Farmerjan's journal - Weather

[drstratton]

I am finally caught up & I'm completely exhausted! I don't know how you get it all done! I hope that your closing happens on Tuesday. It certainly is much harder now to buy & sell a house! Hang in there, there's a light at the end of the tunnel!

I'm glad to hear that the massage therapy is helping with your knee pain & mobility. When you get them done, you will feel like a new woman!

 

[Bruce]

More coming with the hurricane, prob Tues.

2-4"

Yeah, I've always counted the jars shared as a part of the gift!

Maybe if you returned the jars you would get even MORE gifts!
I return the jars to the vendors at the Farmer's Market as I know they are an expense. Clearly doing so it quite uncommon. The couple we get our ground beef and salad dressing from have a $0.50 deposit on the dressing bottles.

 

[drstratton]

2-4"


Maybe if you returned the jars you would get even MORE gifts!
I return the jars to the vendors at the Farmer's Market as I know they are an expense. Clearly doing so it quite uncommon. The couple we get our ground beef and salad dressing from have a $0.50 deposit on the dressing bottles.

I was talking about the jars of canned goods that I've shared!

I hadn't thought of returning to vendors, but I don't usually buy canned items at the farmers market!

 

[Bruce]

Oh, then you don't want them back or you'd feel obligated to give them yet another gift!

 

[drstratton]

Oh, then you don't want them back or you'd feel obligated to give them yet another gift!

I love to share...

 

[farmerjan]

Monday eve. Long day and tomorrow will be longer.... Wed even longer. Oh well.

Packed the samples early, dropped them off on the way to PT. Worked on my ankle some as it has seemed stiff.... they say that it really has almost the same range of motion in 3 directions and only a little less with the pushing the toes/ankle down forward.... that it is partly that I don't feel it that I think it isn't moving that much. That I cannot expect it to move as far or be as flexible as the other because it is a "simple" joint replacement and that the actual ankle is much more complicated and that there is no way to replicate it exactly and still have strength and stability....

Came back, changed into "work clothes", did the cow w /calves. Got all my needed stuff loaded in the truck, and left and went by the pasture but none of the cows/calves were out in the front grazing. They mostly come down there to graze in the afternoon/evenings. So didn't see what was there/not there. Went on to the farm as it was getting later than I had thought. Managed to get there in the pouring rain, but waited about 5 minutes and it let up and I got everything into the barn and set up and then it showered again. Then we got started milking about 2:10, and was done by 4:30.... she milks fast. Knees were getting to me because there was next to no sit down for a minute break. Then had to wait for the wash cycles to completely finish and I pulled the meters off the brackets and got things loaded into the truck. Farmer came by just as I was almost done, carried the tote with the last bunch of meters and then picked some sweet corn and a cantaloupe.... really nice of him. I had already had some other stuff out for supper, but am going to cut into that cantaloupe in a few minutes..... I didn't have the energy to do the corn tonight, but plan on some for lunch tomorrow.

Had 1 inch of rain in gauge tonight. It rained a little at the farm, then we got a downpour, then some more showers. It rained harder in some areas as I saw some washed out areas along the sides of the roads. I came home back by that pasture, and there was a cow/calf pair out in the road....it was a neighbors, and I put her into a pasture he has there. There were a couple more in a hayfield right near there, and they were probably his, and then when I came by our pasture, there were at least 2 and maybe 4 ( 1 pair or 2 pairs) more animals in our field. So I assume ours were still in.... and then a couple extra, that supposedly were put in there last night when they thought they were ours. I couldn't see everywhere so can't be sure, but I am pretty sure there were 7 pair in there and there should be 5 pair. Always something.

Don't know if I am going to pack the samples tonight or tomorrow morning. I do have to get the rest of the meters on the truck, and the hoses, to take to the Wed eve farm, tomorrow (tues) so they have them for set up on wed. I will be 10 or later getting home Tues night and have to be at the dr at 9:30 and have to do my cow before I go Wed morning. So I might just wimp out tonight and not pack this afternoons samples... I will see after I get a shower.

I tested 6 farms in all of July, I will do 5 this week.....Feast or Famine

 

[farmerjan]

Actually had some "e-docs" from the bank to sign... sent to me at 5:54 on the letterhead of the e-mail.... Of course I was in the barn so just now got on my e-mail.... so I did the e-sign, and sent them back.... so let's see what they say tomorrow. I intend to send a text in the morning saying that I got them and signed them and sent them back.....( so what is the procedure from here?) I guess I should be diplomatic and wait to see what they say.
Interest rate is actually 2.86 % .....so whatever that is compounded... like 3.25 or something; and after a year I can request to not have the taxes and insurance included.... which I will do, and will prepay the ins for a year ahead.... and only pay the taxes when they are due twice a year...... and let that 100 a month sit in my account and earn interest. Ins is about 32. a month, and I would rather have it paid a year in advance. Going to get my vehicle ins switched over to them too. And yes, I have the discipline to make sure that I have the tax money to pay when it is due.
So maybe this is going to happen. But I doubt tomorrow...... I did not have time to go by lowe's today, but might be able to tomorrow to see about the paint samples.... maybe get into it this weekend????? Just to start to make some decisions and get the ball rolling....
Just to get it done..... Figure that it will be Nov to be all moved in???? Will have to let Glenn know as soon as it is official so he can see what will work for him. Gotta have a bathroom with a working shower....

Son has a clawfoot tub that I think is the right size, but it needs to be refinished on the outside, got to find out where I can get that done.... Glenn should know that. And to get my propane stove refurbished.... he is going to take it to Pa to somewhere he has had a couple done. The orifices need replacing???? Oh to have my stove back again.....That means arranging for propane too.
Oh and I have to get the electric changed over to me. And the wire run for the internet service through the elec company......but then I can stop the internet here at this house and just do what I need to up there.
Gonna be a PITA to have bills at both places for a couple of months.....

I am sure that the owners will be glad too..... and now I can get the guys from the cell tower road to go up with me and look at the boxwoods and the other tree (dead) that I want down/out..... And now I will be able to talk to the guys about the outdoor wood stove too.....really want that as opposed to oil, although I will fill the tank once I get the furnace gone over and make sure it is okay..... want to make sure there is back up if I do get the knees done, I won't be able to go out and put wood in the stove. I am concerned about the whole situation in this country and want to have things in place to be as self sufficient as possible.
Guess I need to make a definite decision on the storage building pretty soon too....

All at once of course; well next week will be soon enough to make some of those decisions....

First; get the paint samples, really look over the bathroom deal, and see what it will take to start tearing the tub/shower out and then see what we are dealing with. Get the guys to look at the boxwoods & if they will/can take them out.
Get the ceilings painted at least, so then I can get into the bedroom and get the walls painted and the (only) rug cleaned. Get whatever needs doing, in the utility room, painting etc., to get the washing machine moved there.
Put up my clothesline so I can dry my clothes.
Start getting the other rooms painted. Clean the kitchen cabinets and put shelf paper down so I can start moving stuff up there.
Then I can at least start moving clothes that I don't need to wear right now. Figure out if I want to build in a closet (old house, there aren't any closets) or have a wardrobe. Since the downstairs "bedroom" really could be a den instead of a bedroom, once I get a bathroom upstairs, don't know if I want a closet in there. But maybe a closet would be a plus. Gotta stand there and look at the room a bit. Maybe just invest in one of those "space saver" things that has places to hang stuff and all that. Could always use it later somewhere else like for winter clothes storage; if I decide to build a closet. I was thinking that I would like a closet out of the wood we are going to do the upstairs ceilings with....

Now I am getting a little more enthusiastic that it is going to happen. I really needed something to give me something positive to work towards.

Trying to post this and of course the internet light is red..... hoping I can get it sent off as it blinks off and on green....

 

[CntryBoy777]

I believe the next ya hear from them will be to inform ya of the clear to close approval from the underwriter and a time will be set....do some hand stretches and limber it up some, there are about 100pgs to initial and sign....sure don't want ya to get a cramp in them....

 

[Bruce]

Buying/selling during Covid is a lot easier than before. Sign the POA for the lawyer in his parking lot. He wears his hand out signing everything later

That means arranging for propane too.

I don't know about there but here if the propane company owns the tank you have NO CHOICE but to buy propane from them. They have you locked and make use of that fact. Buy your own tank.

 

[farmerjan]

Got an email from the bank people wanting some more info today. Wanted the last 3 month statement from the retirement account (Apr-June) which makes no sense since I took 2/3 of it out for the downpayment in July.... then there is a "discrepency" in the name of the depositor of the money into my checking account than what the company"s name is that handles our retirement investments..... that they needed to contact the investment firm about the discrepency in the name of the depositor....then they wanted to know where a $2,000 deposit came from that was put into my account in the end of June. That the underwriters were questioning it..... I asked why does it matter, since it does not violate any federal regulations for amounts deposited. They are getting very intrusive into my private money dealings. I said that not that it should matter, but that my son owed me some money and that is where it came from and that I would sign a letter to that effect.
So, I made a copy of the retirement account, and I will mail it to them. And as for the name difference, I told them that they can contact the company that handles the retirement funds and get them to write a letter about the name difference.... that I really had nothing to do with that end of it.

But on top of this they have also said it is clear to close, so why do they need this stuff.... and the lawyers' office left me a message while I was testing that the date is set for NEXT Thursday....Aug 13th.

I read through all the papers, and said that as I read it, that I can have the escrow for the taxes and insurance stopped, that I was therefore responsible for it and any penalties if it should be late or not paid; and that I wanted to make sure that I have that right as I intend to have it changed next year. That I normally pay my insurance a year ahead, and that I preferred to keep my money for the taxes until it was due to be paid and pay it myself. Also, said that I want to set it up to automatically pay the mortgage payment from the checking account that they needed me to open for the closing money.... that I understood that I would be responsible for making sure the money was in there prior to the due date. And that I wanted to know the procedure for paying extra on the principle as it was stated in the papers that there is no prepayment penalty. So that I could pay extra on the principle separate from the mortgage payment so that it could get paid off sooner, and reduce my interest payments also. Tried to be somewhat diplomatic but it was stretching it for me.....

The rate is 2.86% with it amounting to 3.45% over time; whatever that is called. I can't think of the right word. Still cheap enough, but there are too many questions about money transactions to suit me. Sad thing is, this is the way things are going in this country. They want to keep tabs on EVERYTHING you do.

Since my son does all the farm taxes etc., any money that is for my cows already has run through the farm's system. I am not going to pay income taxes on it (again) when he gives it to me. They can take it and shove it. Things that get sold through the stockyards are by check... but I can tell you that any of the ones that get sold for meat are going to start being strictly in cash. Tired of them wanting to know things that are none of their business...... I don't charge labor against the business, so I am not paying taxes for things that are already on the books like his selling cattle etc. . This is getting to be a bunch of bull.....
I did not claim any cattle income as part of my income to be considered for the mortgage loan.... it is none of their business where I get the money as long as they can't prove I am getting it illegally.... like growing weed.....
I am going to make sure that my credit union does not share any more of my checking account info going forward. I authorized it so that the mtg co., could see that I had a regular direct deposit from the SS and from my employer ...even though the amounts from work varied greatly.... but as soon as the mortgage papers are signed, I am going to revoke any access to the checking account without express written consent ( as they now have). Done with this nosy intrusion into my finances. The checking account at this bank will be all they need to see and as long as I put the money into it every month to pay the mtg., that is all they need to know. I will make the deposit with cash too, so they don't have my checking account number regularly again either.
No wonder people get paranoid about stuff....