Sunday, January 15, 2012

Sunday 1/15/2012

Stayed up WAY too late last night and now?  I have no desire to go to church this morning, at all.  I haven't decided yet - which gonna have to change soon if I am going cause' I will have to leave in like 45 minutes.
It's 5 hours later.  Yup, I forced myself to get into the shower, get ready and get to church and I can honestly say that it was the best decision of the day.  I won't go into the details - God is good is all I will say about that.
It's kinda cool out today and the sky is overcast.  In fact, it's starting to rain as I am typing now that I noticed.

The neighborhood is - not quiet - a bunch of people across the street getting drunk; 350 man sticking his nose, eternally, into other people's business and who knows what Randy is doing over there.

Another 5 hour interlude.
My mind is full at the moment and attempting to analyze numerous things that need completed in the memory department.  I can safely put short selling the house on hold until the government officially rolls out the new refinance program and I find out - for good or for change - whether I qualify or not.  Although it doesn't really make me happy with the current payment, it does allow for peace.

I hooked up the printer - finally - that we scored at Walmart on Black Friday - like at midnight - and it works swimmingly and with only 2 cartridges compared to the Epson's 4 cartridges of ink.  Which gave me occasion to write up 2 notices. One entitled: "The Lake of Pee", posted in the main bathroom and the other was a personal notice - cleanliness issues in the kitchen - slid under the door of a tenant. If such notices give rise to the occasion of a tenant moving out because of it, then they didn't belong here in the first place.

So, that issue at least addressed, more in the "mind" peace department.  Next issue - a constant one really - is this idea of getting to retirement - broke and poor.  This is unacceptable.  I have taken steps to alleviate that problem - but in terms of numbers in actual accounts? Dismal.  This can change over the years, of course, but at the moment it is a bit depressing.  I could "retire" for about 8 months on my current savings.  Not a funny matter, certainly not at my age, indeed.  Okay, if I were retiring with SS benefits, that number of months would increase to - whatever it needs to increase to to live.  Baby Boomers are, unfortunately, retiring without enough money and having no recourse.

I am at the last year of the Baby Boomers.  I turn 48 next month and for me, an even more sobering thought. If I had a house paid off by the time retirement arrives, then no big deal whatever I have to live off of.  But with a mortgage payment? Yikes.

This is why I want to short sell this house.  Even if it's 3 years to getting into another house - I can get into one for half the mortgage of what I have now and have it paid off in 15 years max.  That's 18 years from now-  which is beyond what I want to retire at.

So, I am again - many times over have I given this thought - revisiting the idea of building a casita/guest house.  It's the cost of doing so that has stopped me, but now I am going to research doing the entire thing by myself.  There is even a college course on teaching you how to do such. Yes, I have thought about taking a course or 2 of college about the things that will make me money, not anything that will drive my career ahead, just things that I can learn that I can do to increase my income.  I can build a basic structure, even follow basic plans, but there are some things I don't know how to do in terms of city code compliance.

A self sustained guest house - meaning a small dwelling that has it's own small kitchen and bathroom - could bring in a very nice price per month.  6 to 8 k per year extra is what I am looking at.  15 deep by 10 wide.
Doesn't sound like much, but it's enough to build a kitchenette style dwelling that I could live in and rent out my master bedroom or that I could rent it out.

I'm going to get there, eventually, if I stay at this property.

Many other things in my mind, not the least of which was a very nice looking lady who loves the Lord that I encountered at church this morning.  Single as far as I know.  Not necessarily sure of that.  Yes, I am still wanting a mate, but not in a hurry to get into a bad relationship, thank you.  Time will tell.

Time to go to bed, work in the AM.



Arriving at Galveston beach, the hotel let us in early.  No time to waste, Taylor had her itinerary and we weren't in the hotel 10 minut...