So, finishing my shower, I received an email from the loan company with the final version of the closing.  I was literally shocked to find out that instead of the 85k I was going to get, it went down to 66k.

Now there's a history behind this.  The loan officer called me the other day asking me about this 20k that was "hidden" behind the loan. Yes, I told you about that at the beginning.  Okkk, he says, well that wasn't included in the loan amount.  

So what are you telling me? I replied. Are you going to take 20 grand off of the cash out?  He was looking at it while on the phone with me for a while, said well no, it looks like it was baked into the loan itself.  I said great.  Fast forward to literally just a few minutes ago and I'm looking at this thing and my plans going right out the window.  

I wanted 70k left over after paying off debt.  I texted him my dismay and confusion about this. He immediately called me - I'm speaking of the loan officer -and went off how he told me the other day about this.  Yes, you did and you said the 20k was actually part of the original loan, nothing to worry about.  We went back and forth for several minutes, until he finally apologized.  He said he thought he had clarified it for me and it's up to me.  He did go over the details of even with only 66k, I'm saving a ton of money off of the current loan because of the way they made it up. 

Yes, I didn't know they had made it a 40 year loan, that information wasn't disclosed to me at all.  They must have just slid it on by me without my knowing it, I would never have agreed to a 40 year loan.  Or would I? My memory serves me that the loan was 30 years.  That means right now, I should have around 22 years left on it.  It was a modification made during the Obama era, well after the 2008 housing bubble that - screwed America up for quite a while.  

I knew about the 20k thing, I didn't know about the 40 year thing.  Anyway, it had dropped my monthly payment almost $300 and I was quite pleased with that.  

We discussed this new loan for a bit and I just opted to go ahead and continue on with it.  I can't get 66k loan at 2.3% interest rate anywhere else, that's a fact.  And it's only adding $300.  A 66k personal loan would have me in the $1,500 per month range.  So, still waiting on the dude to show up, but now my mind is flooded with new thoughts about how to handle everything.  Should I still pay off some debt and get 2 loans paid off and some credit card debt pay off?

I think the easy answer to that is yes, definitely. But now, how much of it should I pay down?  I am paying it down $500 over minimum monthly payments as it stands, but it was going to take a while to get them down into near zero territory.  

I'll be thinking about that for a while.  No need to rush it, but I will pay off those small loans this month.  I also realized I won't have to pay the mortgage this month.  The loan will be paid off, there is no need to make that payment.  I can use that towards paying off those loans.  

I just have to rethink what I am going to put up initially.  I still need a bath house and an office.  I'm guessing around $35k for those two, maybe 40k.  A swimming pool I wasn't going to pay cash on anyway, I was going to try to get a pool loan. 

Actually, thinking about it, I just want to get my credit cards down to 10% of total available credit. That's when your credit score cranks up nicely.  The rest I'll just pay off over time, continuing with making large cash payments towards the highest amount on one particular card that I've used quite a bit.  

Ok. Getting it down to 10% won't be that much money, I should have round 122k after all is said and down towards building out the park. 26k for the utilities, probably another 15k for the gravel and lots, 8k for the office building and unknown for the bath house.  I was thinking 20k but that might be low balling it. I'm not planning on building a huge bath house, just maybe 1 bathroom/shower for men and 1 for women plus a small laundry room on the side - or - get another portable build for laundry.  

Actually, I can get a decent sized portable building for a bath house as well, around 10k. But, you have to do all the interior work.  I bet another 10k to do all of that.  I'm not really there yet, sort of tho now that I won't have as much money as I originally anticipated.  

Well with all of that I'm at no more than 75k, I'll say 80k to be safe.  That's 42k left over to do everything else.  I think I'm safe.  The other stuff is a doggy park, finish the walking trails, dig out a pond and develop the lots - new, small trees to be planted and plant grass. Put some bushes near the trees and over time it will all grow to be a beautiful setup.  Oh, picnic tables at every lot and fire rings.  And also tent camp sites - but those shouldn't cost too much.  Primitive sites, they will have running water, picnic table, fire ring and considering building these pads they put up with sand in them - I think it's sand anyway - to pitch a tent on and have a more comfortable setting.   and that's it.  If they want electricity, they can stay home lol. No way, at least currently, that I'm running electricity all the way back there, far too costly.

Some day, if I ever decide to build a house back there, then yes, they will have to install telephone poles to run the power line over the easements.  Not sure how I'll get water back there with those easements, perhaps I can just install the line with shut off valve, if they need to dig up a portion of it in an emergency, just destroy the pipe and do what you need to do, I can fix it after they're done. A separate septic system would have to be installed back there.  

Oh, back on Keto. Went off of it for the holidays, started back up about 5 days ago.  Getting fat, the problematic point for me is contemplating having to buy the next sized up pants. No thanks.

Anyway, the officer should be here any time now.  

 News

A local loan officer will be here at 1:00 pm to do the closing signing.  You can't just have any ole' notary, I found out, you have to have one certified in closing documents. Learn something new every day? I guess, a regular notary would have just brought the papers, had me sign them, endorse it with their signature and stamp, enter into their log and be done with it. Right? I will find out soon enough, it's 11:30 am.  The loan officer from the company I'm doing the refi/cash out said that if I want to have it wire transferred, I need to fill in a block of info on the signing.  

Yup, I don't want a check, I want it wired directly into my account.  After that, it's going to go into another account. Last I checked, you are only covered up to 100k at a bank, after that,  your loss.  Just going to dump that entire amount into a new bank account after I get it set up, a local bank at that.  

Beyond that? Well my dispatcher apparently has been starting a lot of trouble with other drivers, I found out from the guy that initiated the driver texting group.  First, she sent out a text to all drivers - excepting me, I'm not on the list and knew nothing about until yesterday - saying that Comacho - he's the dude that runs the transportation department of the company that has us hauling all of that cryo product down to the border.  She informed everyone that detention pay would not longer be paid 14 hours from the moment you arrive, detention time would start after 10 hours of being down there.  

That would all-but-effectively end detention pay.  When we go down there, we start the 14 hour detention clock immediately.  After 14 hours, we are "off" for 10 and then if we stay a second day, the 14 hour clock starts again after the 10.  Note that the old company I first worked for before it was bought out by this current company gave us detention pay the entire time we were down there.  

She started a firestorm of angry drivers, apparently, contacting her, her manager and our manager.  Shortly after she sent out this text, her manager sent out a group text, including to her: Ignore Amanda's last text, nothing has changed with detention pay.  Must have been a slap in this new dispatcher's face, she for some reason hates that we get paid for waiting down there and has made it very well known to everyone, including my manager, who apparently had some choice words for her.  HE got the contracted re-worked after this  new company bought us all out and got us the 14 hour wait pay. They were going to do away with it altogether.

There would have been hell to pay with that decision, no one would want to go down there. Why should we? Wait for up to 2 sometimes even 3 days for nothing? No thanks.  Especially knowing the fact that our company gets paid for that wait time regardless.  

After that, this driver that called me went down a list of people she had pissed off. He said that if I ask literally anyone in our group if they had had a bad encounter with her, they would all give a resounding yes!  Typical truck drivers, speak first, think later.  But, perfectly understand the derision that ensued in mocking this dispatcher - tho I won't engage in that.  He then found out I wasn't on that list and apparently a viola! went up - he wondered why I hadn't jumped in there and said something immediately.  I probably would have, tho not deriding the dispatcher, I would have questioned the validity of her statement.  

Apparently this dispatcher has caused so much angst and anger among drivers, most of them are hoping she is fired and many are looking for new jobs.  This company couldn't cover a bunch of drivers walking out.  There are having a hard time finding new drivers - as are most all trucking companies - and are giving away prizes and lots of cash to anyone that can recruit new drivers into the company.  It's probably why they have, so far, tolerated me covering up the inward facing camera and microphone with duct tape.  

I'm actually glad I missed all of that.  

As for today? I have no desire to drive, yet, she wants me to take an empty to Amarillo for service and bring an empty that has been serviced, back.  She knew I had this going on today, but she told my manager "he has some personal business" to attend to. She neither knew the time it was going to occur nor did she care that I wanted the day off and that she had already given it to me. I am weary from constant working. I need a day or even two off right now.  From now on, I'm copying both the dispatch manager and my manager with any promises of time off.

We are planning a vacation to San Antonio soon - no date yet.  Probably 3 nights. Doing the river walk. I haven't been there in many, many years.  There's a lot of stuff to do there and there are some really nice hotels. But once I we get a date and I ask her for the time off, I'm making sure that this isn't going to happen again.  

The land clearing? I've asked this contractor a few times in the last couple of weeks, via text messaging, when he was planning on starting the project?  He never replied, so yesterday I asked again. No reply, so I sent a ? and then finally he said he was hung up on a project in DeKalb (small town probably 90 miles north of here) where he was building another RV park.  He said the rain had stopped work and they were waiting for the land to dry up so they could resume and finish. He said "probably" the 24th, which is two Mondays from now.

No, I am not upset about that. I have yet to finish the tree marking and frankly, I'm weary.  I could have gone out there this morning and done it, but I instead have been sitting in my bedroom for several hours.  I got up early, went with Taylor to take the 7 year old to the bus stop and then the 4 year old to day care.  Then off to breakfast, over to Super 1 to get some hamburger meat that is on sale - a lot of it - home, roasted a whole chicken, have that ready to go and now? Just going to take a shower, get ready to go after this guy shows up and we do the signing.  I wouldn't mind if he didn't show up until around 5:00 pm. I could then legitimately say the day is gone, I can go tomorrow or you can find someone else.  I've already made over $2,000 for next pay period, I'm getting a very large paycheck tomorrow, had a large paycheck last friday and the one before it was great as well.  

That's the only benefit of endless driving.  Huge paychecks.  I'm always of the thought, however, that there is more to life than working or money.  Money is good to have, yes, but it shouldn't consume an entire life to the point you have no time for anything else.  Hence, wanting to get into the RV park business - get that up and running, expand it when I have the financial capability to do so and then do that full time.  Home every day, have some part time employees helping out.  Taylor will arleady take care of the books and phone calls.  She found someone to clean the bathroom once a day.  I only need someone to clean up the property here and there - or I guess I can do it when I'm in town but I'm not sure I'm home often enough to keep up with it.  

Initially, the park will not have on sight management. It will have video surveillance to at least keep an eye on things.  And limited surveillance. The outside of the bath house, the entrance to the small office, probably the entrance and exits to the lots.  Oh, and one on the gas driveway.  That's about it, I don't want to get too intrusive with surveillance.  I'm not sure how I would sell firewood with no one there to collect the proceeds.  I'm not going to give it away.  I guess I could just have several cords out there and "please call" this number, say how many bundles you want and we will charge the credit card on file.  Maybe.  It's not just to make money, it's for all the people that want to have fires - there isn't going to be any wood laying around out there. 

Anyway, I need to get offa here, take a shower and get ready for the day ahead.

G'day.

 The person writing this article says it is a relatively "new" meaning for the word, but I've been hearing it literally all my life. 

Regardless, here is a bit of info on "being trespassed". 

BEHIND THE DICTIONARY

LEXICOGRAPHERS TALK ABOUT LANGUAGE

Trespassers Will Be Trespassed

April 25, 2013

By Neal Whitman

My sons and I arrived early at the mall movie theatre last weekend, so the three of us decided to explore a little. Doug, Adam, and I walked up to the multiplex's mostly empty upper floor, and down the hall that accessed the back exits to some of the individual theatres. We realized that we could sneak into some movies this way, by simply boarding the elevator on the ground floor, in the public area of the mall, and exiting on this floor, inside the theatre. Bypassing the box office and guest services desk, we'd be free to enter the theatres from the back.

In search of other discoveries, we continued to the end of the hall, where we saw an exit sign, and decided to see where the exit passage led. We descended a metal staircase, checking out sparse graffiti on bare drywall. At the bottom of the stairs, I was puzzled to see that the passage that had been labeled an exit at the top of the stairs was now an area for "Authorized Personnel Only." So we turned back. Back on the main level of the theatre, Doug remarked that the sign had also said, "Violators will be trespassed." Adam and I told him he must have misread, but he was insistent, so we turned away from the concession area to check out his story. We went to another out-of-the-way exit door, which Doug realized was near the bottom of the stairs we'd climbed. We held the door open while Doug went back to the sign and took this picture:

He was right!

I've seen signs that say "Violators will be prosecuted," and some that say, "Trespassers will be prosecuted" — although Garner's Modern American Usage points out that since trespassing is usually a tort rather than a crime, prosecute is usually the wrong word. And of course, there are the (semi-)joking versions that say, "Trespassers will be violated," which has been mentioned in places such as a 1983 issue of Verbatim, and dates back at least to 1958, according to Google Books. I wondered if the theatre sign was a joke, put up by a rogue employee, or maybe just some other explorer like us. Or maybe the creator of the theatre sign had had in mind Trespassers will be violated, realized it was a joke, didn't quite know how to fix it, and ended up just swapping the verbs trespass and violate. However, I've since learned that the verb trespass has picked up a new meaning in the last twenty years or so, one which hasn't yet made it into any of the dictionaries I've checked.

Following a suggestion from Jonathon Owen of Arrant Pedantry, I called the number on the sign the next day and talked with a man from mall security, who told me that trespassed meant "evicted from the premises for a certain period of time." He also said that he had been confused at first, too: "I felt the exact same way as you."

Trespass, according to the Oxford English Dictionary, comes via French from the Latin trans ‘across' and passare ‘pass'. It has been used in English since about 1300, and is usually an intransitive verb, sometimes taking a preposition, as in trespass upon or as we forgive those who trespass against us. In the past it has also been used as a transitive verb, taking as its direct object the person that the trespasser injures. An OED citation from 1523: "They had greatly trespassed the prince." Even the line from the Lord's Prayer has had transitive trespass in some translations: The OED cites a 1526 publication of the Bible as having "even as we forgeve them which treaspas vs." These days, you can find transitive trespass with the property as the direct object, as in this line from the Orlando Sentinel in 1989: "Cutting through parking lots is trespassing, and private property should not be trespassed." But both of those uses refer to going where you shouldn't go or doing what you shouldn't do, not to banning someone from your property.

The earliest attestation I've found for trespass with that meaning is from 1990, in a digest of criminal court cases from Louisiana, Mississippi, Alabama, and Florida:

… the defendant will stay away from the community of Plantersville so long as the Beardens and Mott family live there, particularly stay away from and is trespassed from Nina Mott or any member of her family...

The next example is from six years later, in a similar digest from the same publisher, this one with court cases in Hawaii. A police officer is quoted as saying:

If [Defendant] wanted to continue going to other clubs in Waikiki, he's more than welcome to, but he was being trespassed from [sic] Hernando's Hideaway per management.

The [sic] is especially interesting. Is it calling out this innovative usage of trespass, or just the choice of preposition? (And by the way, how do you quote something that includes a [sic] and show that it's part of the original quotation, not your own comment?)

As we enter the 21st century, this new version of trespass comes with an explanatory comment in this 2001 attestation:

…Faber alleges in his Complaint that he was "trespassed" from the Mason City Menards store, which meant that he was banned from ever reentering that Menards location.

However, to step back to the 20th century for a moment, there's an impressive blossoming of "ban-from" trespass in J. Robert Wyman's 1999 book, Loss Prevention and the Small Business: The Security Professionalʼs Guide to Asset Protection Strategies. Starting on page 90, you can find examples in various finite and nonfinite forms, in both active and passive voice, apparently written with the full expectation that the reader would have no trouble accepting them:

Fingers was trespassed from the store for two (2) years ….

If your policy states that all shoplifters will be trespassed, then trespass every shoplifter. Subsequently, prosecute every trespassed person who enters your store without permission. If you pick and choose who you trespass, or who you arrest for violating that trespass, then you open yourself up to charges of prejudice and discrimination. …

Most state laws allow you to trespass any person who disrupts the usual flow of business. …

The person being trespassed first has to know what acts constitute a disruption of the business.

You do not have the right to detain someone for no other purpose but to trespass them from your property.

The longest of those passages gives a clue as to the origin of this usage of trespass. It mentions "who you trespass, or who you arrest for violating that trespass." Evidently, trespass can be used as a noun to refer to the action of telling someone they're trespassing on your property. From there, as readers of Visual Thesaurus are probably well aware, it's an easy step to "verb" that noun, so that trespass can mean "to give someone a trespass notice", i.e. notify them that they're trespassing.

Of course, notifying someone that they are trespassing is not the same as banning them from your property for some period of time. But given the high likelihood of these events co-occurring, the meaning extension is understandable.

Examples of this "ban-from" trespass continue to turn up in the 21st century, and interestingly, although all the examples I've mentioned here are from American sources, they are noticeably more common in New Zealand. Here's the earliest one I've found, in the Christchurch Press of July 9, 1998, via ProQuest:

He said before the protesters could be trespassed each one had to be informed individually and in a clear and unequivocal way that their right to be there had been revoked.

And the most recent, also via ProQuest, from the Manawatu Standard of June 2, 2012:

A Palmerston North man shocked to find titillating toys among the tiaras in the children's section of a discount store was trespassed by police after he confronted the shop's owner.

The Kiwi affinity for this version of trespass is confirmed in the most recent corpus in Mark Davies' BYU collection of corpora: the Corpus of Global Web-Based English (GloWBE). Of the 19 Anglophone countries represented, the strongest results for BE + trespassed come from New Zealand, as do those for any form of the verb trespass followed by a pronoun or proper noun.

"Ban-from" trespass has gone mostly unnoticed, but not entirely. On the English Language & Usage Stack Exchange ("a question and answer site for linguists, etymologists, and serious English language enthusiasts"), a discussion popped up last year about a headline (in a New Zealand newspaper) that used trespass to mean "ban." One participant, James McLeod, simply called it "illiterate newspaperese," but another going by the handle of ruakh (who also happens to be a frequent commenter on my blog), offered up several hits from a Google search for "trespassed him." All but one were from states in the Deep South, which makes me wonder if the unremarked use in the 1990 Alabama case is close to the origin of this innovation.

So how can this new meaning of trespass coexist with the old one? Somehow it does. You can even find them both in the same passage. Nestled among all the examples I listed above from Loss Prevention and the Small Business, there is also this one: "…If someone is on your property without your permission, they are trespassing and can be arrested." I suppose it's no weirder than saying, "I'm baking a cake right now, but it's not finished baking." Still, I'm waiting to see a sign that says, "Trespassers will be trespassed."