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Pat - 24 Nov 2005 04:32 GMT
That nasty business on Abelard's shoulder is completely finished. You can no
longer even find the spot where it was inflamed. We are both so grateful for
the healing purrs from RPCA.

In other news, I found and hppe to buy a small house (still quite a bit
larger than where I am now) that's for sale in the town nearest to me. I
decided not to wait and rely on that low-interest USDA Rural Development
loan I mentioned several months back, if I can get a loan through a local
bank. It is just simpler and quicker this way, and there's so much less
paperwork involved and the choices are better without all the restrictions
like central heat being required, etc. I dislike central heat, anyway.

I'll be meeting with the loan officer this coming Monday, and if I am
approved for the amount I need, and the house is acceptable to the lender at
the price I offered, I will need to come up with around $4500 by around
Christmas time. That will be quite a challenge, but I'm committed to doing
it, even if it means selling my car and taking a cash advance on my one and
only credit card, then applying for another to which I can transfer the
balance and pay 0% interest on it for a year through one of those type of
offers that constantly come in the mail.

I think the house will pass muster with the bank, but somewhat concerned
about raising the downpayment in time. And I'll need still more cash to make
the place kitty-safe, being that it's on a residential street in town (where
there is traffic) and purchase appliances (stove, refrigerator,
washer/dryer) which I do not own.

I've decided that if I get the house, I will enclose the whole backyard with
a tall cedar fence with an electric wire at the top to prevent climb-overs
and stone at the bottom to prevent dig-unders. Any cat that tries to climb
over will have to be in contact with a one-foot-wide continuous row of
grounded chickenwire fastened to the cedar just below the hot wire, when
trying to go "over the top". I think the shock will discourage further
attempts. And the fence will give me a modicum of privacy as well, and
enable me to continue my usual practice of gardening in my birthday suit.

The best things about this place are:

(1)  I'll no longer have to drive anywhere to go shopping for food;
(2)  It has a partial basement to hide out in during severe storms;
(3)  there are three bedrooms: one for sleeping, one for an office, one for
storage;
(4)  there's a garage, and an attic which is well insulated;
(5)  It has large shade trees;
(6)  BROADBAND IS AVAILABLE!!!

If I do get it, I won't be moving until April. There are renters in it now,
and they're good ones. They'd like to stay through the winter, and I'd like
a few more months to save up for the fencing lumber and appliances.

Wish me luck? Money purrs are hereby entreated....

Thanks!!
Jeanne Hedge - 24 Nov 2005 04:48 GMT
>I think the house will pass muster with the bank, but somewhat concerned
>about raising the downpayment in time. And I'll need still more cash to make
>the place kitty-safe, being that it's on a residential street in town (where
>there is traffic) and purchase appliances (stove, refrigerator,
>washer/dryer) which I do not own.

I hope this works out for you!

I don't know if this is even possible with this house, but don't
forget that you can make your bid include the purchase of the major
appliances already there. When my parents bought their current house
2-3 years ago, their bid included payment for the stove and
refrigerator that were already there. The then-current owners
accepted, and so Mom and Dad didn't have to go out and buy those
appliances separately, and they got them cheaper than if they'd had to
buy new later.

Jeanne Hedge, as directed by Natasha

============
http://www.jhedge.com
sriddles@aol.com - 24 Nov 2005 05:00 GMT
> I don't know if this is even possible with this house, but don't
> forget that you can make your bid include the purchase of the major
[quoted text clipped - 6 lines]
>
> Jeanne Hedge, as directed by Natasha

That's a good thught, Jeanne. Especially the range. It is pretty well
expected around here that with the purchase of a house comes the
cookstove also. Washers/dryers are "extras", but sometimes thrown in by
the buyer too.

Sherry
Pat - 24 Nov 2005 05:03 GMT
> I don't know if this is even possible with this house, but don't
> forget that you can make your bid include the purchase of the major
[quoted text clipped - 4 lines]
> appliances separately, and they got them cheaper than if they'd had to
> buy new later.

The applicances that are in the house belong to the renters.
sriddles@aol.com - 24 Nov 2005 15:20 GMT
> > I don't know if this is even possible with this house, but don't
> > forget that you can make your bid include the purchase of the major
[quoted text clipped - 6 lines]
>
> The applicances that are in the house belong to the renters.

You probably already know this, but start lurking around your local
freecycle. Also the classified ads. There are people all the time that
move, and don't want to move their appliances; or they are renters who
own appliances and buy a home with built-ins. You can pick up good
refrigerators, washers/dryers, and stoves if you're lucky enough to run
onto them.  We found a Maytag washer/dryer SET for our son that looks
practically new for $100.
Irulan - 24 Nov 2005 18:43 GMT
Pat, another possibility is when you go get the loan include the amount for
the appliances you will need to buy. I remember when we refinanced a few
years back we added the amount that we needed to upgrade the house and
stuff. That might also go your way. Good luck!
Lily & her mama

Signature

Irulan
from the stars we come
to the stars we return
from now until the end of time

>
>> I don't know if this is even possible with this house, but don't
[quoted text clipped - 7 lines]
>
> The applicances that are in the house belong to the renters.
sriddles@aol.com - 24 Nov 2005 04:58 GMT
> That nasty business on Abelard's shoulder is completely finished. You can no
> longer even find the spot where it was inflamed. We are both so grateful for
[quoted text clipped - 49 lines]
>
> Thanks!!

Good news on Abelard!
Good luck with the house. We've bought houses through bank financing
before. There are pros & cons. Itt's a *whole* lot less hassle & red
tape,  and you'll likely take possession much faster than the USDA
loan. But the interest rate won't be nearly as good, which can
sometimes mean a big difference in your payment amount. Banks usually
don't escrow taxes & insurance, so you have to come up with the lump
sum once a year on your own.  Banks are way more lenient about the
condition & amenities of the house.
Anyway! Good luck!!

Sherry
Jo Firey - 24 Nov 2005 06:44 GMT
> That nasty business on Abelard's shoulder is completely finished. You can
> no longer even find the spot where it was inflamed. We are both so
[quoted text clipped - 51 lines]
>
> Thanks!!

Purrs on the way that you are able to make this work.

Is there anyplace there where you can buy reconditioned used appliances?  I
know they are available here and often come with some bit of a warranty.  I
used to have a tax client that had that sort of business in addition to
doing appliance repairs - mostly for apartment complexes.  And my next door
neighbor does this now.

And get a fixed rate mortgage if at all possible.  Variable just isn't worth
the risk.

Jo
Adrian - 24 Nov 2005 10:48 GMT
<snip>
> Wish me luck? Money purrs are hereby entreated....
>
> Thanks!!

Lots of good luck purrs on the way. Maybe some of Abelard's good luck will
rub off onto you. :-)
Signature

Adrian (Owned by Snoopy and Bagheera)
A House is not a home, without a cat.
http://community.webshots.com/user/clowderuk

jmcquown - 24 Nov 2005 11:33 GMT
> That nasty business on Abelard's shoulder is completely finished. You
> can no longer even find the spot where it was inflamed. We are both
> so grateful for the healing purrs from RPCA.

Good news!

> In other news, I found and hppe to buy a small house (still quite a
> bit larger than where I am now) that's for sale in the town nearest
[quoted text clipped - 4 lines]
> without all the restrictions like central heat being required, etc. I
> dislike central heat, anyway.

Ahem, what kind of heat does it have, then?  Radiator/steam heat?  It must
have *some* sort of heat.  Don't trust space heaters in any way shape or
form.  Especially not with cats around.

> I think the house will pass muster with the bank, but somewhat
> concerned about raising the downpayment in time. And I'll need still
> more cash to make the place kitty-safe, being that it's on a
> residential street in town (where there is traffic) and purchase
> appliances (stove, refrigerator, washer/dryer) which I do not own.

Most places include at least the stove, if not the fridge.

> I've decided that if I get the house, I will enclose the whole
> backyard with a tall cedar fence with an electric wire at the top to
[quoted text clipped - 3 lines]
> cedar just below the hot wire, when trying to go "over the top". I
> think the shock will discourage further attempts.

Sorry, but electric shock treatment never agreed with me.  It just sounds
cruel.  Teach the cats to be indoor cats.  It can be done, if you're
willing.

And the fence will
> give me a modicum of privacy as well, and enable me to continue my
> usual practice of gardening in my birthday suit.

EEEEK!

> The best things about this place are:
>
[quoted text clipped - 14 lines]
>
> Thanks!!
Pat - 24 Nov 2005 15:15 GMT
> Ahem, what kind of heat does it have, then?  Radiator/steam heat?  It must
> have *some* sort of heat.

Yes, it does. A propane floor furnace.  Radiators are great but hard to find
around here.

> Don't trust space heaters in any way shape or
> form.  Especially not with cats around.

Space heaters and woodstoves are all I've ever used, and the cats absolutely
love them, too.

> Most places include at least the stove, if not the fridge.

In this area, they don't. Not even in rental homes and apartments.

> Sorry, but electric shock treatment never agreed with me.  It just sounds
> cruel.  Teach the cats to be indoor cats.  It can be done, if you're
> willing.

Uh, Jill, there's a huge difference between an electric fence and "shock
treatment".

> EEEEK!

Hey, I know I'm ugly, but even I don't think I'm ugly enough to make another
woman scream in horror!

Try some heavy outdoor work in the sun between May and October during
full-blown menopause, without an air conditioned place to cool down in, and
see how long you can keep it up with any clothing on your body....
jmcquown - 24 Nov 2005 16:09 GMT
>> Ahem, what kind of heat does it have, then?  Radiator/steam heat?
>> It must have *some* sort of heat.
>
> Yes, it does. A propane floor furnace.  Radiators are great but hard
> to find around here.

I lived in a place once with a gas floor heater; my ex-husband rented it.
It was haunted.  By a man who killed his wife.  I didn't like the heat just
coming up from the floor, not to mention the ghost wasn't Casper the
Friendly.

>> Don't trust space heaters in any way shape or
>> form.  Especially not with cats around.
>
> Space heaters and woodstoves are all I've ever used, and the cats
> absolutely love them, too.

Persia loves it when I light a fire in the fireplace, but it's not something
I'd let her near.  I don't trust space heaters.  How many horror stories do
we hear every year about a space heater that wasn't properly equipped tipped
over and started a fire that burned down homes?  Especially during the
holidays.

>> Most places include at least the stove, if not the fridge.
>
> In this area, they don't. Not even in rental homes and apartments.

How odd.  Around here, I have not only the stove, dishwasher, refrigerator
(I traded the fridge for my own for $15 less a month) plus a full size
washer & dryer.  The last place I lived had a stackable washer & dryer but
still the stove and fridge and dishwasher.  I wouldn't move someplace that
didn't at least have a stove and washer/dryer hookups.

>> Sorry, but electric shock treatment never agreed with me.  It just
>> sounds cruel.  Teach the cats to be indoor cats.  It can be done, if
>> you're willing.
>
> Uh, Jill, there's a huge difference between an electric fence and
> "shock treatment".

Pat, I don't think so.  Anything that shocks an animal is not pet friendly.
You can train a cat to stay inside without that.  Persia cried her head off
for a couple of weeks when I wouldn't let her out to roam, even though she'd
begged me in the bitter cold to let her in.  Now, she doesn't want out.  She
asks out in her mesh enclosure but she doesn't want to stay out there unless
I'm sitting out there with her.

>> EEEEK!
>
> Hey, I know I'm ugly, but even I don't think I'm ugly enough to make
> another woman scream in horror!

I never said you're ugly; but I don't want to see my neighbors walking
around gardening in the nude.  Okay, so you'll have a fence.  I don't want
to *know* my neighbors are walking around naked.

> Try some heavy outdoor work in the sun between May and October during
> full-blown menopause, without an air conditioned place to cool down
> in, and see how long you can keep it up with any clothing on your
> body....

How about I just stay out of the sun and don't do gardening work?  I'm not a
gardening and chickens and horses kinda gal; I was raised in the city.  I
don't walk around nude except inside my house from the bathroom to the
bedroom :)

Jill
Pat - 24 Nov 2005 16:53 GMT
> How many horror stories do we hear every year about
> a space heater that wasn't properly equipped tipped
> over and started a fire that burned down homes?
> Especially during the holidays.

The kind of space heater I mean is attached to a wall or to the floor.

> Anything that shocks an animal is not pet friendly.

It's a lot friendlier than letting them wander in traffic.

> You can train a cat to stay inside without that.

But I don't *want* seven cats inside at all times.

Maybe you've never felt the shock of an electrified fence. It isn't painful,
just unpleasant - enough that you wouldn't want to touch it again unless a
monetary reward was involved.

> I never said you're ugly; but I don't want to see my neighbors walking
> around gardening in the nude.  Okay, so you'll have a fence.  I don't want
> to *know* my neighbors are walking around naked.

I can think of a few people you might make an exception for....
jmcquown - 24 Nov 2005 19:44 GMT
>> How many horror stories do we hear every year about
>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 14 lines]
> painful, just unpleasant - enough that you wouldn't want to touch it
> again unless a monetary reward was involved.

My uncle (gosh, he must be 90 by now) invented the "invisible fence" with
the dog collar thing.  That's how he made his first million.  (Later in the
1960's he got into the computer business before computers were meant to be
in peoples' homes and made another couple of million.  Too bad I haven't
seen the man since 1969, but then again, he has 6 kids to leave his millions
to.)

>> I never said you're ugly; but I don't want to see my neighbors
>> walking around gardening in the nude.  Okay, so you'll have a fence.
>> I don't want to *know* my neighbors are walking around naked.
>
> I can think of a few people you might make an exception for....

Only ONE, and even then when he and I sit around playing cards or backgammon
we wear jammies :)

Jill
sriddles@aol.com - 24 Nov 2005 20:58 GMT
> >> How many horror stories do we hear every year about
> >> a space heater that wasn't properly equipped tipped
[quoted text clipped - 32 lines]
>
> Jill

This exchange, I couldn't help chuckling. Pat, I live probably about as
isolated as you. While I never would go outside stark naked, I did go
out in my underwear to get my capri pants/blouse off the clothesline
once. I ran smack into an entire seismograph crew who was working just
over the fence.

Sherry
No More  Retail - 24 Nov 2005 21:01 GMT
What no pictures ;-)

>> >> How many horror stories do we hear every year about
>> >> a space heater that wasn't properly equipped tipped
[quoted text clipped - 44 lines]
>
> Sherry
Pat - 24 Nov 2005 21:18 GMT
> This exchange, I couldn't help chuckling. Pat, I live probably about as
> isolated as you. While I never would go outside stark naked, I did go
> out in my underwear to get my capri pants/blouse off the clothesline
> once. I ran smack into an entire seismograph crew who was working just
> over the fence.

How did that go?
jmcquown - 24 Nov 2005 21:21 GMT
>> This exchange, I couldn't help chuckling. Pat, I live probably about
>> as isolated as you. While I never would go outside stark naked, I
[quoted text clipped - 3 lines]
>
> How did that go?

LOLOL!

Jill
sriddles@aol.com - 24 Nov 2005 22:36 GMT
> > This exchange, I couldn't help chuckling. Pat, I live probably about as
> > isolated as you. While I never would go outside stark naked, I did go
[quoted text clipped - 3 lines]
>
> How did that go?

Ha! Here's how it went. I was already too far away from the house to
run back in. I was already nearly at the clothesline, so I waved, they
waved. I got my clothes and went back into the house. Trying to act
nonchalant, but all the time it felt surreal. Like I was having one of
those dreams where you go to work and forget to put your blouse on.

Sherry
Adrian - 24 Nov 2005 21:21 GMT
>>>> How many horror stories do we hear every year about
>>>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 43 lines]
>
> Sherry

JPEGs ?
Signature

Adrian (Owned by Snoopy and Bagheera)
A House is not a home, without a cat.
http://community.webshots.com/user/clowderuk

Jo Firey - 24 Nov 2005 23:28 GMT
>> >> How many horror stories do we hear every year about
>> >> a space heater that wasn't properly equipped tipped
[quoted text clipped - 44 lines]
>
> Sherry

Darn near anyone can get caught.  DH is fairly modest.  But he did manage to
lock himself out of the house while putting clothes in the washing machine
out in the garage while the girls and I were out of town.  Wearing only a
towel wrapped around his waist.  (Something he would never have done it
anyone else had been home)  He ended up climbing in the bathroom window to
get back in the house, fell into the bathtub and darn near killed himself.

Jo
Enfilade - 25 Nov 2005 02:04 GMT
> > This exchange, I couldn't help chuckling. Pat, I live probably about as
> > isolated as you. While I never would go outside stark naked, I did go
> > out in my underwear to get my capri pants/blouse off the clothesline
> > once. I ran smack into an entire seismograph crew who was working just
> > over the fence.

Gods, on my other news board, by this point someone would have posted
an image reading

"This Thread Is Useless Without Pictures"

***

Anyways, purrs for a nice new home.

--Fil
Pat - 25 Nov 2005 02:17 GMT
>> > This exchange, I couldn't help chuckling. Pat, I live probably about as
>> > isolated as you. While I never would go outside stark naked, I did go
[quoted text clipped - 6 lines]
>
> "This Thread Is Useless Without Pictures"

Allright, I'll take some pics of the house next time I'm in town, and post
them for y'all.

> Anyways, purrs for a nice new home.

TY.
Adrian - 25 Nov 2005 09:28 GMT
>>>>> How many horror stories do we hear every year about
>>>>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 57 lines]
>
> Jo

I'm reminded of the scene from season one of 'Desperate Housewives', but I
suspect your DH was less easy on the eye. ;o)
Signature

Adrian (Owned by Snoopy and Bagheera)
A House is not a home, without a cat.
http://community.webshots.com/user/clowderuk

jmcquown - 25 Nov 2005 13:50 GMT
>>>>>> How many horror stories do we hear every year about
>>>>>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 61 lines]
> I'm reminded of the scene from season one of 'Desperate Housewives',
> but I suspect your DH was less easy on the eye. ;o)

My brother managed to lock himself out of a hotel room while travelling on
business.  He'd been at the bar earlier (probably for too long!) then went
up and ordered room service.  For some reason he was wearing nothing when he
set the tray back outside the door. <CLICK> the door shut behind him.  Oh
crap!

He should have worn a robe or a towel at least!  He had to take the elevator
down, hide behind a potted plant and PSSSST! at a bellboy and explain he
needed a key to his room.  How funny is that?!

Jill
sriddles@aol.com - 25 Nov 2005 14:22 GMT
> >>>>>> How many horror stories do we hear every year about
> >>>>>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 73 lines]
>
> Jill

Oh, that is the absolute WORST!  (But somehow, I bet hotel employees
see it all! Bet he wasn't the first!)

Sherry
Adrian - 25 Nov 2005 15:00 GMT
>>>>>>>> How many horror stories do we hear every year about
>>>>>>>> a space heater that wasn't properly equipped tipped
[quoted text clipped - 81 lines]
>
> Sherry

He won't be the last either. ;o)
Signature

Adrian (Owned by Snoopy and Bagheera)
A House is not a home, without a cat.
http://community.webshots.com/user/clowderuk

Nan - 24 Nov 2005 15:02 GMT
>That nasty business on Abelard's shoulder is completely finished. You can no
>longer even find the spot where it was inflamed. We are both so grateful for
[quoted text clipped - 49 lines]
>
>Thanks!!

House ownership purrs are on the way.  I sincerely hope that you get
the loan and the house of your dreams.

Purrs and Hugs,

Nan and the furkids

A wise man talks because he has something to say;
a fool talks because he has to say something.
Pat - 24 Nov 2005 15:57 GMT
> House ownership purrs are on the way.  I sincerely hope that you get
> the loan and the house of your dreams.

Thanks, Nan.

I think the house of my dreams is never going to happen, but meanwhile, this
little one I described will do nicely.
Irulan - 24 Nov 2005 18:41 GMT
Thank goodness for Abelard being quite healthy now.

And we will purr and pray mightily that you can get that house that you want
to buy for your peace of mind and well-being. Nothing but good thoughts
going your way from us.
Lily & her mama
Jazz, RB

Signature

Irulan
from the stars we come
to the stars we return
from now until the end of time

> That nasty business on Abelard's shoulder is completely finished. You can
> no longer even find the spot where it was inflamed. We are both so
[quoted text clipped - 51 lines]
>
> Thanks!!
polonca12000 - 24 Nov 2005 19:56 GMT
I'm so glad to hear Abelard is ok.
Lots of purrs and best wishes for everything to go well with the house,
Polonca and Soncek

> That nasty business on Abelard's shoulder is completely finished. You can no
> longer even find the spot where it was inflamed. We are both so grateful for
> the healing purrs from RPCA.
>
> In other news, I found and hppe to buy a small house (still quite a bit
> larger than where I am now) that's for sale in the town nearest to me.
<snip>
 
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