Monday, February 23, 2009

Monday

A few things have occured since my last posting.

First, the new tenant showed up - check in hand. I already had a check from her from before, but it was for too much money so I just held it for her til' she got here. She was supposed to be moving in today - there is nothing in her room. Which didn't stop me from cashing the check. I think she's busy unloading the giant U-Haul truck that she paid someone to drive down here.

Anyway, she's here for a month or two at most, according to her. From this point forth, I intend on just getting some short-term renters in there. Off and on. If we get a little tired of 3 renters, take a month off - if I can even afford that - and then get someone else in there. Plenty of market for short-term rentals in this area.

As much as the economy is tanking, education is taking off. People are registering in droves for grant money to get through college - at least according to Mary.

Second, I got through to my mortgage company again, and only waited a few minutes! Yeehaw! Oh, well anyway, I asked about a loan modification. I am less then 30 days late, so I don't qualify for that. The lady said I will qualify on the 1st of March. The options are to have the past due balance put on the end of the loan; or, repayment of the past due amount extra on each mortgage payment (like I can afford that) - I don't remember what the other was. The only one that appealed to me was putting the past-due amount onto the end of the loan.

Anyway, I then asked about refinancing. "Midland Mortgage company is only a loan servicing center, we don't refinance loans". I started to say that I saw on your website.....OH, yes sir, we ARE refinancing mortgages in Arizona. She transferred me to that department - who never answered. I have to go through them to get to the refi department, they won't give you the direct number. Gag. Get my interest rate down 2%? Talking hundreds of dollars a month in savings. Well, it'd be $200 per month off the payment, at least. NO, it would be more than that. It's amazing how just a couple of interest points can make such a huge difference - but only on house loans, on something like a car loan - not a huge difference.

Weed battle out back is ridiculous. I lightly water them so they will more easily pull out - roots included. Seems like 3 more show up in it's place. I can't spray weed poison or my plants will die. Only recourse - file yet another complaint against my neighbors. They have 3 foot tall weeds and grass over there, and it's all coming this way. I am SO tired of the way those people live. For the purposes of keeping the yards cleaned up and at least some kind of landscaping out front, I would love to have a homeowner's association in here. For most other purposes - I would not. It would never fly. Have to have 3/4's of the neighborhood's property owners sign off on it. WAY too many people opposed to such a thing. I understand - they can become VERY abusive, reckless with power.

Anyway, I just got through doing some weightlifting, plus digging up more weeds, plus watering the plants out back. Have to ask Mary if she's been watering out front - ground looks dry, doesn't look like she has. I'm going to develop my chest, tri's, bi's, quads, lats and other muscle groups - the set up I got for Caleb for Christmas has attachments for that. I'm shooting for 3, maybe 4 days a week. Nothing too intense to start. Can't believe how much muscle mass I have lost - I can't lift half of what I used to be able to. I guess that's what happens when you stop working out for 4 years.

The house is warm - it got warm today - around 85 degrees.

Well, anyway. I'm just WISHING I had money or credit right now. There are houses less than half a mile away going for less then 50k. One is a 1,500 square foot house that has 3 bedrooms and 2 baths going for $39,000.00. 2 years ago, ALL houses in that subdivision were going for a minimum 200k. The mortgage on $39,000.00? I could rent the place for $500 and pay the mortgage and still make money off of it.

Enough. I have some other things to get done and I don't really want to sit here too long before getting it done. Just want to keep moving.

C'ya later.
ben

My plan for today accomplished. Hook the trailer up to the Jeep for the first time, haul it over to the town where my stuff is in storage, ...