I'm just having trouble deciding on a mortgage and credit card company. For the mortgage, I don't feel right going just by APR. How do I know if these companies are, I don't know, trustworthy? Is there a rating system? I could look them up with the Better Business Bureau, but they would just be 'satisfactory' if no complaints have been made. Who's to say people will formally complain? I could go with my SIL's company, which is well known and legitimate, but the rate is slightly higher than the lowest available. And the credit card - do I go with my credit union, where the rate is not that great, but ok, but I am fairly comfortable that the rate will never increase on their whim? (I've had my current card with them for 10 years with no such increase. Each of the cards Jeff has had in just his name pulled that shit on him.) Or, do I go with a low intro rate, lower fixed rate with a company that could jack it up to 19% like those assholes at First USA and Citibank Mastercard?

*By emptied, I mean less than $200. I start to get nervous at that point.

I went ahead and ran some shopping errands so I didn't have to do it next weekend, when I might be hanging out with Danielle. I didn't want to drag her shopping again, though I still might if that's what she wants to do. I'm still debating what to do about her birthday. I'll probably mail her a card, because in general I think that is a nice personal touch. I may get her a little something, but I'm not sure what to get or if I should let her pick out something. Something small.

Anyway, when I say shopping errands, I mean going to multiple stores for various things I need to get that the usual stores I go to do not have. For example, my Bare Minerals Mineral Veil, which is now carried at Ulta so I no longer need to trek to snooty Lenox Square. And photo paper, and I finally found Goody StayPut head bands after wasting a few dollars on other hair bands that would roll and pop right off of my head. Damn is that annoying when I'm working out.