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A New To SB Car

June 9th, 2017 at 09:05 am

Last night as I was getting ready to leave work, I saw that SB had texted me. He offered to take me to dinner and warned that he may or may not have ulterior motives. I said I would love to go to dinner, so he met me at my office. He was driving a new to him car.

He bought a 2007 Acura MDX with 122k on the odometer. Not high mileage for a 10 year old car. He got a really good deal on it, and of course paid cash. The MDX is an SUV with 3 rows of seats. The third row can lay down flat, giving you a large cargo area.

So, we will be taking this car on our road trip later this month. I will cancel the mini-van rental we had reserved.

The MDX is also an all wheel drive, which is highly desirable living in a mountain town with twisty, turny roads in every direction. I have considered trading cars myself but I'm not going to do it right now. My to do list is currently long enough without adding "look for a car". I'm going to get settled first and then see.

So we had a nice dinner at a Mexican restaurant in town we discovered a few months ago. Very reasonable prices and the food is delicious. After dinner, he says "Well, my ulterior motive is I left my truck parked near where I bought this car, so I need help getting the cars home." What a disappointing ulterior motive!

The MDX rides very nice, so I give this purchase a thumbs up.

Here Comes My Next Life Chapter

June 6th, 2017 at 07:21 pm

So I have shared before about the allergy problems I have in my current location. With J now married and on the verge of becoming independent, I have decided the time is right.

I have a lot of stuff to get rid of and some things to get done to prepare my house for sale. SB and I will be moving to his timber property.

I'm not positive of my exact timeline, but it is soon. Definitely this calendar year.

I have given them a heads up at work so they can replace me. That might not have been in my best interest since they may replace me before I am ready. But, it felt right. They have been so good to me, I would not have felt right about leaving them on short notice with no plan in place.

I'm not certain exactly what I will be doing for work. We are moving to a rural area and job opportunities are limited. There is an opening in my line of work for the county (my future county) which would be awesome. I sure wouldn't mind having a pension, even a small one. (Way too late for me to earn enough service credits for a large pension). I have submitted an application, but who knows when or if anything will come of that.

I am fortunate in that my cost of living will be very low, so I can be flexible in the type of job I accept.

My plans will become more solid over the coming weeks and months, but at the moment, I just don't know much.

I wish that I had more cash in the bank. It may be that I am unemployed before I am out from under my mortgage. If I have to, I can take a Heloc draw. I hope it won't come that. I opened a new Wells Fargo American Express card last month in order to take advantage of a sign-up bonus. The card has a promotional rate of 0% for the first 12 months. I intend to begin using it for expenses, making only minimum payments, and saving the cash. When the house sells, I will pay it in full. It may be that I will need that extra cash to make mortgage payments. If I don't, then no harm done.

So, it's exciting and frightening all at the same time. Wish me luck!

RIP Buster

June 5th, 2017 at 07:54 pm

Today was a sad, sad day.

Buster's tumors have grown and spread and he had stopped enjoying life so much. During the past week, he would refuse to move and instead bark when he wanted to go inside or outside or to another room. Yesterday, he would not eat.

I called the vet this morning, and SB, J, Mrs. J and I took him to his final vet visit.

Buster was so homely and not very bright. But he had more personality than any dog I have ever had the pleasure to know. How I loved that ridiculous little dog. I will miss him so very much.

Edit: In 2005, the year before my ex-husband and I split, ex-husband took 9 year old J to our local animal shelter to choose a dog. Of all the dogs J might have chosen, J came home with Buster. I took one look at Buster and asked ex-husband what he had been thinking. He just shrugged and said J picked him. The shelter estimated that Buster was 4 - 5 years old. Buster was J's shadow for years and was a great comfort to him during the divorce. I will forever be grateful for that.

Bank Purely Savings Account Experience

May 27th, 2017 at 11:40 am

I thought I would share my experience thus far with Bank Purely. I think it is fair to say that thus far it has been a frustrating experience.

When I opened my account online, I received a message that I need a PIN and that I would receive it in the mail. I had to wait more than a week for that.

Meanwhile, I downloaded their app to my phone. The app is called iGo Banking. There is also an internet bank called iGo Banking. You can access Bank Purely with the iGo app, but if you google iGo Banking online login and click on the link, you are taken to the website for iGo Banking, not the website for Bank Purely. I found this a bit confusing.

Once I did receive my PIN and finished my registration, I tried to move money from my Wells Fargo checking to my new Bank Purely savings. However, my account was not linked. The same account I had used to make the opening deposit of $1. I hunted all over the website and read the FAQs, but I could not figure out how to link my Wells Fargo checking. I was beginning to fear that I could not link a checking account which was not on the iGo Banking app. I sent an email to customer service and waited for a reply. I did receive a reply the next day, with instructions. My fears were unfounded, I was able to link my Wells Fargo Checking.

Then we come to the next hurdle. I wanted to transfer $5,059.89. Well, I can't. There is a limit of $2,000.00. I scheduled a transfer of $2,000.00 on Monday of this week. I tried to transfer a second $2,000.00 on Tuesday. Nope. The first transfer was still in process, so any additional transfer exceeded the limit. On Wednesday, the transfer posted to my checking account. On Thursday, the transfer posted to my savings account. On Friday, I scheduled a second transfer of $2,000.00. That is in transit now.

So, I don't know. Their rate (1.3%) on savings is fabulous. But if I had known how long it was going to take to get my money into that fabulous savings account, I think I would have passed on this account. And am I limited to the same 2k at a time if I want to withdraw money? I don't know, but I suspect yes.

I'm going to email Bank Purely and see what they say.

Update: I got a reply back already. This is what it says:

We apologize for the inconvenience, we identified an error with your limits. Our Inbound transfer limits are $100,000.00 per transfer and $500,000 for a rolling 30 day monthly period. Our Outbound standard transfer limits are $15,000.00 per transfer not to exceed $50,000.00 monthly on a rolling 30 day period. Our next business day transfers are $2,000.00 not to exceed $5,000.00 monthly on a rolling 30 day period. If you wish to increase your standard transfer limit for outbound transfers to your external account, an email or message with the amount needed and brief reason for increase is required to process your request for a maximum outbound transfer limit of $100,000.00 on a single transfer. The request will apply to that transaction only and will default back to the standard limit.

Yeah, so I can only deposit 5k per month. Not loving it.

Banking Purely

May 1st, 2017 at 08:51 pm

Heard about this new internet bank on a message board forum. It is currently paying 1.3% on savings. And they plant a tree for every new account!

[url]https://www.bankpurely.com/[/url]

Wedding Day

April 30th, 2017 at 06:24 pm

The afternoon was sunny and warm. The ceremony was simple and tasteful. My son is now a married man.

A Fabulous Surprise B-Day Party

February 12th, 2017 at 12:13 am

So a couple of weeks ago I went to the dentist to get my toothache checked out and received the wonderful news that I needed a root canal. It was scheduled for yesterday, Friday 2/10. (And yes, as it turns out, root canals really aren't much fun).

I told SB about this, and did not realize that I had just thrown a big monkey wrench in his plans. He had been planning a surprise birthday party for me on that day. Without much notice, he had to move it to a different day.

So last Friday 2/3, SB texted me in the late morning to say he had picked up a sound gig for the evening and would not be home until late. OK. I decided I would go get my nails done and made an appointment for 5:30. In the afternoon, a friend texted me to ask if I would like to go see a movie with her. Why not, I thought, so we made some vague plans. I left work about 5:20 and headed to my nail appointment (just a few blocks away).

As I am walking into the nail salon, SB texts me again to say he did not have a particular cable he needed, described it and where it was, then asked if I could please go home to get it and bring it to him at the sound gig. Now home is in the opposite direction of the freeway and the movie cinema where I planned to meet my friend. My nail appointment takes 45 min or so. So this is a bit inconvenient and annoying, but OK, I say I will after my appointment. So I get my nails done, I drive all the way home to fetch his cable, and I drive to the sound gig.

Now the sound gig was at a venue which caters a lot of weddings, company parties, quinceaneras, etc. Years ago, I worked at this venue, and it is my current second job. SB works there now. It is a unique, very fun place, and I have made quite a few long-lasting friendships with current and former employees there. When SB texted me about the gig, I assumed a planned event had their sound guy fall through at the last minute, and that was how he ended up getting the gig.

So I enter the building and have my eyes peeled for SB, as he hadn't really said which room(s) the gig was in, and there are generally 3 or 4 events booked for a Friday night. I pass larger rooms and areas without spotting him and end up in a hallway leading to several smaller rooms. I walk through an open door and there are 6 round tables set up with people seated.

I glance at a table and notice all the people seated there are current or former employees of this venue, including the friend who I am supposed to meet for a movie shortly. I think "they are having dinner here together and no one invited me!". I glance at a different table and see my mother, my nephew, J and A, and several of my cousins from the bay area. This is very odd, as they do not belong at this venue at all. Then it hits me. Everyone pulls out a little horn, blows it, and yells "surprise!".

Well, I certainly WAS surprised. SB spent weeks planning the party and I had no idea at all. I think it actually helped that he had to change the date, because my actual birthday is 2/13 and the party was 10 days early. I was not even suspicious!

I went from table to table greeting each guest, and just as I was finishing my rounds, I saw my biggest surprise. My friend M who lives in Seattle strolled into the room. I could not believe it. He came just for my party and stayed the whole weekend. What a treat!

It was a wonderful party and a wonderful weekend. I don't even mind turning 50 so much. Smile

Wet Wall Repair

January 14th, 2017 at 10:50 am

It has been raining a lot here. So the other day, J tells me that his bedroom wall is wet. Like, wet to the touch. Ugh!

It turned out that the flashing around his window had come lose from the siding underneath the window ledge. With the wind and rain, water was finding its way in. The sheet rock all around the window was soaked.

Today I have a repair person here taking care of the problem.

So, there goes the money I had squirreled away the past few months. Now I have to save it again.

Latest News At Chez Petunia

January 8th, 2017 at 06:33 pm

Well, MrsM180 and hubby moved back to Colorado a few weeks ago. They are already settled into an apartment and MrsM180 has started a new job. It all happened really fast. They hope to be hunting for a house to purchase within a few months.

I miss them of course, but I am also excited on their behalf for them to be taking these big steps and moving forward with their adult lives.

J and his fiancee are now talking about getting married this April in Reno. There is still a lot up in the air with these two. Even so, I expect J will be launching sooner rather than later.

I'm going to be an empty nester soon. Wow.

In less momentous news, I have recently discovered the hobby called "planning". Do you know that there are people out there buying expensive "planners" from companies such as Erin Condren, Reflections, Happy Planner, etc.? And buying "monthly sticker kits", vast quantities of washi tape, and many types of pens in order to decorate the "weekly spread" in their planner? I found all of this rather surprising. And while I do not intend to start shelling out cash for this hobby, I have gotten a few ideas to modify my Bill Book to better plan for upcoming expenses and such.

Under Contract

November 15th, 2016 at 12:41 pm

I signed the contracts for my new roof and rain gutters. They will charge my MasterCard for my deposit of $950. It will be several months before the work actually begins.

I took a 10.5k draw on my Heloc, and was able to fix the rate at 4.24% for 3 years. The required minimum payments barely cover the interest. However, I believe I can pay the balance in full before the 3 years is up.

Home From Tahoe; A Second Estimate

November 14th, 2016 at 05:22 pm

I'm home from Tahoe. We had perfect, beautiful weather. Smile And I have 10 new pokemon! I have 122 now; I am really getting there. Not that you care, but now you know. Stick Out Tongue

I have received a second estimate now. It was $9450 for the roof with no insulation, an additional $1300 including insulation. Also, $900 for new rain gutters.

The first estimate was $9500 including insulation; $1000 for new rain gutters.

Since my house was built, there is a new minimum standard for insulation in the attic. If you replace the roof, you must meet the new standard. The second roofer says there is an exception you can meet by choosing a light color shingle. That is why he quotes both with and without insulation.

A friend told me that since I am going from a wood shake roof to an asphalt shingle roof, I can expect my new roof to absorb more heat. In his opinion, it is a mistake to pass on the additional insulation.

So, I guess the first estimate was fair and this is just what it costs. It has been a lot of work getting these two estimates; I wouldn't mind getting a third but that requires getting a third roofer to return my calls.

SB said I should check with Costco. They do offer a lot of home improvement services. But I checked, they do not offer roofing.

I think I am going to hire the first company. The cost will be 10.5k. I will borrow that from my Heloc. Then I will attempt to cash flow the other work I want to have done this summer. Mainly concrete and tree removal, the rest I am fairly certain I can do myself, with a little help from SB. Once that is done and paid for, I can turn my efforts to paying down the Heloc.

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.