Monday, July 17, 2023

 The tent lady is interested in the coach.  I could sell it to her on payments as was my plan to sell it on payments anyway.  Basically, she pays the normal lot rent and then money on top of that towards paying for the coach.  I'd like to see her be at her job for a while before doing that, tho any money paid will be non-refundable.  You pay, you keep. You don't pay, you go away.  Pretty much something that would have to be written into a contract, signed and notarized by both parties in the agreement.  

I'm looking at 25 months at the moment.  Yes, that's a long time but I just got done with car payments that went on for 60 months.  So, nothing new there in the finance world.  The other stipulation is that the thing does not leave the park until it's paid for and rest assured, the engine will be disabled to ensure such never happens.  They won't have the title anyway.  It's just the same as the bank who just sent me the title to my vehicle with no liens on it, I paid it off, it's mine.  

I feel like I have to write these things out for some people to be able to grasp how this concept works.  The bank - or me - owns the vehicle until it is completely paid off.  If I had stopped paying before the last payment on my vehicle, guess what happens? Yup, they send a company out to legally steal it, impound it and then it gets sold at auction.  Sometimes the bank puts it up for sale first, the point being you have to pay the thing off entirely before the bank is no longer on your back about it or has any interest in the vehicle.  

The only difference I am going to make is I won't charge interest.  Instead, I'll just jack the price up - a bit, not ridiculous - to make some money off of it eventually. That's the whole point of being in business, buy things at one price and sell them at another. Yes, I know my situation is the hospitality industry but it is now expanding.  

Monday - morning. Not particularly early, either. I woke up early but nothing was registering with me.  My sleep has been sporadic for many months now.  Last night it wasn't so great, up at 3:00 am and back to sleep maybe by 5.  When that happens and I am not forced into having to get up for anything? I'm sleeping in.  If I had a job, yes, I would force my @$$ out of bed and go do whatever it is.  

Speaking of jobs, this company called me back a few minutes ago. "Some good news and some bad news, I'll give the bad news first".  My mind instantly went through a whole range of potential scenarios where maybe there was something on my record? No, there is a speeding ticket but that was more than 3 years ago. I listed the accident and the ticket that came with it, no sense in trying to hide that. I detailed my exit from the previous company.  My CDL is current and my med card is also current. 

When you're filling out an application for a trucking job, you go through a whole field of permissions that you must acknowledge and sign.  They do all kinds of checking on you. Much of this is required by the feds or it's required by their insurance carrier.  Criminal background, civil background, DL checks, other trucking specific checks, it's pretty inclusive.  So, they know all about me now.  My fears were alleviated quickly. 

The bad news? A storm went through their El Dorado facility - which is what I would be based out of in Arkansas, not terribly far from here (not close either, but I don't have to stay at that facility, I can take the truck home, which would be parked over at the property) - and knocked the power out .The manager who wanted to call me and apparently get a feel for where I'm coming from ended up in a hotel and told the recruiter to inform me he'll be calling tomorrow at 10:00 am.  

That wasn't terribly bad news.  I guess the good news was he's calling tomorrow.  Ok, let's just say I am relieved that they went through everything and found nothing that would stop them from hiring me.  This will apply to most companies unless a company is specifically looking for a clean driving record, of which I cannot presently say that I have.  Shrugs shoulders, s*** happens, life happens, I had an accident, live and learn.  Move on.  

I did call a lawyer about this dude smashing me in the face during that accident stop, but they turned out to be accident injury lawyers, not the kind I need apparently.  I don't really want to end up in court over this, a call from a lawyer - you punched my client in the face, we want X amount of money.  Not terribly much, but he had no legitimate reason to punch me either.  It was sore for a few days, it was red on the outside and bruised on the inside.  Nothing terrible, that isn't the point.  

I suspect his going to jail was enough to give him a wake-up call - you can't just go around hitting people. I hadn't been punched since my teenage years.  I don't go around looking for fights, I'm getting a bit old for that, don't you think?  I specifically told the DA I didn't want him going to jail, actually just want an apology.  That will likely never happen.  Even if it doesn't, I am not going to demand the man spend time in a jail cell.  If he does it again to someone else, well, that's on him and yes, he'll probably end up in jail for a bit.  I'm more of the community service and possibly some counseling.  

Anyway, today?  I have to go get the sign, go to Walmart for Taylor's meds (she has to have an inhaler or she can't breath, basically), over to the court house to get the title transferred over into my name and over to Kroger's.  Kroger's is sort of a priority.  Taylor being pregnant, she has certain things that she wants to eat that can't be denied.  One of them is crab.  Kroger's is having a $7.99 per pound sale on it . Last week? It was $23.99 per pound.  Even when I was making great money I didn't pay that much for it.  

After that I can go to the property and start trying to find where the water leak originates from and see what it's going to take to fix it.  It's a big leak, unless it's in an inaccessible area, it should be easy to find.  I dunno about how easy to fix.  I want that done before anything else.  Or at least find the problem and see what kind of headache I may have in fixing it.  It will be fixed, one way or the other.  It's plumbing, plumbing can be a pain but it's not rocket science. 

I got a call from a lender saying that my D&B (Dunn&Bradstreet) score had gone up to 70.  I had no idea what that meant so I went to D&B to see. I started an account with them as soon as I found out you need one with them for any bank to really look at you for a loan.  Out of a 1 to 5 rating, 1 being the best and 5 being the worst, that puts me at 2.  It's an outlook they provide to determine whether you will pay back any loans you may get or if you'll declare bankruptcy or otherwise just walk away from it.  

Uhhh?  I know they don't know this, but I have so much money wrapped up into this thing, walking away from it would be stupidity defined.  It's easily a $400k property at this point.  Ok, maybe 350k.  Definitely somewhere in that neighborhood. Land prices have skyrocketed over the last few years, going rate is around 10k per acre and that's lowball now.  There's 250k worth of land, maybe subtract a bit for that gas operation - but probably not since no one else does it.  Then you have getting close to 200k wrapped up in the RV park portion.  

Hence, I think it a conservative figure to call it 400k.  Would anyone pay that much for it? I have no idea.  That other RV park is still up for sale, they haven't managed to sell it yet.  They brought the price down from 1.2 million to 1 million. It's 40 acres, has a building on it, a pond and I think 38 spaces.  That isn't much for a million. They turned down 750k for it.  Which is odd since the operation sits idle and has never been opened for business. 

I dread when they open. They are not close to town, really, but they are a threat to my business.  I don't have the financial wherewithal to compete with a person that spends that much money on a property and then presumably will add important upgrades.  Nothing I can do, but I'm watching for an opening sooner or later and also will be inspecting what kind of advertising they will do.  

Oh, well the person that called with the D&B upgrade left a message stating they can give me a loan for up to 500k because of the upgrade and etc, so forth and so on.  

Tempting, but when people call me like that, I don't trust them. FAR too many scams going on nowadays with everything. And hold on to your hats with the AI scams where the AI can speak exactly the same as any given loved one.  It can trick you into thinking you are talking to that person.  







 


















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