Farmerjan's journal - Weather

[farmerjan]

@Bruce, no I don't want my own tank. They have the tank, yes they are the only company I can buy from. They also do the hook up and they are responsible for the lines, the hook up etc. On their head if anything leaks or doesn't work right. There are only 2 companies in this area that have propane and both are decent to deal with. Let them deal with all the hooking up, running the lines etc.... if I want to put in a generator, which I have long wanted to do, then they will also be responsible for the propane hook up to that. And it allows me to get a bigger tank put in, so then can buy at optimal prices. And then I don't have to be on a regular schedule for deliveries.... just have to get a delivery when I want/need it. I get my fuel oil here at the house. Set up on a pay as I go, call them for a delivery, and give them a cc# and they charge it after the delivery is made. I pay it off when the bill comes in. Or I can go by the office and pay for it in person.

 

[farmerjan]

And I disagree that it is easier to do things since the covid crap.... getting things done takes longer, and there is too much back and forth. Sick of these constant emails, back and forth crap. Give me the list of stuff, I provide it, and it gets done. Not constantly wanting more and then having to deal with bad internet service and such.
The whole BS of the DMV is driving me nuts trying to get a duplicate title for a truck..... when I used to go in there, fill out the paperwork, yes I had to wait my turn.... but then they did it and I walked out of there with it.
This whole covid crap shutdown stuff has given them more excuses to take their sweet time to do stuff, and to not get things done in a timely matter. They don't have to face you, so don't worry about if things aren't pushed through.
Like that judgement thing I had, it took over 3 weeks for the thing to come back in the mail.... when it could have been settled in no more than 2 trips to the courthouse max. BS.

 

[Baymule]

Buying a house these days makes you feel like a criminal. It is a horrible process, I sure feel your pain. Keep your eye on the prize, you are almost there.

 

[CntryBoy777]

I know exactly how ya feel....and I didn't appreciate the exposing of everything we did....but it sure opened my eyes to the extint they "violate" ya thru the process.....I'm not a very good "hoop jumper" either, cause I wanna know "why", but we made it thru and so can you.....sooo Happy ya have a closing set and once ya get in the house ya can get things straightened back out and get back to business as usual.....

 

[thistlebloom]

We own our own propane tank now. It came with the house, but was owned by the propane co. at the time we bought. The house had a propane fireplace which was intended to be a heat source. It was a propane sucker and we never liked it, so we replaced it with a wood stove. That in turn cut way back on our propane use. The propane co. said we didn't use enough propane in the big tank to justify them keeping us, I don't remember the exact reason this was a bad thing for their delivery.
So anyway, we could buy a smaller one from them, or buy the one we have. We considered a few different ways to go, buying smaller portable tanks that we could haul in and fill, buy a smaller tank etc...
In the end we bought the old tank and can choose who we get propane from.
But we have no reason to change suppliers, they are a good company. If we did shop around, to save three cents a gallon, the new company would have to come inspect the lines and hookups, which is understandable, but they don't do it for free. So here we are, and I can totally understand your logic on keeping the tank you have Jan.

 

[farmerjan]

Okay, quick update. Closing set for 10:30 (this confirmed from the lawyers office) on Thursday Aug 13th. Of course, subject to change. Started to tell me from the lawyers office that I would have to have a bank wire for the closing costs and that they would notify me on the exact amount. I said WHOA, I opened an account at Cornerstone bank for the express purpose of not having to do a wire and spending more money. The money was deposited in that bank on 7-30 and was deducted from my account at my credit union on 7-31.... so I have no intention of having to do a wire transfer of any kind. They said, oh, yes, we deal with that bank so we can do it that way. YOU'RE D#@NED right you can do it that way.....
Talked to the lady at the ins co and ran it by her about the bank wanting to know about the 2,000 deposit and she said she has never heard of any bank requesting that sort of personal info.... she said she usually deals with a couple of other mortgage companies and not this bank. We talked about this whole situation and she said to just try to comply with what I HAVE to, and that once it is done, they will not be able to keep questioning.... agrees that I should go ahead next year and get the taxes and ins payment out of the escrow account like I want since it is allowed in the agreement....

I already called the credit union that wouldn't do the mortgage due to the property needing the work done..... which I still am a little "sore about".... and there is nothing in my file that gives blanket approval for any information to be given out. I explained when and why and she said it looks like it was a one time thing due to my phone conversation so that I could prove the direct deposits from my paycheck, and SS and that the money had been deposited from the retirement account for the down payment. That was a 30 day "running statement" so it did include the day the 2,000 deposit was made that they questioned. But heretofore, they will not give out any other info without my express permission directly by phone with them, or a written e-mail or statement. So that is taken care of.

I am mailing the info about the last 3 month retirement account statement, which makes no sense since the ending date is june 30th and the withdrawal was early july.... so the balance is completely irrelevant to todays' balance.... but that is their problem. They cannot attach it .... and with the way this country is going, if things get bad this fall, I will be withdrawing it way down before it can be taxed out of existence to pay for more "give away programs" to all those who think they are entitled to freebies.... We'll see what happens with the elections.

Not a very good trip to the dr. Yes, she agreed that they both need replacing and can see the reasoning behind doing both. However, she doesn't do both at the same time. A colleague does do both at the same time and is referring me to him. They now have all the x-rays, and she is going to discuss it with him. She agrees that the knees are probably hampering the ankle recovery a bit since I cannot take the standing/pressure for a long time with the knees so not as effective to working the ankle.... although she said that it seems that it is doing pretty good which I said I agree.
Good thing is she said from the visit 2 yrs ago, I have lost nearly 10 lbs so she said that was GREAT.... and my blood pressure there was 125/75 and she said that was a great improvement over the 148/86 from 2 yrs ago. I had gone in for a consultation appt then they "lost me" in the shuffle in the waiting room and Dr had to go to do surgery and was very apologetic to not be able to give me a "real appt". ) And way below what I was seeing from the drs at Duke. The person that took it, did it twice, since I was so surprised it was down from the 160's / 80's from the last several at Duke. She joked that it was because I was so relaxed and felt good about being at that Dr. office.

So, I will talk to the other dr there once they contact me. But I did ask her about the newer procedure I had heard about, the Makko procedure, that uses the robots and all, and she said that she is watching it, that it is fairly new but that it might have pretty good promise. So, maybe I will find some combination of "drugs" pain relief, to wait a bit for that to become more common. Especially want to see how the PT guy's mom does with hers in Md in Sept.....

Well, time to head to the farm that I dropped the stuff off at to set up. I am purposely not in a big rush to get there, let them set it up.....
Time to think seriously about "retirement"..... at least these farms that require all the equipment set ups..... wouldn't be bad to keep the ones like yesterday where 15 min to put their samplers in place, and the rest is computer generated.... and the easy ones with their own systems .... Well, get the closing, get the work done, get some of the stuff I want/need done like the outdoor furnace to burn wood and the storage building..... decide about the knees.....
Had someone tell me about a product that they tried that has really helped them with their arthritis pain in the knees, so I am going to try it. Might buy me some time to explore this newer "Makko" procedure....maybe make it less uncomfortable to walk & get around???? Worst it can do is nothing.....

Keep your collective fingers crossed that the 13th (luckily it is THURSDAY) goes as planned.

 

[Bruce]

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.

Silly I know but they probably want to make sure you aren't borrowing money from someone to make the closing and will have to pay it back later potentially endangering your ability to pay the mortgage.

And I disagree that it is easier to do things since the covid crap.... getting things done takes longer, and there is too much back and forth.

Well it was easier for US! I don't know about the people who bought the house, they went with a mortgage at the bank rather than having us finance it (with their money).

so the balance is completely irrelevant to todays' balance

Yep, really stupid. You could go to Vegas (well maybe Jersey for you) and blow it all at the casino as soon as they get all the paperwork they want.

 

[farmerjan]

Yeah, no kidding @Bruce...about taking the money and going to vegas or wherever... .... but I am trying really hard to be "not too p.o.'ed" . And even if I was borrowing from someone else for the downpayment, it still is none of their business..... as long as my down payment is the 20% I said I was going to make, and they see that there was the withdrawal and subsequent deposit in my account for the bulk of it, it is none of their business if I borrow 1,000 or 2,000 from 10 other people for whatever....They are not my accountant, or my mother, or my keeper.....
Talked to the owners this eve to make sure I keep them in the loop, and in the course of conversation I apologized for the delay because everytime I have things done, they (the bank) ask for something else... and I mentioned the bank questioning the deposit.... they know that my son and I have the farming "enterprise" together... and that I get money for my cows usually direct from my son and they agreed that it was highly intrusive of them to question any deposit that was made into my account. They are the kind of people that do things legal, but that they don't want someone looking over their shoulders for every Christmas tree that might get sold for cash or something.
They said that the lawyer's office had sent them an email about the closing date set for 13th... and they weren't upset with me for the delay. I want to stay on the good side of them, as they are friends as well as us renting the pasture and crop field that we grow some of the hay and/or sorghum/sudan on. But mostly, they are nice people and deserve to know what is what.... and that it isn't me trying to hold off.
That money transferred to that bank will sit there for 2 weeks, when it could have been earning more interest in my checking account at the credit union still.... minor maybe, but for the month of July it earned me over 16.00 in interest and it was only in there for 2 weeks.... little things like that get to me.
And there is the equivalent of 2 months mortgage payments sitting in the bank after they take out the closing costs/down payment etc..... again.... as long as it is made, it is none of their business if I work as a call girl on the side....

 

[farmerjan]

P.S. I'd probably have to PAY someone instead of them paying me for being a call girl.... too old, too grey/white, too many calluses on my hands.... plus a farmers tan isn't all that attractive to most except farmers....

 

[Baymule]

My farmer's tan is a brown strip across the small of my back, above my butt crack. It's from being stooped over, pulling weeds, my T-shirt riding up and blue jeans sliding down. I will point out that is is NOT plumbers butt!