeat just to save myself the time of dealing with those bubbleheads.