Friday, July 22, 2016

Heartburn

Heartburn........and not over all this craziness lately. (though I'm sure it's not helping the matter)

Acid reflux, GERD, heartburn, whatever it is, I hate it. Last December I went on Protonix and that helped a whole bunch. My dr. had only given me a 2 months prescription and so I emailed her that it worked great, was I supposed to keep taking or ?. She said try going every other day, which I did and after several weeks started having problems again. I toughed it out a few more weeks and no relief so I went back to every day. That helped some, but not back to where I was the first time I was taking it every day.

I have pretty much completely cut out eating chocolate (so hard!) because I would have chocolate quite often and I drink very little coffee - maybe 2/3 of a cup at the most per day, first thing in the morning. I even tried not drinking that little bit, but didn't make a difference.

Then the past few weeks it has gradually been getting worse. No matter what time of day I tried to take the medication it always hits me around 4-4:30pm and lasts at least a couple of hours. I don't really get the burning feeling very much, mostly it's just that I constantly feel like I have to burp and it makes me feel like my heart is fluttering or skipping a beat (which is worse if I try to lay down). If I get a good burp out (sorry for the detail) then I feel better for a bit, but it just builds back up again.

Every night it was lasting a bit longer and longer, into when I was trying to sleep. I'd take a few tums in the evening and that would help a little bit. Finally last Friday night I had enough. The Protonix obviously isn't working. The only OTC I hadn't tried before going to the doctor last December was Nexium, so figured I might as well give that one a try and picked some up at the store on Saturday. I didn't take anything at all on Saturday (making sure the Protonix was out of my system before starting the Nexium) and Saturday was the best night I have had in a long time! I didn't start the Nexium on Sunday either and that was a good night too.

But, then Monday afternoon/evening it started up again. Sigh. So Tuesday morning I started the Nexium. Not too bad of night's since then. Very little heartburn. Hopefully this one is going to do the trick.

My boss said she takes Protonix too, but it doesn't help enough and she has same problems at night, though hers always starts when she goes to bed. She started adding Zantac (Ranitidine) in the evenings and said it has worked wonders. Her brother was having same issues and started taking it in addition to his morning Protonix and said it totally helped him too.  I had tried the Ranitidine last Fall, just on it's own and it didn't really help, but maybe the combination of the two would do the trick. If this Nexium doesn't help I'll try going back on the Protonix and adding Ranitidine in the evenings. If that doesn't work I guess it's back to the Dr - which just means an upper GI done, which the dr. said they will just say to go on a prescription medication anyway.

When I visited my Dr last month, she did say that the stress I am going through will probably make it worse, so maybe one of these days, if and when I ever get life back to normal, the heartburn won't be so bad.

Wednesday, July 20, 2016

Inspection

I apparently must think differently than most people. When I go to purchase whatever house we end up finding, I will assume it's priced accordingly for the condition it is in and my offer will be based on the condition it is in. My idea of the purpose of an inspection is to make sure there are no hidden problems that I cannot see with my eyes.....termites, rotting, water damage, foundation problems..that kind of major stuff that would make you change your mind on purchasing a house.

We had our inspection yesterday and got the buyers list of "demands" today. Wow. Very nit picky and stuff that was already made known from the beginning and we priced our house accordingly. It is not a new house. The roof is not new. It has no leaks. It will probably need to be replaced in about 3-4 years. If we had put a new roof on it (and the shop and shed), we certainly would not have priced it as we did.

We had a good friend sell her older home recently. She's a tough lady - when her inspection came back with all this nit picky stuff she just told them nope. It sells as is. And she didn't go into her new home making any demands to fix this or that. She did the same as I would do - had an inspection to make sure there wasn't anything major she wasn't aware of.

oh, and guess what she asked for, as we had been outside talking to her while the guy was doing the inspection. The shower curtain! (Cheryl will get a kick out of that, huh?!) Then as we were walking her through some things and DH telling her where main water valve is on the property and stuff like that, she's asking for half of my yard decorations. Are you leaving this...are you leaving that? I can be super generous.....up to a point.



Tuesday, July 19, 2016

Let's try this again

Ok! We have sold our house - again....Let's hope this one goes ok.  Ended up with a full price offer, and no "allowance" back to them to help with their closing costs, so ending up with $6k more than we accepted last time.

The inspection is already scheduled for this afternoon, so it appears this lady is on the ball. Closing date is scheduled for 8/25. Just waiting to get past the inspection and appraisal and then we will breathe easier.

Feeling like we just passed a big hurdle in getting towards our dream goal.




Sunday, July 17, 2016

Offers

Apparently we have a bidding war going on between the two who looked at our house yesterday.  I had already been told they both planned on making offers. Then this afternoon our agent emailed me that the first offer came in and she let the 2nd agent know that and she would get back to me later this evening. Then she called at 5:30 and said the 2nd offer came in and the first already upped their offer and now the second ones were upping theirs too, and she'd call me back tomorrow at 5pm to give us all the details.

Why the delay? At least tell me what the offers are coming in at!  So I texted her back to ask and she said she doesn't know what they are, she's been with clients and hasn't opened the offers. Well then how did the first people know they had to come back with a higher offer then?  So we're sitting here dying to know what is going on and supposed to wait until tomorrow evening when offers have been made today?  Seems strange to me.  Then she said she'll be back at her office around 7 and send me the highlights of the offers.

But super happy that it appears we will be on the road to having our house sold - again.  Hope we have better buyers this time.

Update: so there hasn't been a second offer yet. It was just an email to our agent from the other agent saying she has an offer but is waiting for the final signatures. First offer is a bit low, but I'm sure by the time we get done we should be at our asking price. The first offer contains an addendum to go up to our asking price if the other offer beats their offer.

Keeping fingers crossed

The people who looked at our house Thursday evening came back yesterday afternoon. She brought her dad and boyfriend with her (as well as her mom, who she had brought the first visit). They showed up almost a  half hour early, so we hadn't left yet. We hustled out to get dogs in the car as they were all getting out of their car and they were like "no, stay. You'll be able to answer all our questions". So an hour and half later they left. LOL.

Then after dinner I got a call from another agent who wanted to show it in about 45 minutes. We were just getting ready to leave when we saw a car coming past our house and thought it would be them, but they passed our driveway, turned around and went back down the street. As we were pulling out we saw them on the corner and the agent waved out her window so we stopped to chat for a few seconds. They had thought they were early and just were going to wait a bit.

While we were over at the school parking lot waiting, our agent emailed me that the people from earlier were going to be making an offer by the end of Sunday. As we were coming back home from this latest showing the agent was pulled off the side of the road around the corner and saw us coming so waved again. Her clients were with her in the car. She said they loved it and the woman client said they loved it and her husband loved the shop. They seemed pretty excited about it.  Their agent called me up like at almost 10pm with a question (about the junky neighbor) and said they will probably be making an offer.

Maybe we'll get two offers?!  That would be awesome. Keeping our fingers and toes crossed, that's for sure.

Saturday, July 16, 2016

Lost and found

Lost: another (most likely) baby wild animal in our yard. This time a tiny baby bird that must have fell out of the nest. Hard to find a nest in this big bush. It's this thick evergreen thing. DH read up on what to try to do, so he used an old hubcab and put a "nest" in it and set it up on top of the bush. Hopefully momma birdie will find it and feed it still. It looked too young and little to have been pushed out/ready to leave.

Found: MY DEBIT CARD!!!! I was over at the store (who's gas station I might have dropped it at) this morning, using the bank inside and decided what the heck - I'll go ask customer service if anyone might have turned it in. They had it!! Wooooo!! I was just about to cancel it later today since it never showed up in my car or house.


Got my mid year bonus yesterday and that is sitting in savings now. Very nice :)  Plus in addition to your half day/work remote every other Friday, we also get to work remote that following Monday. So, since Monday's are one of my office days, I'll have two less commutes per month. Another nice perk - especially for all those who don't typically work remote.


We had a good showing Thursday night. They had lots of questions yesterday thru their agent and are coming back again this afternoon to show another family member. I'm assuming it's probably the husband or boyfriend - appeared to be a lady and her mom with her looking at it, Thursday night. Keeping fingers crossed!

We have decided to keep trying to sell - we want out of this area. I've tweaked our "Plan B" with a little bit of creative financing and can make that work, if it turns out that we sell our house.  I've already been approved for the little house. I would just put the very minimum down on it, out of our proceeds. The rest of the proceeds, plus a small personal loan of about $10k, will go to pay cash for the land. All in all, it's still financing the same amount between the two of them, and instead of having half a house payment and half a land payment, we'll have a house payment. a small personal loan payment and no land payment. And with the house only being $125k to begin with, it's like hardly a house payment anyway (at least compared to what I currently pay out a month in mortgage) and way less than we could find to rent some place.


Thursday, July 14, 2016

Just sad

Life is making me very sad right now.  I'm trying to figure out why there are even such creatures as "lenders". There is a complete disconnect between what lenders say and know compared to what underwriters say and know. Pre-approval letters mean absolutely squat. (as our buyers discovered too).  Every single lender I have talked with acts like this will be no problem at all. What is the point of them, when the underwriter makes the decisions. It's a really stupid system.  Not to mention bottom line of it all - the mortgage I am asking for is less per month than I have been paying, for years, with no problems.  All the info I give the lender for my financials? well, none of the facts change when it goes to the underwriter. Seems like they could have a much better system to make the "pre approval" process much more accurate.

I was still working with a lender on the land loan part. Friday she seemed pretty confident it was going to go through. Yesterday she tells me no. And get this - if I had applied a week earlier, it would have gone through. Their underwriting changed their policy the week before that they will now only make loans 7 years past bankruptcy. Their previous policy had been 5 years. One week!

And then the other day one of our dogs found a baby bunnies nest under a bush under our kitchen window. Looks like they had probably just been born in the last day or two. DH put a bit of chicken wire up between the bush and the house, so the dogs couldn't get their paws and noses back in there, but momma bunny could still get to them no problem. We have been keeping an eye on them for past few days. So cute and tiny. Cutest little things. Well, apparently last night one of our barn cats found them and got them (saw one cat go there twice, on the camera). No baby bunnies left and the poor momma bunny just keeps sitting out on the grass in front of the bush wondering where her babies are. It's making me so sad.

The last 2 showings of our home scheduled turned out to be no shows. Monday's showing the realtor showed up, but not her clients. Our camera system shows this to be the case, but when our realtor asked for feedback from her (before knowing they didn't show up) she lied and said they were still considering it and still looking at other houses.  Tuesday's appointment just didn't flat show up. By that one I was mad. It's not like I'm at work, so not home anyway and no big deal. We have to take the dogs with us. I knew the appt was at 1pm, so I went into work early, left at 11:30. We left the house at 10 min before 1pm and waited over in a parking lot for almost an hour. Thankfully we have camera's to see on our phone or we'd never know when it was ok to go back. Finally we just said that was long enough time to give them.

DH's truck is having brake problems, so until he can get it into the dealer, he doesn't want to drive it until it's fixed and we don't want to fork out the money right now. So, I need to be here when we have a showing, so we can leave in my car. (plus his truck is all lifted up and hard for dogs to get into). I have no problem working my schedule around whenever it's most convenient that someone wants to come look. I have not rescheduled any of the showings or told them it needed to be a more convenient time for me. But, I draw the line at not even having the common courtesy to let us know they aren't coming. Completely rude. I'm not going to make our dogs sit in the car for more than an hour, for no reason. Plus, I lost an hour of work that I have to make up.

We had set up our showings so that the realtors contacted our realtor as to what time they wanted to come (with 2 hours notice) and she would let me know the time. Yesterday I told her I wanted to change it to having the agent's call me direct to schedule (we were offered that in the beginning but I didn't do it that way). That way I can ask them to please call or text me if they are going to be very late or aren't coming at all. And if we are gone and sitting there waiting and they aren't showing, I at least have their phone number to call them up and ask if they need more time to arrive.

And we decided no more leaving before the agent gets here. Most all of them have been at least 15 minutes late or give us a 30 min window of when they will arrive. When they show up, we'll get in our car and leave.

These buyers agents are making their commission off of the sellers (me)! They could at least be courteous enough to let you know they aren't coming. Obviously, people's plans can change, but a simple call isn't that hard. When I told my agent that I wanted to make the change to how appts are made she acted like I was blaming her. I said I know you can't control what they do, but I have no problem asking them to call or text me if plans change and I also would have no problem calling that one up from Tuesday and giving her a piece of my mind, as to her professionalism.

So, let's recap our last 4 showings: one had a kid who spent several minutes gang signing our camera, one stayed a total of 3 1/2 minutes, one's clients didn't show and the last a complete no show. Ugh.

I am just plain sick of people at this point. I even had my original lender (way back when we were first listed our house) tell me I should pay ($500) to have an inspection done on my house before listing, (and referred me to someone) so that anything found could be fixed and addressed. I almost did it! She was full of $%&. The buyers pay for the inspections (usually) and even if a seller has an inspection done, it's not likely that the buyers would trust that it's impartial and use it anyway, so from everything I read up on it, that would be a complete waste of money (unless maybe you had a house with a lot of problems to begin with). So, most likely she was just trying to send business to someone she knew who does inspections.