Oblivion had spells that you could put self spells in WITH the target spells. But that convenience is not Skyrim.
I need a fireball that when it hits the ground and explodes will also affect the player if they are too close. But the hard code will not allow any magic explosions to harm the one that cast it.
To do this I had to make the explosion place an invisible activator that then uses a script to place an explosion.
Have I really discovered the ONLY way to do this in skyrim? 

I have so many scripts already in use in my mods I was really trying to do this the "right way" (minimal scripting and mostly using the hardcode systems).

