Some good news. We managed to scrape together all the cash needed to close the deal on our new home. Amazing. Remember, the lender required double the cash down than we had planned for. Things have changed from two months ago when we first shopped loans. We had planned on an asset based loan ie the lender uses your liquid assets to determine your worth. Remember the stock market? Down 30% in our portfolio since then. So, new loan terms and jumping our down payment and points. But, we are there. I found every damn dollar we have in ready cash and it is enough. Enough for a house and dinner for two. And not just McDonalds. Early February close is projected. Not sure how many crises between now and then. There has to be at least one. Sometimes I am not so sure they are not manufactured so lenders and title can raise prices and you will not complain about it. I will scream.
My sole appointment has cancelled so my day is open. Still have lots to do, I am sure tasks will show up for me as well today. I have never been without work. And to think, I used to use marketing to draw people in. Now, I wish (sort of) they would all leave me alone. Perhaps my age has made me bitter and disillusioned. Don’t be shaking your head up and down. My cynicism is my own, I don’t share.
So, here at 820am I can see my entire day. All the way to bad TV tonight. I guess that’s ok. No stress. The only tasks I cant imagine are connected to the new house. I am sure nothing bad.
Drive to work was free and easy, lull in the storm made the drive pleasant. Wet, but nice. I called Auto Vault, where I store my S2000. I need my plates off the car to switch at DMV for my new vanity plates. Well, I called every number they had with no answer. I had a wild cell number for one of the guys that work there and it worked. He actually answered. No one was in the place so I had to reschedule picking up the plates till after work.
Got to work, with no schedule to follow. One call was scheduled at 330 with my practice consultant.
So, spent the day on the usual things I forget by the time I get home. New day, same crap. I have got to start writing this shit down as it happens.
I do remember my call at least. We went over my marketing plan, services offered and pricing. Stay awake!! This is important! And boring. Sorry. Well, consultant Ciara also discussed time management skills (mine) and how I might improve them. We then had a nice discussion of selling more to current clients. For money. She is a big help.
After that I called Dad. He is involved in the house purchase, he may end up living there so we include him. We discussed the transaction and I let him know we need his trustee appointment paperwork. Lenders want every damn thing in the world. I haven’t bought a house since 2002 and the level of scrutiny on home purchases has gone up ten fold. Not sure why my dumb ass government wants to be in real estate so bad. I hate them.
Auto Vault called just to be sure I was coming. I told them I would arrive before they closed.
Time to leave. I have to go to the bank first and then to the Vault. As usual, long lines at the bank. One teller window open. I don’t know bank management, but I can identify nine angry customers. In line in front of me.
Next I go to Auto Vault. Hey, guess what, traffic is insane and it’s started to rain. Well, I did make it. 15 minutes to get on the freeway, 16 minutes to drive 9 miles, got there at 555. Time to spare!
The nice guys at Auto Vault has. It taken the plates off yet. All day they have, I called at 10am, and they do nothing till I get there. I may not know Vault management, but I know an annoyed customer.
Drive home was quick, of course, I was not in a hurry.
At home Emily already had dinner going. Isn’t that awesome? Yes it is! We are having tacos with romaine leaves instead of tortillas. She also went out of her way to make Chile relleno casserole too. Fantastic food is her specialty. Dinner was exceptional especially for a mid week night.
As I said earlier, now is the time for bad TV, right after I wash the dishes. She cooked, I washed. Fair is fair.
TV was actually ok tonight. But I need to go to bed because I have to be up early to get Emily’s car to the window shop. The insurance glass shop is an hour away and it’s raining. Long drive and its gonna take three hours to repair. So I gotta get to bed.