Last night was crazy if not highly annoying. Around midnight, I was jarred awake by noises coming into my ears. Unwanted noises. Noises that I could not sleep through. So I woke up and heard - birds chirping.
At midnight. What on earth are these birds doing making all this racket in the middle of the night? It went on for hours. I turned the fan setting up on my AC unit to try and drown out the noise to no avail. I then realized after almost 3 hours that I have ear plugs in the bathroom. I stopped using them at night a while back.
Put them in and walaah, no more noise. Of course, I had to get up in less than an hour but I fell fast asleep.
That was the start of my day today, 4 hours of sleep maximum. Went through the motions, go to the plant and went to sleep in the sleeper after they started loading it. Bang, bang, bang! The noise of the hammer hitting the fittings in the back of the trailer meant that they were unhooking the hoses and time to get up.
After getting out of the plant, I forced myself to drive 400 miles before stopping for a break. Fueled up at the Loves in Sinton, pulled into a parking space and fell fast asleep again - setting the alarm on my phone cause I knew if I fell asleep? It might hours before I wake up again.
It was worth the trouble forcing myself to get down here, for there are no empty trailers and that, of course, equals more money in my pocket for doing nothing more than sitting around until the next day. They allegedly expect to have empty trailers up here by tomorrow afternoon.
During that time, however, I was asked for more and more documentation and explanations of this and that. Why does your tax return show adjusted income of 75k but it shows you made 90k last year? What is this late pay for mortgage 3 years ago? That was just me forgetting to pay the mortgage, not me being too broke to be able to afford to make the payment. But, it doesn't look good on there regardless so that's a ding against me. Then I contacted this loan officer again - I forgot about 4 properties I own here outright to use as assets.
He writes back good and I'll look into that. And then I remembered my boat, my utility trailer and my Jeep - all paid for, owe nothing and more assets. The more money you're worth, the better it looks.
I really want this loan. But, I"m not going to have a meltdown if I don't get it. My credit is good, my income is good, my assets are good, my debt isn't too high. But, I have no idea what these people consider a good risk or not, especially with land, but they want 20% down. That's not a small chunk of change. People putting that much money down aren't likely to just want to walk away from it. I mean, stuff happens in life and people are forced into doing things they don't want to, I get that but I doubt most people are going to chunk down 20 grand and 6 months later say, well that didn't work out! I"m just going to give it back to the bank!
No, I didn't get an answer today, I was hoping they would get this done and give me a reply. I didn't ask them for an answer, tho, I didn't say anything besides what they were asking for. No need to get pushy, they'll tell me when they've made their decision and I'll just have to wait.
If this fails, I give up on bank loans and will just have to hope there is something decent at the next tax lien sale - which is still two months off. and that I can actually get the winning bid - auctions can get carried away with people getting into bidding wars and end up paying far too much for land. Might as well just go give the cash to a property owner and buy it from them for the price some of this stuff goes for. But there are definitely good deals.
The other possibility is that someone puts something up for sale that is big enough and in a good location that I can afford to pay cash for outright. I am looking every day now for any new listings.
Well I guess I got lucky. Two trucks left earlier today but now another empty came in here. Fortunately for me, there is another driver ahead of me that has been here 2 days waiting. If another empty comes in? Per our manager and what he worked out with the plant? "No empty trailers available at time of arrival". And there weren't. That was two hours ago. I need only shut my curtain or leave this yard altogether. But I don't have to leave the yard since it would be legitimate for me to claim detention - if another shows up tonight - since that's what they worked out. My manager made the point: What, are my drivers supposed to stay up all night looking for trailers? That may never come?
I can tell you after last night, I want to have the opportunity to sleep in in the morning.
Well, Facebook has suspended my FB account for 3 days. Woo hoo! I can't wait until Trump comes out with his platform, I would consider leaving Facebook altogether. My time on there has been less and less and less in the last few months. I commented on a post in a debate group - another thing I am not spending much time doing - and someone reported it and of course, Facebook took offense to it. Facebook doesn't like conservatives and they don't even try to hide it anymore. You will obey or you will pay. Nah, bro, I don't care that much about Facebook anymore. If they permanently suspended my account I might miss a few aspects of it but I would get over it quickly. Facebook is digging a hole and eventually will bury itself in it.
I have numerous friends that have been suspended on Facebook for saying trivial, mundane things that shouldn't get them into trouble. The post I was on ? The guy said that blacks not be allowed to have retail jobs - and went on to say extremely racist things about their service. I dunno what happened to that person, I would assume Facebook would take offense to anything like that as well? Who knows, but the Facebook that exists now is nothing like the Facebook I originally signed up for.
So, y'all that know my on facebook won't be seeing me on there for 3 days lol.
With that, I am going to go to sleep.
G'nite.
