Making a move no matter how large or small, means lots of changes to the regular routines of life. If you haven't noticed or not yet admitted to it, yes you have a routine.
Now there will be new routines - the old ways won't be changed - they will fade into history; new ones will be tried on for size, massaged, and lo and behold become old hat in short time.
I've noticed that I find myself saying this will be the last time I do this .... and in the same breath .. hmmm how will it happen in the new place?
Last time - cheers! I won't ....
- have to drive over spring/summer/fall speed bumps
- have to trod in groceries from across the lot in the driving rain, snow, sleet or dark of night.
- have to scrape the snow and ice from my car or answer the bell when it's time to move the cars for the plow truck
- bring laundry to the basement
- unpack a portion of the closet to get out the extra TP
- unpack any of my neatly-too-organized-packed-I-live-in-a-small-place closets!
- repack the closets from light weight clothes to winter clothes
- sweep off my patio from the bits n pieces that fall from the neighbor upstairs
- moving my lace pillows around so that I don't trip over them
- listen to the neighbor upstairs, running, jumping, dropping all sorts of stuff, and assorted bathroom activities at what ever hours
- have to go to UPS central office to get my packages as they are not deliverable here
- worry that my neighbor upstairs water heater will leak
- have my trunk packed with car & picnic stuff as it's the only place for me to keep it - but yes my condo shovel comes in handy at the strangest places
- have to go to the car wash when it needs to be vacuumed
- have to get quarters to do laundry
- miss picking up my neighbors trash left in the foyer
- have to pick up my crochet projects and hide them away so my 'public' space looks picked up
- have to keep bars on all my windows or sleep with them closed
I will miss...
- feeding the squirrels, birds, chipmunks, turkeys, red fox, raccoons, and assorted other wild life that comes to my patio - I'll need to leave forwarding trail of food
- getting to see Nomar - Joe's cat
- seeing Joe in the a.m. and seeing Tom - two great neighbors
- my inside foyer mail box - and post lady Susan, she's the best. I'm trying to see if I can get her back on the Crown Ridge route!
- my two commercial washing machines and dryers
- the common hallway where us neighbors would meet to get the "news" about what was going on in our building
- my neighbors, some who are new and some who have lived here almost as long as I have
- the swimming pool and tennis courts - not really a big deal for me
- the use of the clubhouse to hold my parties
- the plow truck driver - I'll make coffee and fill his mug and then get all my neighbors to come out and move their cars - occasionally a snow ball fight!
I'm happy about the change, a bit nostalgic for the way I enjoyed myself. I really like/liked living here at Woodsedge. So a new day dawns, and like most days for me, a new adventure awaits.
~~~~ To live is the rarest thing in the world. Most people exist - that is all. ~~~~
Friday, June 6, 2008
Commitment of a Other Kind
The call came yesterday, finally at the deadline, my commitment from the mortgage broker came through! This process is an amazing set of how to fit a borrower with a lender, a sort of match making. Lee, my agent, said that my lending package was the cleanest she has ever seen. I've really no contingencies related to close this entire deal.
So you fill out the application, they get your history, credit scores, assets, liabilities, tax history and, in my case, my firm and CPA license. The brokers crank the numbers and find some lender that will bet the farm with you. Let me tell you, I didn't need income to qualify for this loan! Now I can see how the 'sub-prime' market was very dangerous. I'll make another post on that tragedy.
A note on the credit scores. It is a mathematical summation of your borrowing and payment history, along with credit limits and whether or not you borrow money over time. The range of the possible scores are the same for each agency: 300 to 850. The three agencies, Experian, Trans Union, and Equifax, reported 823, 781, 803 for me. In the credit chapter of life, I look like a great bet.
It's not difficult to create great credit scores - first you MUST get your credit chapter in order. I have two credit cards - one for my business and one for me personally. Yes I have a couple of cards, like Lowes - I only used it to get the 10% off and deferred billing when I rehabed by kitchen at Woodsedge. This card was paid off a month before the date due and the card was then put away for the next project. All my bills come out of my checking by automatic debit. I gave up on the "control" and have the utilities and assorted other monthly bills come out of my checking or charged to my credit card. BTW - the credit card is automatically debited from my checking also! Therefore I'm never late :) Also, I never charge/borrow on the credit cards to the maximum limit. The broker indicated that shows "good financial responsibility". His words not mine. Now you can see, the how my scores are high.
Having great credit opens so many doors - better opportunities, better rates, and no contingencies. Come on folks - make the commitment of improving your credit scores. It is easy and really makes a difference to you and your family's financial picture. Give me a call if you need a consult!
So you fill out the application, they get your history, credit scores, assets, liabilities, tax history and, in my case, my firm and CPA license. The brokers crank the numbers and find some lender that will bet the farm with you. Let me tell you, I didn't need income to qualify for this loan! Now I can see how the 'sub-prime' market was very dangerous. I'll make another post on that tragedy.
A note on the credit scores. It is a mathematical summation of your borrowing and payment history, along with credit limits and whether or not you borrow money over time. The range of the possible scores are the same for each agency: 300 to 850. The three agencies, Experian, Trans Union, and Equifax, reported 823, 781, 803 for me. In the credit chapter of life, I look like a great bet.
It's not difficult to create great credit scores - first you MUST get your credit chapter in order. I have two credit cards - one for my business and one for me personally. Yes I have a couple of cards, like Lowes - I only used it to get the 10% off and deferred billing when I rehabed by kitchen at Woodsedge. This card was paid off a month before the date due and the card was then put away for the next project. All my bills come out of my checking by automatic debit. I gave up on the "control" and have the utilities and assorted other monthly bills come out of my checking or charged to my credit card. BTW - the credit card is automatically debited from my checking also! Therefore I'm never late :) Also, I never charge/borrow on the credit cards to the maximum limit. The broker indicated that shows "good financial responsibility". His words not mine. Now you can see, the how my scores are high.
Having great credit opens so many doors - better opportunities, better rates, and no contingencies. Come on folks - make the commitment of improving your credit scores. It is easy and really makes a difference to you and your family's financial picture. Give me a call if you need a consult!
Monday, June 2, 2008
Next round of responses
The chimney will be cleaned; the Association has been contacted for the radon and garage door; the motor has been pulled from the 'furnace' and then they will find out the problem with the heat and airconditioning. All in a days work.
Blip in the financing - though by tomorrow it should all be taken care off. 8:15am the lender is coming to me
Condo Doc's - the page showing my unit being declared is missing? LOL this is not the correct information. I called to get some of the information aobut the maintenance - got some, good news about the sewer back up and the corrections made - very happy. The next questions are on the financials - well that will be tomorrow once I see what papers my neighbor has for me to look at. Lots of numbers don't make sense?!@%#$@&#* Dang them accountants!
Blip in the financing - though by tomorrow it should all be taken care off. 8:15am the lender is coming to me
Condo Doc's - the page showing my unit being declared is missing? LOL this is not the correct information. I called to get some of the information aobut the maintenance - got some, good news about the sewer back up and the corrections made - very happy. The next questions are on the financials - well that will be tomorrow once I see what papers my neighbor has for me to look at. Lots of numbers don't make sense?!@%#$@&#* Dang them accountants!
Sunday, June 1, 2008
Begin the Packing - Successful Move 101
It's a new day - June 1st! I can't believe it at times, we have finished the first five months of the year - time does fly.
How do you do the most successful move - easy prepare for it. Talk, Walk, Think, and Plan it out. I've been going through each area, each corner, each shelf, whether it be in my mnds eye, or actually going through it. All items in their place, and more importantly, what will it destination be in my new place.
My goal, first to have the office up and running, kitchen, and bedroom the same day as of the move. I'll pack my 'home' on Sunday, it will be ready to go, no questions, no if and or buts. The office will be shut down on Tuesday night, the balance of it will be packed. Wednesday - the movers arrive at 7:30am. I truly expect them to pack the truck and and be on the road by 10:00 am. Their biggest challenge, I think, will be the desk in the office. It is a monster - L shaped - 8ft by 7ft footprint. The 8ft side has a hutch on it. It is heavier than all heck.
We should arrive at my new place at 10:15am (LOL!). Then it will be to re-assemble the desk again and place it in the space. I've been playing with my space organizing grid sheet. How do I set up the office is a bit irrating at the moment. I like my current set up, yet it was built for the room. There is a real sense on effeciency built in that I truly enjoy. I trust it will all comes together before 10am that day.
Pre-Packing arrangement of my few belongings has seemed to be falling in order. This has some relief, the living area and kitchen are left to do. The biggest of them all is the office. Yet with continued focus - that too will be in in order very soon. It's like some kind of accomplishment.
What is truly amazing, how I've packed, organized everything in a neat & orderly fashion. The Stager was surprized at my level of organization. A place for everything and everything in its place. Now all the stuff will need new places. I just laugh, such a change up, shake up. One of her suggestions was to get a clear plastic shoe organizer that you hang over the door. (one at BB&B as they have the best). So I took my 20% coupon from L&T, headed over and found this organizational tool. This is not for my shoes - I don't even own 24 pairs - it is for the bits & pieces that were in the bath cabinet/drawers and the linen closet.
Any way, it is off to another closet - I think those are just about complete!
How do you do the most successful move - easy prepare for it. Talk, Walk, Think, and Plan it out. I've been going through each area, each corner, each shelf, whether it be in my mnds eye, or actually going through it. All items in their place, and more importantly, what will it destination be in my new place.
My goal, first to have the office up and running, kitchen, and bedroom the same day as of the move. I'll pack my 'home' on Sunday, it will be ready to go, no questions, no if and or buts. The office will be shut down on Tuesday night, the balance of it will be packed. Wednesday - the movers arrive at 7:30am. I truly expect them to pack the truck and and be on the road by 10:00 am. Their biggest challenge, I think, will be the desk in the office. It is a monster - L shaped - 8ft by 7ft footprint. The 8ft side has a hutch on it. It is heavier than all heck.
We should arrive at my new place at 10:15am (LOL!). Then it will be to re-assemble the desk again and place it in the space. I've been playing with my space organizing grid sheet. How do I set up the office is a bit irrating at the moment. I like my current set up, yet it was built for the room. There is a real sense on effeciency built in that I truly enjoy. I trust it will all comes together before 10am that day.
Pre-Packing arrangement of my few belongings has seemed to be falling in order. This has some relief, the living area and kitchen are left to do. The biggest of them all is the office. Yet with continued focus - that too will be in in order very soon. It's like some kind of accomplishment.
What is truly amazing, how I've packed, organized everything in a neat & orderly fashion. The Stager was surprized at my level of organization. A place for everything and everything in its place. Now all the stuff will need new places. I just laugh, such a change up, shake up. One of her suggestions was to get a clear plastic shoe organizer that you hang over the door. (one at BB&B as they have the best). So I took my 20% coupon from L&T, headed over and found this organizational tool. This is not for my shoes - I don't even own 24 pairs - it is for the bits & pieces that were in the bath cabinet/drawers and the linen closet.
Any way, it is off to another closet - I think those are just about complete!
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