- I grow pimples better than you. I mean, I am a champion at stress-fueled geysers. I have two monsters on my face right now that don't seem to be going away.
- My current plan to get the cats to the vet (to be boarded while I move) involves starving them. This makes me feel cruel and at the same time, like a dastardly genius. It was loml's idea to get them used to the carriers by putting the food in them. I will, in fact, take it to the next level and starve them so that they both enter the carriers at the same time to get said food. I just tried it and it went more smoothly than I even hoped. I am planning on torturing my cats to make life easier. Someone call animal control.
Saturday, August 28, 2010
Thursday, August 26, 2010
Sunday, August 22, 2010
So. July 16th. I call the broker back from work. We no longer qualify for the loan. Panic. Rage.
Remember when my mortgage was pre-approved more than a month before this, the mortgage that included my Dad? Yeah, the mortgage guy fucked up royally. And in the terms of the contract, I had to have my loan secured by July 23rd. And my Dad is in France. The mortgage broker and his assistant somehow missed one of my Dad's debts. Please consider that about a year before he had also done my sister's mortgage, with my Dad cosigning and at that time the debt existed as well. Moral of this story: records are important. Filing. Cross-referencing. Look at the damned mortgage you did last year and start from there.
So basically the options, as mortgage broker (MB) saw them and emailed them to me that day:
- My dad would gift me the money and be taxed off of his ass.
- I would have to just take a larger mortgage and in a year, pay down the mortgage with the lump sum from my dad.
- Unacceptable. He'll be paying out the ass.
- I lose a full year of mortgage payments. Because this option is essentially a refinance. Also, my payments would be huge for that year. And there's no guarantee that they would get smaller at the time of the lump sum payment. Cluster.
Wednesday, August 18, 2010
This is the part of the story where I brew a bubbling pot of hatred for the seller. I was leery at the inspection. I was angry and full of dislike at the closing date business.
The day after the agreement was set, all the earnest money was down and we were just waiting for closing, I contacted my realtor to arrange a time to get some contractors into the house. There was a lot to be done at the house - pathetic head room on the stairs to the basement, all the worst from the inspection, and I wanted to create a great finished basement. So my realtor asked me when I wanted to go. I told him a couple of times. And this is the response he got from the seller's realtor:
Sorry, but my client does not want to allow any contractors to come through prior to closing. She is in the process of packing and her children are at home during the day. She would prefer that Katie wait until they move out. I'm sorry. I did try.
And now I'm holding a pot of hate stew. This was a month and a half before closing. And apparently, something my realtor had never had happen. NEVER. HATE.
The next post happens before this next bit, but this bit fits here. Two weeks later, I got an email from my realtor. All it said was "The seller reconsidered and is offering these times" with a forwarded message from her realtor complete with two dates to choose from. I was astonished. So I chose one of the dates and flat out asked my realtor what happened. This is his response:
Yeah, I kind of embarrassed [the realtor] into it. Here is my email I sent yesterday: Would you please ask the seller to reconsider allowing Katie in to meet contractors. In my 15 years of selling real estate I have never once seen this courtesy denied by a seller. It will help Katie a great deal if she can line up her workers so she can get work started faster after Closing. Thank you.
Seriously guys, you should use my realtor. He is the best.
Since I'm so excited about what is going on in my house right now, here's a before and after with the basement. There's a slight perspective error here, I'm a bit farther back in the before. But, go with it.
Edit: the new blogger editor is a POS that creates the ugliest HTML ever. As a developer I OBJECT.
Monday, August 16, 2010
Sunday, August 15, 2010
I already sent you the receipts from the plumber's visit and Orkin. We took off the ivy and installed the toilet kit ourselves. The electrician already came out to assess the inspector's claim that the wiring was wrong. He fixed a few minor things on the list but their is no receipt. I can try to get him to put something in writing. ComEd came out and looked at the tree and said it is a low voltage wire and it is not impacting service so they would not trim the tree, maybe they would later after they finish their emergency storm work? The tree is on my neighbor's property and I cannot trim it anymore than I already have from my garage roof. I will paint the rest of the exposed tile in the basement.
We could not find any red tape where the inspector stated he marked gas leaks. the boiler was just serviced in March and no leaks were detected.
____, I apologize for this going on so long without an agreement but I am not going to accept her counter. I said $1200 was my final offer. Let the buyer know, I thank her for her interest in my home.
I will clean the house and do some of the work left and try again for another offer.
$800. And she's putting the house back on the market. At this point, I already had almost $3,500 sunk into the house (earnest money and inspections of various kinds, etc). June 22, that was not a good day.
Something to cheer us all up, built-in:
Friday, August 13, 2010
- Aluminum capping or wood replacement
- Chimney liner
- Tuckpoint Chimney
- Seal at base of north wall along gangway
- Seal all open areas around exterior
- Ivy has deteriorated frame walls (rotted) on garage
- Trees trimmed
- GFCI's throughout
- Address all electrical issues
- Replace cracked vent stack
- Replace copper to galvanized connections with proper fittings
- Shower in basement has no waste lines
- Gas leaks
- Water pressure
- Leaking main bathroom cleanout
- Improper plumbing under kitchen sink & at dishwasher
- Toilet problems
- Where are missing storms & screens?
- Rodent control - mice
- Smoke & carbon monoxide detectors
- Asbestos floor tiles
- Porch construction poor
Monday, August 09, 2010
Sunday, August 08, 2010
Thursday, August 05, 2010
Sunday, August 01, 2010
- DVD collection. I think over the past six years here, I've probably watched only a quarter of them. With Netflix and streaming, I feel like the idea of a collection (especially one so woeful and crappy as mine) is obsolete. I kind of want to be ruthless and get rid of the majority...there's really no reason I'd regret this, right?
- Old schoolwork. Only grad work, which is relevant to my current occupation. I graduated 2 years ago though. I have, in fact, referenced it on a few occasions. Sometimes it has been helpful to others in the program. But it takes up almost a whole shelf in my fairly wide bookcase. Do I continue to lug it around? Weed it and only lug most of it? Or just trash it all?