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Archive for October, 2016

Received An Actual Estimate

October 30th, 2016 at 07:48 pm

Yesterday I was blessed with an actual visit from an actual roofer, which ended with him handing me an actual estimate. I don't even know how to act now.

Unfortunately, the estimate is 9.5k, which is quite a bit more than the online estimator tool I used had calcuated. I don't know if it is a fair price or not. For an extra 1k, they will also install all new rain gutters.

I have contacted a third roofing company via e-mail. So we will see if they get back to me or not.

Yesterday while at my mother's, my little mutt Buster Brown chewed through a board in her fence and escaped. We looked for him, then called the police (my mother lives in a small town). The police officer had in fact received a call about my little Buster wandering freely in the neighborhood, had picked him up, and had taken him to the animal shelter. The animal shelter is closed until tomorrow. So Buster has been enjoying a vacation at the animal shelter. The PO assured me he had personally shown Buster into his cage, that he had a cushion to lie on, food, and water. I will have to pay for his board. Yay.

My niece's foster baby is in the hospital. I do not know the details. She has texted me a few times but her focus is not on keeping me informed. I do know he was taken by helicopter to UCSF children's hospital. I know he is receiving the best care possible and hope he will be enjoying good health soon.

HELOC is a Done Deal

October 26th, 2016 at 05:28 pm

I signed the documents for my HELOC from Wells Fargo today. The line is 30k. There were no closing costs. The annual fee is waived since I have a PMA checking account. The interest rate is variable. Currently, it is 6.75%. It can never be higher than 13.75%. There are several ways I can draw funds. The simplest is to log on and transfer from the HELOC to my checking (or savings, or Visa, or IRA I suppose).

The roofing company I contacted on Sept 7th promised to come out the next week to give me an estimate. Never heard from them. I e-mailed again on October 12th to see if they still plan to come out. To date, no response at all to my follow-up e-mail. So I have contacted a different roofing company. A man is supposed to be coming out Saturday to give me an estimate on a new roof and new rain gutters too. I guess if he shows up it will be a productive day.

This past weekend, I spent Saturday with my mom and attended the memorial service for my friend's uncle. Sunday I spent with my niece and her foster baby. We went for pedicures and did some shopping. That baby could not have been any better. I just love holding him and smelling his sweet baby smell.

SB needs to make some decisions regarding his acreage up in the mountains. We have been brainstorming ideas to get some income from the property. This will be good whether he decides to hang onto it or sell. If he does decide to sell, he will need to reinvest into some other commerical property. These aren't my decisions to make, still I am trying to help him make the best decisions possible.


Trying To Smell The Roses More Often

October 20th, 2016 at 07:00 am

Last Saturday, I went to a party thrown by my DFS3G (dear friend since 3rd grade) in honor of her parents' 50 year wedding anniversary, plus her father's 80th birthday. The party was held on their property (country people). They hired a band, had it catered, the whole 9 yards. Friends and family coming from all over were expected.

Just a few hours before guests were to arrive, the brother of my friend's mother, went to the barn to get a bale of hay. He did not return for what seemed like a long time, so friend's father went looking for him. He found him lying in the barn, dead. They assume it was a heart attack, but that is not certain at this point. The birthday/anniversary party turned into a wake of sorts. It was a sad day.

On Sunday, SB and I went to see the movie "The Accountant". I thought it was a very good movie. I haven't enjoyed a movie that much in quite a long time.

On Tuesday evening, SB, J, J's girlfriend A, and I met my niece and her husband for dinner. The restaurant is a favorite of niece's as they offer a buffet on Tuesday evenings with crab and shrimp. This is the couple who are doing foster care and wanting to adopt. They had a 2 month old baby with them they had just "received" on Saturday. (Is that what you call it when you bring home a new foster baby?) He is not eligible for adoption and they know that. He is so precious. I certainly enjoyed holding and smelling him. Smile

After dinner, J and A told SB and I that they plan to get married in about a year. Wow. I had suspected this might be coming. J is still working 2 part-time jobs. A recently resigned her job at Home Depot to have a few weeks off before leaving for boot camp. She has enlisted in the Navy.

Last night SB and I met a girlfriend for dinner and a movie. We saw "Girl on the Train". It was almost as good as the book, which I read last year.

Also last night SB surprised me with concert tickets he bought only yesterday. The concert is tonight in Sacramento. Jimmy Buffett, who I have wanted to see forever.

So I have been busy and spending some money.

Home From Cruise

October 12th, 2016 at 05:00 pm

Well, I got home Sunday from the cruise. SB and I had a great time, and we caught some new Pokemon. Stick Out Tongue It was nice to have time to re-connect as a couple with no other distractions.

The service for my cousin was very nice. He taught math at both a high school and community college in San Diego. The service was on his college campus and was attended by hundreds of colleagues and students. His mother especially was comforted that he had been so well liked, loved, and respected by those who knew him. Still, it is sad to say goodbye to someone so young. My cousin was not married but left behind a partner of 10 years. I had never met the partner before; he is a very nice man and is just devastated.

Seeing family I had not seen in many years was nice. Of course, this sort of thing makes you contemplate your own mortality. It is sobering to realize how many years it has been since you have seen cousin so-and-so; how quickly your life goes by.

This trip was a bit pricey. A group of my family were staying in a Marriott Suites hotel, so I stayed there too. I usually opt for more economical lodging, but I wanted to be where my family was. SB paid for the cruise, but the additional 3 nights of lodging is all on me. That is only right since it was my family and my desire to attend the service.

So my little CurveBall Fund at WF will be taking a hit. Otherwise, I would have to carry credit card debt and that does not appeal. I am not certain I will have 5k earmarked for a new roof this spring. I could maybe put it off another year, but I don't really want to do that. I am still not even certain 5k will do it. I used an online estimator tool which said my roof should cost 4k - 6k. More than a month ago, a local roofing company said they would be coming by to measure and then email me an estimate. I am still waiting for that. I emailed them again today.

I have applied for a HELOC at Wells Fargo. We will see what they say. I'm not certain I will need to borrow, but it doesn't cost anything to have the HELOC open and ready to go.

Well, I am off to my second job. This is my third night, and I may or may not need one more to finish up. The week I work at my second job in the evenings is always a long week.

Mortgage Chips To Date

October 9th, 2016 at 07:44 pm

My mortgage payment has posted. This month I paid an additional $15.40. My new balance is $163,975.00.

Chips to date: $2,097.48

Interest savings this month: $7.82

Interest savings to date: $199.06

Eventually, the interest savings on the chips I have already made will compound to $4,464.64, provided I own this house until July 1, 2042. Which I probably won't. Stick Out Tongue

Leaving Today

October 1st, 2016 at 09:45 am

SB and I are leaving for our cruise today. We will drive to Bakersfield, spend the night, then drive to Long Beach in the morning. Our ship sails tomorrow afternoon.

When we return on Thursday, we are heading to San Diego and will stay until Sunday morning, then drive home.

The son of my first cousin passed away unexpectedly on Wednesday morning. He lived in San Diego and that is where his funeral will be a week from today.

He was getting ready for work and collapsed, never regaining consciousness. The coroner determined he died of a heart attack. He had just turned 40 in August. He exercised regularly and ate healthy; he was not the least bit overweight. He did not smoke or take any recreational drugs. He did not have high blood pressure, high cholesterol or any symptoms whatsoever.

I am looking forward to the cruise and to seeing extended family. But my heart just breaks for my cousin and her husband.

September 2016 Budget Report

October 1st, 2016 at 09:26 am



Everything else this month included:
vacation rental 493.71
clothes 379.69
eating out 70.50
MrsM180 bday 66.57
Google Play 46.98
pedicure 33.00
Kiva 28.75
concert ticket 15.00
CVS (non-grocery) 13.59
movies 13.49


Net Worth 9-30-16

October 1st, 2016 at 09:07 am

Cash is up. Smile
Debt is down. Smile
Investments are up. Smile
Home value estimate is down. Frown