Latestarter's ramblings/musings/gripes and grumbles.

[NH homesteader]

My husband is 35 and he loves playing on tractors. And skidders... Anything with an engine really.

My daughter is obsessed with excavators. She can't wait to be old enough to use one. She is her father's daughter.

Anyway internet? Total necessity. How else will you show off all your new additions? Goats first right?

 

[babsbag]

You are not going to have time to game once you get all this land and all these animals. Life as you have experienced is coming to an end. We moved onto our 5 acres 8 years ago, what a life changing event that was.

 

[greybeard]

Because I do online gaming. Even if I took that out, I'm online basically all day in one form or another. Also my home phone line is VOIP through my computer.

VOIP should use so little data as not to even be a blip on the 100gb radar--it takes very little bandwidth to send/receive voice and text. I would be surprised to find it's more than 1-2gb total for your voip use--up and down per month. Rule of thumb for VOIP has always been about 50MB/hour--and that's actual talking. A lot of phone time is really silence on one end or the other--no packets are sent during silence....unless your provider charges for both ends of the call..most do not--just your end.

Most days, I'm on line 6-8 hours. News and information junky, but I never got in to any kind of gaming at all.
A parable:
Years ago, my brother, his young son, myself and my father went to eat at a little restaurant here in town. Dad's Grandson was about 13 and as is usual with kids, he rushed right thru his meal, and then asked my father (Dad was in his 80s then) for a couple of quarters to go play a race car video game in the lobby. My dad dug in his pocket, handed him 4 quarters, and went right back to eating his chicken and dumplings. A little while later, the boy came running back to the table, "I won, I won!! I beat it!!"

Dad asked him:
"Did it give you your quarters back?"
Answer:
"Well..uh..no."

Dad didn't even look up from his dumplings...."Well you didn't win crap then did you boy?" (but he didn't say "crap")

I never let my nephew forget that day.

 

[Goat Whisperer]

That is perfect!

 

[Latestarter]

Very good, and very true. I haven't "won" anything... But it does provide a distraction.

 

[Baymule]

Well, you won't need a "distraction" any more. If you're that durned bored, come on over and I'm sure I can find something more productive for you to do. And when I'm done working your pa-tootie off, I'll feed ya' a good supper.

 

[Goat Whisperer]

Yep, once you have goats your world will be changed.
You will long for a day to just sit and do nothing.
Just when it looks like that day is coming up you'll have a sick animal and be running like a mad man.

That 100 will go down to 4

 

[Latestarter]

So I get an Email from my REA at like 3 this afternoon. He has called me and told me to look for it. Because this is a manufactured home the lender wants proof that the title has been "purged" and that the home is permanently "attached" to the land for tax purposes. Now, from the basest point, the title company is going to do a title search. They are also going to do a tax certification to make sure I pay the portion that's mine and they have adequate funds withheld for their new escrow account. When they do this, the tax assessment will clearly state what portion of the tax is for land, and what portion is for the residence... DUH!!! In addition, here is presently a VA mortgage on the property, therefore this was already done once back when I bought it. And it was recorded at that time. Once the house is purged, it can't go back to being a trailer.

So The form requires my signature, notarized. I then have to go to the county seat in Greeley, about an hour & 1/2 away and get the signature of the tax assessor, & the county treasurer, then I have to go to the DMV and have them do a title search to make sure there are no active registry records. (trailers are registered as vehicles and therefore have registry records) The Email informs me that the registry search will take 24-48 hours and when it's complete, the registry will call me to come back to get their signatures.

And if she (the loan processor for the buyer) doesn't have this form back by Monday, it could delay closing, because it's one of the conditions to close, which is scheduled for Thursday the 22nd. Now her Email doesn't say this, but my REA tells me that she told him that I also need to record this document. The REA told her that typically the title company takes care of that when the record the deed and the note. The processor told him that no, I have to record it. That's NOT in the Email so I'm not going to worry about it.

So Monday, I have a VA doctor appt that's been scheduled for over a month, and was moved to make sure it happened before I moved. It's at 8am, and it's unlikely that I'll be back home before noon. Then Tuesday, the 28' box trailer will be being delivered, I have no idea what time, but I obviously need to be here for that. I was hoping to get it early as I only really have 3 days to get all packed out, and I'm like the lone ranger here, so guess what I'd planned on doing all day from the time the truck drops off till closing...

So if the processor knew this form was going to be required, and she did. And she knew that it was going to take 24-48 hours from the time I got to the registry to get it completed, and she obviously did. Then why the bloody heII did she wait till late on a Friday to get it to me, and how can she realistically expect me to get it back to her before close of business on the coming Monday? If the closing gets delayed, sorry Charlie, not my problem. Contact and yell at your processor. I'm not missing my VA appt. So for their sakes, I hope the DMV is very UN-crowded, and they can do the search while I wait and sign the paper. Else-wise, they might not get it till closing, or maybe the day before.

The appraiser for my sale was/is a horse's behind. He wrote the appraisal low and took off value for non similar comps. When questioned on it he refused to budge or change anything. Can't even hire another appraisal as the first FHA appraisal done for a loan, sticks with the property for 6 months, so I couldn't even sell it to another FHA buyer. Really pretty unfair unless you happen to be in a housing market area where prices are going down. Not the case here, so they are going to get an instant 10 grand of equity, plus. I say that because I had multiple offers at 265K. 6 months from now, that's probably where it will appraise. So the place appraised at 251K. The buyers agreed by contract to pay $2,500 over appraised value, so the final sales price is 253,500. Over 20 thousand below the agreed purchase price. I didn't really need that money anyway... I asked if their loan was final approved. My REA doesn't know for sure but assumes that it is except for this form.

I haven't heard anything from my lender at all. I don't know if the appraisal has been done, has been sent to them... nothing... The termite inspection came back clean. The roofers I guess have been delayed but are putting the new roof on this coming week. So I don't have a clue about my new home status either.

Have had a whole bunch of other stuff to make me angry as well. I texted a friend today that if I had a gun with me today, I'd probably be in prison tonight for murder. Nobody in particular, just the next stupid Ba$%^d to mess with me.

<long sigh> OK, so tomorrow is another day and when the box packing begins. Favorite oldest daughter is here, so she'll be helping. May even get her to help move some of the heavier stuff to be staged in the garage before I take her home on Sunday evening. We'll see...

 

[Devonviolet]

Checked with Peoples... not an option. Though I am in their service area, like most others, they are capped out...

I checked with my present provider Comcast & my lowest monthly data usage over the past 3 months was over 100 Gig. The highest was over 150

That surprises me about HughesNet (which you mentioned a while back). We just signed up recently & nothing was said about service area caps.

OMG! 100-150 GB??? I can't imaging either having or using that much data! Wow!

If you go with Verizon's JetPak, remember it's a 2 year contract. You might be able to afford more than I can for your data. We were trying to keep it down to 6GB. Even at that our monthly bill was running around $140, with all the misc. charges, which for some might not sound bad (in comparison). But, on our very limited income that is a lot.

After being used to 100+ GB of data, I suspect you are going to be going through data withdrawal when you get to TX!

 

[Devonviolet]

And if she (the loan processor for the buyer) doesn't have this form back by Monday, it could delay closing, because it's one of the conditions to close, which is scheduled for Thursday the 22nd. Now her Email doesn't say this, but my REA tells me that she told him that I also need to record this document. The REA told her that typically the title company takes care of that when the record the deed and the note. The processor told him that no, I have to record it. That's NOT in the Email so I'm not going to worry about it.

So if the processor knew this form was going to be required, and she did. And she knew that it was going to take 24-48 hours from the time I got to the registry to get it completed, and she obviously did. Then why the bloody heII did she wait till late on a Friday to get it to me, and how can she realistically expect me to get it back to her before close of business on the coming Monday? If the closing gets delayed, sorry Charlie, not my problem. Contact and yell at your processor.

WOW!!! Talk about Deja Vu! It sounds like you're describing our fiasco, when we bought this place. Simple 4 week closing turned into 8 weeks. By the time we closed, I wasn't talking to the loan officer. Promises, promises, promises!

I think I told you there were no comps for our place either.

My heart goes out to you packing your shipping container. We did the same thing - both ends of the move (pack & unload). It was definitely NOT FUN! I'm hoping we never have to move again!