Friday, October 31, 2008

The Real Estate Roller Coaster

I don't think I'm cut out for this house-hunting adventure. Okay, maybe I'm just getting ... no, I won't say it, but I admit I was much more enthusiastic about it the last time (when I bought this house 14 years ago). I looked at all kinds of crappy houses then (the only type in my price range), and was terribly excited about all of them.

This time it's not working that way at all. This time I can afford to look at much nicer houses, but we're having a very difficult time finding ones that meet our criteria; when we do there's always some snag; and I don't know what to do about getting rid of my current house and mortgage so I can buy said new house (a problem I didn't have to worry about last time). And the whole process is just angsting me out badly.

That first house we looked at was beautiful, but a little out of our price range, so we had to get over that one. We looked at what I'll call Tod House 2, and really liked it. The more I've thought about it, the more I like it. In fact, so much that I was ready to make an offer on it. It really does fit all of our needs perfectly - including price.

But what to do to get rid of my current mortgage, so that I could move on the other house? Then, serendipitously, through mentioning my dilemma to my boss, he knew someone who was looking for a small, nice but not too expensive house to buy right away - and he could pay cash for it. Problem solved! I started transferring my down payment funds around to get them all into one account, and got my pre-approval letter from the bank - I was ready to go, and knowing we can easily afford Tod House #2, was sure we'd get that house and be in it by Christmas.

That's what I get for counting my chickens before the hen died.

Because then came another dip in the rollercoaster - I found out Tod House #2 is subject to short sale, and the time involved in making an offer just got seriously extended. The lender can take 30 days or more to even respond to our offer; and if they reject it, they don't make a counter-offer - if we want to try again, we just have to start the process all over again.

Fine, but that loses me my potential instant cash buyer - this person can't wait that long to buy a house, he needs something right away, and in his price range and ability to pay cash, will certainly find it elsewhere.

And our agent advised us that a lender would never accept an offer on Tod House 2 if we make it contingent on selling my house first ... if it's a short sale, they just want it done and over with (then how come they delay the process so long?) and won't be agreeable to wait for my house to sell in this not-so-hot market.

So while I'd still love to make an offer on Tod House #2, and since it's definitely in a range we can easily afford, I should have no problem coming up with an offer that would be accepted - if I can't make it contingent on selling my house first, and I don't currently have a ready buyer for my house, I don't see how I can make the offer. I have to get rid of mortgage number one before I can get mortgage number two.

Back to square one.

We found two other houses we wanted to go and look at, but our agent advised us that both houses are also bank owned, and require septic upgrades - something the bank won't pay for, and we can't (we need all our funds for the down payment, and septic upgrades can cost between $12,000 and $20,000).

We found another, really nice house we wanted to look at (city utilities; no septic), but just when we called to get an appointment to see it, an offer had been accepted on it.

It's just one damned thing after another.

I know I don't have quite the right attitude about this, that of a fun adventure ... but it's hard when I so desperately want to move, and move soon, and have the funds and credit to easily buy a new house - but keep hitting roadblocks at every turn. It would have helped if I hadn't waited till things were so dire here, till I felt so desperate to move. I know what kicked it in though ... it got cold, and I suddenly can't spend all my time outside, but instead am cooped up in this tiny house too much. During the summer when I could spend most of my time outdoors it wasn't so bad. Now, the prospect of another 7 months sequestered in this glorified garage makes me feel like I'm going to crack up.

So, it's frustrating. But we'll keep looking. And I do have a contingency plan of sorts. I started last weekend really cleaning this place out. I hauled a truckload of stuff to the dumpster at work, threw away several more large bags of stuff, and packed several boxes. This house just has too much crap in it, and if we're going to move, this cleaning out and packing up process has to be done, anyway - so I figure, if I start now, and can begin to reduce the clutter and clean the place up, maybe it won't be so unbearable to live here while we go through this torturous finding-the-perfect-house-that-we-can-actually-buy process.

In theory, anyway.

Friday, October 24, 2008

A House! Another House!

Wow, this is getting exciting. We went to look at House #2 tonight. It's the "downgrade" (in theory) from House #1, the "Dream House" - the perfect house that is just that much out of our price range.

House #2 is the very similar house down the road from House #1, and it ran a close race. Why it's the downgrade is: the bedrooms are smaller; there isn't a huge multi-tiered deck off the back; and it doesn't have a pool.

But that's about it. On the plus side of House #2, the rooms are all nicer (the kitchen is way nicer); it has 3 acres instead of 2 (and still goes to the river); and it's cheaper. As my buddy Rhys so astutely points out (and YES you always have crash space - any place you want), we can build our own decking, and have a pool put in some time down the road if we want one badly enough - although the work and expense of one sometimes makes me wonder. (P.S. - Rhys, Robin plans to start having Roughnecks Training Camps again if we get this place ... plenty of room for ya'll to wreck yourselves for a weekend).

If it were $20,000 cheaper I'd buy it tomorrow. Er, Monday. It's really nice. Very nice hardwood floors. A huge living room. A beautiful 'family room' with a gorgeous brick fireplace, the whole room beautifully paneled in a lovely light wood (not sure what it is). It looks kinda small, but it's deceptive - it's the exact same size of the living room (of which I didn't take a picture, but looks much larger - they are both 24 x 12, the same size as the living room at House #1 and smaller than the family room with fireplace there; it's because this fireplace juts out into the room rather than being flush with the wall, but I am so not complaining - it's a beautiful, beautiful room).


It also has a built-in 'home office' in one end - a work station, shelves, and drawers galore - in matching wood.



The kitchen is to die for, huge, nice, tons of cabinets and space - way larger and nicer than the one in Alleged Dream Home #1. (This is only half of it - it continues on the right)



Upstairs, four bedrooms ... closets everywhere. Downstairs, a fantastic (large, clean, dry) basement with another fireplace. The three acres are at least half wooded (not so much at the other place). Just sweet.

I say "If it were $20,000 cheaper" but not because we're looking at houses we can't afford. Technically it's in our range - that's assuming, based on asking price, that they will come down at least somewhat from that starting point. It's just on the high end of comfortable, is all ... and I'd be much happier with considerably less of a mortgage. So I'm going to line up my ducks, and we're going to make a low-ball offer, and keep looking. *Shrug* Nothing else to do.

But I really like this place, although I am astute enough to realize that I'd probably like almost any house that was so much bigger and nicer than mine, and anywhere within spitting distance of achievable for us just now. So that's why we're going to keep looking - just in case. (And just in case they don't accept our low-ball offer, which is a good bet).

No new knitting news ... too busy house planning.

Thursday, October 23, 2008

Houses and Knitting and Rum, Oh My

House News
Well, it's official ... I will be buying and moving into a new house. Why do I declare it official? Not because we've already bought one, alas - but because I realized something in the last week. One of the reasons - only one of several, but a major one - that our past house-hunting forays always ended in us just staying here is that I wasn't 100% fully committed yet to actually moving out of my house. Yes, the tinyness of it drives me nuts, and the work it was starting to want was more than I wanted to invest in it, and I knew I desperately needed more room ... but another part of me was still too tied to this house to be as serious as I needed to be about selling it and moving out. So though we looked at houses, I was never really, truly committed to actually buying one.

It's not a big surprise, though - I have quite a history with this house. It was the first house I ever bought solely by myself, fourteen years ago. Fourteen years is a long time! And my dad's fingerprints are all over this place - he did so much here after I bought it, helping me fix it up. That especially has been hard for me to think about giving up. Yeah, I know in a way it's kind of silly - but I'm not apologizing. I am sometimes a sentimental person, and after my dad passed away I was very sentimental about all the work he put into my little house to help me make it nice. I think, even, for awhile part of what held me back was this idea in the back of my mind that moving out of this house would somehow be kind disrespectful to all the work he put into it for me, as if it hadn't mattered.

But things have finally shifted. While I will be sad about leaving some of the things my dad did for me here, I've moved beyond some of that now. What he did, he did for that time and place, when I was living here alone and had no need of a bigger house - just one that wasn't so crappy, and all he wanted was for me to have a nice place to live.

Things in my life have changed. And he would still want me to have a nice place to live. And face it - this ain't it. Even he knew that. That's why he wanted me to keep his house - he said many times he wanted me to keep his house because it was nicer than mine. But I chose not to keep his house because it wasn't a good fit for me (a decision I do not regret), so finding my own nicer house now would be something he'd be happy about for me.

And, I plan to take at least a few of the things he did for me with me. He planted several rose bushes for me, and I have every intention of digging them up and taking them with me. Likewise with some other stuff as well.

Now that I've wholeheartedly committed, the process is rolling right along. I've already been pre-approved for more mortgage than I'm comfortable getting, so we're looking in ranges far lower than that - meaning there will be no problem with the loan. I've figured out a scheme to get my current mortgage out of the equation - paying my house off now, before we even try to buy a new place, which solves several problems at once. I've scoured the listings and picked about 10 houses we're really psyched about going to see, and we've picked an agent and are in the process of setting up appointments for them all.

And one reason I know this time it's going through: I'm ecstatic beyond the telling of it to think of moving out of this house, into a "real" house with actual room, with closets for God's sake, with a second bathroom so I don't have to hop around the house every morning waiting for Greg to get out of the shower ... (I know, TMI) ... a house with enough space for all our stuff for a change, so that it won't be cluttering up every surface I look at. I'm so ecstatic about that, I can't even tell you, and it can't happen soon enough. My favorite plan is to be in the new house by Christmas - for which I'll celebrate by getting a real Christmas tree for the first time since ... umm, I believe 1972.

Oh, the dream house I posted about - yeah, we've been back to see it again, and it's still the perfect house. But unfortunately it's just a little out of our comfort range, mortgage-wise. We talked it over and know what we're comfortable realistically paying each month, and I don't believe these people are going to drop the price by $50,000. But - we haven't entirely given up ... once all our ducks are in their little row, we do plan to make a low offer on the house - nothing ventured, nothing gained. And probably (assuming they'll reject it) I'll keep my eye on that place and renew my offer every month or so until either (a) they sell it to someone else, or (b) we find some place else we can accept as a substitute, and buy it instead.

But in my scouring of the internet house listings, I've turned up some others that, while not the dream house, are quite acceptable substitutes, so I'm still psyched about going and looking at them in the coming days.

Knitting
I've been working on the sweater. I buggered it up pretty good the other night. I forgot to move my marker on my pattern, and knitted the same row twice. I tried to unknit it, but for some reason couldn't seem to manage it (probably based on a combination of it being late, my being tired, and rum). So I decided to just go on from there as if it hadn't happened.

The next day I kind of regretted that decision, thinking I shouldn't have been so lazy, and I might ruin the whole project by this wonky line of mismatched knitting right across the back of the sweater. But I still didn't feel like trying to unknit it, and was considering ripping it out - either completely, and starting over (I'm only on row 13), or at least back to the plain knitting in the hem, and just starting the patterned part again.

But I got over it. It'll be fine. It's way down by the hem, and hey - it's a hobby.

In fact, I think I'll go work on that some more now.

Rum
I just threw that in there for cadence.

Friday, October 17, 2008

Here We Go Again

I'd mentioned in 'blogapalooza' about the new house. I went to see it yesterday, and oh. my. It really is my dream house. If I made a wish list for the perfect house, this one would seem to be custom built from the list. It - literally - has everything I could want in a house.

It has four bedrooms; 3 full baths and 1 half bath; a formal living room, then a rec room with a stone fireplace on the first floor; and another rec room with another fireplace, and a wet bar, in the finished basement. It has a whole laundry room in the basement. It has a gigantic tiered deck off the back, an in-ground swimming pool (with pool house!), 2 acres (in the city!), and goes all the way back to the river behind the house. It's absolutely perfect.

I've actually wondered if it's "too much house" for us, if it's more than we need. But really - no. I don't think so. The four bedrooms is exactly what we need to finally have room. The first floor rec room is a perfect solution to my complaint of having all of us crammed into one tiny living room every evening, and the 'main room' of the house always being junked and cluttered up. We probably don't need the second rec room in the basement, but what we do desperately need is more storage - and we'd certainly have that. After living in this tiny Cracker Jack box of a house for 14 years, having that much space just makes my head spin. It would be heaven.

Yeah, the place is just perfect, and they've dropped the price on it to a level that's astounding for this house. I can't believe no one's snagged it before now, but I think they only recently - in the last few weeks - dropped the price this last time. But even so, it's still stretching the upper limit of what we can afford, and that makes me very nervous. I would love to have this house, but not if it takes every dime we make, and I have to worry every month about how I'm going to pay for it, or how we'd afford it if a repair or something needed done. I'm not sure it's that extreme, but ... well, figure it like this - the house payment alone would be double my current one, and then there's all the utilities being higher because the house is 3 times bigger than mine (plus the pool). It's a whole lot more than we're used to spending. And I know how easy it is for things to look good on paper, but not really work out that way in reality.

Well. I think I'll go to the bank today and talk to a loan officer and see realistically what our options are, first off. Find out how much mortgage we can actually get, and whether or not it's anywhere in the range we'd need to buy this house. That's probably a good starting place.

Meanwhile, there's also the issue of having to unload my house before we could officially buy a new one. That's a prospect I'm not looking forward to, not only because of the market, but because of how cluttered and junked up this place is, how much 'sprucing up' and work it'd need to put it on the market, and the now very short time frame we'd have to do all that.

But this house is so nice. I'll leave you with some pictures. I didn't take very many, I was too busy walking around in awe.




Wednesday, October 15, 2008

Yes, I'm A Freak - It's Blogapalooza

I was in the mood to post recently, but didn't really have anything to say. I was looking over my page, and noticed what a long list of categories I have. And it came to me ... I'll do the annual (?) Category Update, with a little blurb about each thing on the list.

Okay - I suppose the 'blather' category can come at the end (if the middle doesn't cover it).

In knitting news: I went back to work on the sweater this week. Hopefully I'll keep steadily at it, and maybe get it done by ... umm, spring? Sigh. Oh well. I wasn't too keen on the last pair of socks I started, so I may scrap them and start a new pair. I decided some time earlier this year that life's too short and uncertain to waste time on projects I've truly lost interest in. It's a hobby - for fun. Not something (else) I have to force myself to do.

I haven't thought about whether I'm doing any Christmas knitting this year, but if I am, I'd better get busy planning that.

SCA: This is the time of year that my post-Pennsic glow (if there was one) is waning, and I start forgetting about the whole thing till next year. Bad idea. This is the very time of year to keep motivated on long-term projects, and if I did, I'd be very happy with myself next year. So I'm going to plan to work on some of my projects at least once a month throughout the winter. Some of the things I want to do:
  • make some more (better) garb

  • decorate the garb I have - embroidery and such

  • make my tent cover

  • make a new top for my shade pavilion

  • hmm, I'm sure there are some more things, but that's a good start

Gardening: Well, I started strong this year, but was disappointed in my follow-through. But the good news is, since I decided to start treating gardening as work-in-progress, as an experiment of sorts, I'm not too angsty about it. I learned a lot from this year. I lost steam about mid-summer, and didn't maintain my plants and things well. I especially lost it after Pennsic - I stopped watering things, and being August, it kind of did them in. Nothing really ever recovered. I also didn't plan my fall plantings as I'd have liked - I'd wanted to plant some of these gorgeous mums I'm now seeing at the stores, but I didn't plan a space for them, so I don't know where to put them. And I wanted to plant some bulbs for spring flowers, which I also haven't done (although I don't think it's too late for that). There are still some things I need / want to do before serious bad weather - mark where my perennials are, so I don't disturb them next spring when I want to start digging around in the flower beds; prune the roses; trim the shrubs out front; clean out the planters; and clean up the pond. Those things I hope to do soon, to at least get prepared for next season.

Weaving: I haven't done any weaving in way over a year. But it's something I'm still very interested in. I'd like to continue learning about tapestry weaving, but to do that now, I'd probably have to start over in my 'tutorial book' I bought last year. Well, it'll stay on the wish list for awhile yet.

Tyler: Tyler's doing great. He had a wonderful time on vacation, running around on the beach. He seemed to do well on the trip there and back, despite it's length. I just had him to the vet's on Saturday for a T4 check (testing his thyroid to see if his current medication needs adjusted), and they told me his levels were perfect, so his meds are fine. He's lost some weight though, and is getting kind of bony. I know part of that is aging (he'll be 14 next month!) but I'm going to work on bulking him up a little without letting him get too fat. I'm adding a third snack / meal to his day, consisting this week of a half-cup of whole wheat pasta and some mozzarella cheese. We'll see how that does for him. I'd also like to start taking him out more for exercise - as I mentioned, he did great on the trip, wanting to run around and seeming very energetic. Here he just lays about all the time, but I think he truly just gets bored because we don't do much - it's my fault we don't go for walks and outings anymore. As long as he still feels like it, keeping him active can only be good for him. Unfortunately, I waited till fall when the weather will be turning bad - but we tend to have relatively mild winters here, so hopefully if I ever get started, there will still be lots of exercise to be had in the coming months.

Embroidery: I have several embroidery projects I'd like to get back to. One is the embroidery on the pirate coat (a separate entry). Another is some embroidery on garb (mentioned in the SCA entry). I want to finish The Dread Reverend's Sea Chameleon favor, as the only person who has one right now is Berg, and I certainly thing the Commodore deserves one at least as much, if not more. Maybe over the winter months.

Quilting: This is one of those hobbies that I'd like to have time for, but never do. I mentioned in knitting that I'd learned the difficult lesson of giving up on projects that were no longer 'getting it' for me. I'm about to that point with the Tolkien quilt. It's at least 10 years old, and I've just really lost interest in it. I think if I could scrap it with a clean conscience, it would free me up to do some other useful things. I would like to make a scrap quilt; I got a book awhile back full of patterns for scrap quilts made with 5" squares (so it's easy - you cut all your material into 5" squares, then you can choose any pattern from the book and you're all set for it). I spent an entire weekend some time ago cutting all my large, accumulated fabric stash into 5" squares, and have added to it since - I could probably make several of these at this point. And this type of project (if I don't over-engineer it) could easily be completed in a couple of weekends. So perhaps that's something I'll think about getting done this winter as well.

Poi: I'm still practicing! I had a wonderful evening on the beach in North Carolina doing some solitary poi with glow-sticks on the poi balls. It was around sunset /dusk, and I was actually standing in the swash zone, with the income waves washing over my feet. It was magical. I plan to continue working on poi, although I haven't learned anything new in quite awhile.

Travel: Well, the NC trip was a success (despite some dark spots which I won't go into here). I cannot WAIT to go back. So my vacationing for this year went really, really well. The only thing I want to do differently next year is plan a spring vacation - whether it's NC or some place else - because as it stands now, my only two 'real' vacations fall at the beginning of August and the end of September - too close together, with that hideously long stretch of 10 months in between.

Shenanigans: We haven't had many of these for awhile. We had the one wild porch party this year, but that was about it. We have our annual Samhain party coming up, but I've been getting lazy and not really wanting to turn it into an overnighter / weekend event anymore. I'd rather have something more quiet. Wild raucous parties are fun - except for having to deal with the aftermath the next day. I wish someone else would host the party; then I wouldn't have to worry about that part of it.

Project: Pirate Coat: I've done nothing with it since before Pennsic, except wore it in the surf in North Carolina and got saltwater on the bottom. :o) Which was planned. I need to remove the temporarily-sewed-on cuffs and finish the embroidery on them; and then do the embroidery on the rest of the coat. I ought to think about starting that soon, because that's going to be a winter-long project.

Sewing: Yeah, I don't even know why this category is here. I don't make much of anything that wouldn't fall into the SCA or Quilting categories. Fact is, while I enjoy the idea of homemade things, I don't really much like sewing.

New House Project: While the original house that spawned this category is old water under the bridge, I haven't deleted the category because it's kind of a never-ending dream of mine. I'm back on it, at least temporarily. As I've said many times before, my house is simply too small for the people who reside here throughout the month. We desperately need a bigger house. The problem is (a) affording it, and (b) figuring out how to unload my house in this market. But I'm currently re-obsessed with a house I first noticed a year and a half ago, which is still on the market, recently changed realtors, and on which they've significantly dropped the price. I have an appointment to go see it tomorrow. I really love this house (what I know of it) and it would be perfect for us - 4 bedrooms, 3 bathrooms, a living room, family room AND rec room; 2 acres; an in-ground pool; just gorgeous. We'll see what tomorrow brings.

And that brings us to recipes, which I've only ever posted once. That's only because it was my mom's recipe, and so not copyrighted. But I muck about with recipes all the time. Maybe over the winter I'll see fit to post some new ones.

Well, I guess that's about it - and certainly covers the blather. That's my life in a nutshell right now: desperately trying to figure out a way to afford a bigger house, and fit my many hobby dreams and wishes into my life. Winding down into the cocoon of autumn, and thinking a lot. But that's a post for another time.

Thursday, October 9, 2008

Well, I'm Back

We got home Sunday evening from our annual trip to Emerald Isle, North Carolina. That place is so beautiful, it's really difficult coming back here afterwards. I've barely been online since I came home, so it took me awhile to get here to post.

The weather was gorgeous, warm but not too hot. It only rained once, and that was from a small storm that blew through one evening, so by the next day it was clear again. The water was warm and the waves were beautiful.

I spent a wonderful amount of time just sitting on the beach doing nothing. We saw bunches of dolphins this year, even saw one leap up out of the water several times. We went to Shackleford Banks, and I got to see some of the wild horses, and we found some fantastic shells.

Well, since a picture's worth a thousand words, and I do tend to go on and on, I'll just get to the pictures.

The beach house we rented ... appropriately decorated right after we got there.

I love this place! It's right next door to the one we got last year, and identical, except for a few minor things that make it better. One is that the vertical slats in the upper and lower decks are closer together, so Tyler can't get through them. Last year at the other house, they were just wide enough apart that he could fit through, and I spent the whole week terrified he was just going to leap off the lower deck or accidentally fall off the upper deck (his eyesight is going, and he's been known to just walk off the edge of things before now). This year, with no worries about that, we spent a lot more time out on the decks.

Tyler enjoying the beach. He seemed to have a pretty good time this year, and enjoyed hanging out on the beach (especially since this year we had a beach umbrella, unlike last year).


A couple of the ponies on Shackleford Banks.


Tubing in the surf.


We had a fleet of pirate kites this year.


One night we did full pirate regalia, and went down to the beach.



Why is the rum gone? ... oh ... never mind.


And then of course, the main attraction:





Not only are we sure we're going back next year, but I'm desperately trying to think of a way to afford making this a semi-annual trip, going back in the spring. A year is too long to wait. (Six months is too long to wait, but I am pretty sure I can't afford it any more often than that). Since I got the new office at work, I've increased my hours slightly, and am considering increasing them a little more ... with the right tweaking, I think I can make this work.

Sunday, October 5, 2008