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A possibly huge mistake

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Pat - 30 Nov 2005 06:30 GMT
There's good news and bad.

The good is that I found some squishy catfood in pouches at the discount
grocery, and all the cats love it. For those of you with very finicky cats,
if you can find the stuff it might be just the ticket. It's called Whiskas
Savory Paté.

The bad news is that when it's not on sale, it's way expensive - much too
high to feed regularly to a clowder of seven - but now they want nothing to
do with their kibble at all, and can't seem to get enough of this new treat.

In other news: I applied for the mortgage loan and passed the credit check
with flying colors. The house is inexpensive so I also passed the income
part. Now assuming the bank's evaluation of the property is in line with the
price offered (or the sellers will accept a bit less, if needed) and I
gather the whole $4500 for downpayment and closing costs within 30 days, I
will soon be a homeowner for the first time!
wafflycat - 30 Nov 2005 07:18 GMT
Here's hoping it all worked out for you!

Cheers, helen s
Exocat - 30 Nov 2005 09:43 GMT
> Now assuming the bank's evaluation of the property is in line with the
> price offered (or the sellers will accept a bit less, if needed) and I
> gather the whole $4500 for downpayment and closing costs within 30
> days, I will soon be a homeowner for the first time!

We're purring for a successful conclusion, Pat.

Gordon & the FF
kilikini - 30 Nov 2005 10:29 GMT
> There's good news and bad.
>
[quoted text clipped - 13 lines]
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!

Yay!  Isn't that exciting!?!  I own a home for the first time (have for a
year now), too, and it's so nice to not have to deal with landlords anymore.
Congratulations!  Plant what you want, paint what you want and enjoy.

kili
Victor Martinez - 30 Nov 2005 13:38 GMT
> Yay!  Isn't that exciting!?!  I own a home for the first time (have for a
> year now), too, and it's so nice to not have to deal with landlords anymore.

Yeah, now *I'm* the landlord. Which means *I* have to fix whatever
breaks. ;-)

Signature

Victor M. Martinez
Owned and operated by the Fantastic Seven (TM)
Send your spam here: uce@ftc.gov
Email me here: pistorLITTER@BOXaustin.rr.com

kilikini - 30 Nov 2005 13:59 GMT
> > Yay!  Isn't that exciting!?!  I own a home for the first time (have for a
> > year now), too, and it's so nice to not have to deal with landlords anymore.
>
> Yeah, now *I'm* the landlord. Which means *I* have to fix whatever
> breaks. ;-)

Yeah, I guess that's the negative, but wherever I've lived (rented) I always
had to fix the breaks, too.  It kept the landlord off my back and the rent
down.  :~)

kili
jmcquown - 30 Nov 2005 17:56 GMT
>>> Yay!  Isn't that exciting!?!  I own a home for the first time (have
>>> for a year now), too, and it's so nice to not have to deal with
[quoted text clipped - 8 lines]
>
> kili

Having lived in this apartment complex since 1998, I must say it's the best
ever.  If something breaks, they fix it immediately.  Over that period of
time, they replaced the central air conditioning unit with a brand new one.
A couple of months ago the fan on that unit bent somehow; they repaired it
and cleaned out all the inside ducts.  Replaced the dishwasher & garbage
disposal.  Replaced the leaking water heater (which is hidden next to the
stove under a cabinet).  Replaced the carpeting where the leak from the
water heater seeped through to the dining area.

They tore out the old fencing around the patio and replaced it with new
fencing - shorter but brand new.  I had a slight problem with that.  This
was in 1999 when my tiny dog Sampson was still alive.  The ground around my
patio is uneven and there was a gap large enough for Sampson to crawl under.
One sunny day I let him out on the patio to bask in the sun.  Looked out a
short while later and he was gone!  Luckily, he hadn't wandered more than a
few feet.  The landlord immediately sent some guys out to nail boards around
the base of my fence so my little dog couldn't escape!

Every three months the maintenance guy comes out and replaces the batteries
in the smoke alarms and checks the (supplied) fire extinguisher in the
kitchen.  Once a year they send out a chimney sweep to clean out the flue.
The yard guys keep the property neat and if I catch them they'll use their
blower to get the pine needles off my patio.  Since the property is
surrounded by pine trees (messy dang trees) they send guys up on the roof to
sweep them off.

I don't have to take out the garbage any further than the fenced patio; the
patio has a little built in niche for the garbage can(s) with a gate on my
side for easy access and a lower fence on the outside for the trash
collectors to get at them.

In all that time, regardless of the expense for repair/replacement of
appliances and services rendered, they have never raised my rent more than
$20/month.  This upcoming renewal is only $10 more/month.

OB Cats:  When they found out I'd lost my job, there was no rent increase
for 2005 plus they removed the monthly pet fee for Persia (which will
continue through the next year).

With this upcoming renewal they are installing a ceiling fan in this room
(would be both bedrooms but I have a waterbed which can't be moved and you
can't put a ladder on a waterbed!), giving me a gift certificate to Target
and giving me one month's rent at $125 off.

I love it here!

Jill
Jane - 30 Nov 2005 18:19 GMT
>In all that time, regardless of the expense for repair/replacement of
>appliances and services rendered, they have never raised my rent more than
[quoted text clipped - 10 lines]
>
>I love it here!

I'm with you, Jill.  To me, paying rent means the *somebody else* does
the maintenance and the grounds work.  I've had good apartments and bad
apartments, and these last few have been pretty good.
Quite frankly, I don't *care* what color the walls are. If I have
a clean, warm, safe place to sleep, I'm happy.  Once I got the
upstairs neighbors trained to keep the noise down, I sleep very well.  
I'm walking distance to a metro, a mall with a grocery store, and
lots of bus stops.  On top of that, I'm near a *good* reliable
mechanic and my car works just fine.  (Anyone live near Laurel, MD?
I'll pass their name on! They are the *best*)
Heck, we even have two pools.
If I ever bought my own place (and that's becoming a possibility
someday), it would be for good  wood floors, and/or I would take up
pet rescue of some kind.  

If I were married to a handyman, it might be different. But I'm not,
and that's not likely to happen at this stage of my life.  I'll
probably go straight from an apartment to a long-term care facility.

Jane
jmcquown - 30 Nov 2005 19:39 GMT
>> In all that time, regardless of the expense for repair/replacement of
>> appliances and services rendered, they have never raised my rent
[quoted text clipped - 10 lines]
> bad apartments, and these last few have been pretty good.
> Quite frankly, I don't *care* what color the walls are.

I neglected to mention, I can paint the walls if I want to; they just
repaint when someone else leases anyway :)  I'm considering a sort of
cinnamon shade (slightly lighter) on the wall where the fireplace is.  It's
a relatively small wall to paint since the door to the patio out back is
also on that wall.  I am also free to wallpaper the bathrooms any which way
I please... well, I can paint but I don't DO wallpaper! LOL  And I don't
care what colour the wallpaper is, either.  It's just a bathroom.

If I have
> a clean, warm, safe place to sleep, I'm happy.  Once I got the
> upstairs neighbors trained to keep the noise down, I sleep very well.

Ah!  I also forgot to mention, there are no upstairs neighbors.  This is all
one level and only one adjoining wall to my neighbors next door.  It's more
like a "duplex" within an apartment complex made up of the same.  My
neighbors are quiet; so am I.

> I'm walking distance to a metro, a mall with a grocery store, and
> lots of bus stops.  On top of that, I'm near a *good* reliable
> mechanic and my car works just fine.  (Anyone live near Laurel, MD?
> I'll pass their name on! They are the *best*)
> Heck, we even have two pools.

Now, I don't choose to go to the pool because I don't have children.  I
tried it once or twice a few years earlier.  One little girl came up and
told me my bathing suit was ugly.  Heh, a lot you know, kid, you've got BIG
pink flowers all over yours! LOL  But I can't tolerate kids splashing and
yelling all around me.  Besides, I burn in an instant in the sun.  On a good
note, management tends to rent to families with children on one side of the
complex and adults without on the other, which works out fine :)

> If I ever bought my own place (and that's becoming a possibility
> someday), it would be for good  wood floors, and/or I would take up
> pet rescue of some kind.

I would LOVE to have a place with hardwood floors and French doors.  I
considered buying a house in 2003.  I was seriously looking into it.  At
this point it is a good thing I didn't because I lost my job in 2004.  I've
never been late in my rent but just the thought of having my *house* yanked
out from under me and sold at auction should things get worse is scary as
hell.

> If I were married to a handyman, it might be different. But I'm not,
> and that's not likely to happen at this stage of my life.  I'll
> probably go straight from an apartment to a long-term care facility.
>
> Jane

LOL  I feel that way sometimes, too!

Jill
CATherine - 01 Dec 2005 04:59 GMT
>Having lived in this apartment complex since 1998, I must say it's the best
>ever.  If something breaks, they fix it immediately.  
[quoted text clipped - 7 lines]
>
>Jill

Wow!!!! Jill, you have a great landlord. You are truly blessed. I have
a great landlord myself. And he is a treasure after all the icky ones
in the past.

And I would rather rent than own; keeping my options open. No lease,
either.

--
CATherine
Enfilade - 01 Dec 2005 14:41 GMT
> And I would rather rent than own; keeping my options open. No lease,
> either.

At some point I hope to have a house, but we aren't going to consider
it until Dylan is out of his medical residency and we are looking for a
place we will be settling down in permanently.  Firstly, then we will
have a good and regular income, and secondly, I don't see the point in
buying a house when we will be moving to another city in all likelihood
within 5 years.  As well, I plan to use my inheritance from my grandma
as the down payment on a house, and she's not dead yet (and I'm not in
THAT much hurry for a house).

Best wishes on the new house

--Fil
jXwXeXrXmXoXnXt@sonic.net - 02 Dec 2005 11:24 GMT
> And I would rather rent than own; keeping my options open. No lease,
> either.

Me, too. I've always rented. I know it's a waste of money, and that's
the main reason for owning, IMO. But on the other hand, I love not
having to worry about whether I can afford to replace expensive appliances
or fix the roof, and all the headaches that come from home ownership.

I've always been lucky, I guess, and have had reasonable landlords.
At least, I've had ones that mostly leave me alone, not pry into my
life or apartment, and will fix or replace things when I need it. I'll
even put up with a slow response time, in exchange for privacy and
laissez-faire on the part of a landlord - if the thing I need done is
important enough, and I'm not getting a fast enough response, I've
usually gotten what I needed by saying that I'll do it myself and send
him the bill. :)

Mostly I've liked apartment life. I usually find apartments on the top
floor when looking for a new place, so I don't have the problem of
noisy neighbors stomping around over my head. (I lived in a middle
apartment for about 7 years, and that was enough for me!) One thing
about a house that I wouldn't like is that you're on the first floor.
That gives me the creeps, and doesn't feel private. I really like being
up a floor or two, above street level - feels safer that way.

I would love to have a yard where I could do some gardening, but
that's not impossible with an apartment. Meanwhile, I have a very
sunny front landing where I do grow a lot of things in containers.

I really don't have that much interest in owning a home for its own
sake - that whole thing about having "something that's mine" doesn't
mean much to me. If it weren't for the fact that it's not a wise way
to prepare for retirement, I would just rent for the rest of my life.
Of course, the way my work life's been going lately, I might not have
any choice. I thought about buying a house a few years ago, but I
haven't had full-time work for quite some time, so it's not in my
immediate plans.

Hopefully I have a few good working years ahead of me, and I'll be
able to save up again for a down payment, at the very least for a
condo, which is probably all I can afford in this overpriced area!

Joyce
Lesley - 02 Dec 2005 13:30 GMT
One thing
> about a house that I wouldn't like is that you're on the first floor.
> That gives me the creeps, and doesn't feel private. I really like being
> up a floor or two, above street level - feels safer that way.

We've lived in a 1st floor flat for just over 20 years and it's never
bothered me. I wouldn't like to live on the ground floor through-
noise, crime and I'd be worried about the furballs getting out (we live
on a very busy road). I like having our little bit of landing so
Redunzel can come out and play "hunt the landing greebling" of  a
morning when I go out to work for 5 minutes and then be picked up and
stroked.

Mind you the neighbours above are the nicest people and they've been
here longer than we have. Might be different if they moved out

Lesley

Slave of the Fabulous Furballs
Yoj - 02 Dec 2005 19:02 GMT
>  One thing
> > about a house that I wouldn't like is that you're on the first floor.
[quoted text clipped - 8 lines]
> morning when I go out to work for 5 minutes and then be picked up and
> stroked.

I sense a language, cultural, or national difference here.  In the U.S., the
ground floor is known as the first floor.  I live in a one-story house.  I
have always lived on the ground floor, in every house or apartment I lived
in.  Well, actually, for a year when I was a baby, I lived in a basement
that didn't have a house over it, but that's another story.  It doesn't
bother me a bit, because I've never known anything different.  I prefer not
to have to deal with stairs or elevators, and I'm happy there is nobody
above me to make noise - except for the occasional squirrel.

Joy

> Mind you the neighbours above are the nicest people and they've been
> here longer than we have. Might be different if they moved out
>
> Lesley
>
> Slave of the Fabulous Furballs
jXwXeXrXmXoXnXt@sonic.net - 02 Dec 2005 23:29 GMT
>> I wouldn't like is that you're on the first floor.
>> That gives me the creeps, and doesn't feel private. I really like being
>> up a floor or two, above street level - feels safer that way.

> We've lived in a 1st floor flat for just over 20 years and it's never
> bothered me. I wouldn't like to live on the ground floor through-
> noise, crime and I'd be worried about the furballs getting out (we live
> on a very busy road).

Sounds like a semantic difference here. Maybe in the UK, the "first floor"
means the first floor *above* ground level? In the US, the first floor
usually *is* the ground level. And I think we're agreed that we don't
like the ground level! :)

Joyce
Pat - 02 Dec 2005 16:18 GMT
> I've always been lucky, I guess, and have had reasonable landlords.
> At least, I've had ones that mostly leave me alone, not pry into my
> life or apartment, and will fix or replace things when I need it.

You've been fortunate indeed. Most of the landlords I've known have been
"from Hell". One particular memory gives me the creeps.... I had rented a
house in the country for a reasonable rate from a lady who seemed quite
reasonable herself. This was in early March of 2000.

This house belonged to her brother who had lived in it with his family for
seventeen years, then put it up for sale, then moved out before finding a
buyer. They left a mess behind. It was bad enough they were *not* going to
get the house sold before it was thoroughly cleaned. Silly me, offered to
clean it in exchange for not paying a deposit, and having my rent start
after I got it into decent condition. The lady agreed and I gave her a check
for my first month's rent, to begin the first of April.

That house was incredibly filthy. I remember filling FOUR vacuum cleaner
bags from JUST the living room carpet, the first day of the job. There was
honey in some of the kitchen drawers. Dog poop under an old non-working
dishwasher. A shed packed with junk. Trash strewn all over the yard.  Fly
spots coating all the walls and ceilings and windows, etc. etc. etc. And I
had to heat water on my propane camp stove in a big pot because the water
heater was busted.

In all, it took me two weeks of eight-hour days (plus 90 minutes/day of
travel time) to get that place clean enough to move into. And on the morning
of the fourth day of occupancy, I found a message on my answering machine,
from the owner's sister, saying the owner wanted me to move out within ten
days.

Well, friends, this came as a bit of a shock. I mean, after spending two
solid weeks on heavy-duty cleaning, followed by four days of heavy moving
with no help at all, my back was killing me, I was in no condition to be
moving again without at least a month of rest. And by law I was to have 30
days' notice, given prior to the start of a rental period. I called the
landlord and told him this. He did not care. He cursed at me.

No reason had been given. I asked for one. "You didn't pay the rent on
time." Huh??? My rent wasn't even due again for more than three weeks!! "You
broke the woodburner." It didn't work when I got there! In fact I had been
without heat the whole time and was still waiting for him to keep his
promise to fix it. "You haven't mowed the lawn." Well, duh, it was barely
past ankle high so far.

These folks knew exactly how far away their house is from the sheriff
department, and how much time they would have to get away (at least 30
minutes, often 45) after any "incident". The "incidents" began that night
around 11:30.... Only a few friends had my new telephone number but I
started getting nasty calls all through the night, and cars coming in and
out the drive spinning their tires and throwing gravel at the windows.

During daylight hours, they had different scare tactics for me. They'd sit
in a truck on the public road at the end of the long driveway and shoot
toward the house with rifles. If I left, they'd let themselves in with their
keys in my absence and rifle through my things. They took whatever they
pleased.

It got so bad that I was afraid to sleep in the house alone. So I got out as
quickly as I could. I was gone by the end of the tenth day. I had to take
the first place I found that would accept pets, and it was not to my liking
and too expensive for my budget, which meant I'd have to move again.

The next move was to this horse farm where I've been since August 2000.
Moving here was approximately my 18th move in less than three years' time,
and all but 3 of those moves were due to the whims of various landlords.
Enfilade - 02 Dec 2005 17:37 GMT
> You've been fortunate indeed. Most of the landlords I've known have been
> "from Hell". One particular memory gives me the creeps.... I had rented a
> house in the country for a reasonable rate from a lady who seemed quite
> reasonable herself. This was in early March of 2000.

*snip horror story*

If that would've been me, I would've been camped out in my living room
with  my dad's rifle, waiting for the "prowlers" to let themselves in.
Which is why I hope I am never in such a situation, not only because it
is scary, unfair, and wrong, but because I know how aggressive I get
(ie, enough that "going to jail" is less of a concern than "making sure
these b!stards never pull this sh!t on anyone else.")

I am sorry that had to happen to you.

--Fil
EvelynVogtGamble(Divamanque) - 02 Dec 2005 18:06 GMT
> That house was incredibly filthy. I remember filling FOUR vacuum cleaner
> bags from JUST the living room carpet, the first day of the job. There was
[quoted text clipped - 9 lines]
> from the owner's sister, saying the owner wanted me to move out within ten
> days.

I would have sent them a bill for all the cleaning
materials, time and travel expenses!  When they didn't pay,
I would have taken them to small claims court (and
undoubtedly collected).  Most places I've rented, even from
individuals, made me sign some sort of rental agreement.  If
they don't, I insist upon one. (Many tenants are reluctant
about signing such things, but they protect YOU, as well as
your landlord.)
Pat - 02 Dec 2005 19:46 GMT
"EvelynVogtGamble(Divamanque)" <evgmsop@earthlink.net> wrote in

> I would have sent them a bill for all the cleaning materials, time and
> travel expenses!

I did.

> When they didn't pay,

They didn't.

> I would have taken them to small claims court

I did.

> (and undoubtedly collected).

I didn't. I should have won, but the "justice" system in this county is one
of those "just us" deals.

> Most places I've rented, even from individuals, made me sign some sort of
> rental agreement.  If they don't, I insist upon one. (Many tenants are
> reluctant about signing such things, but they protect YOU, as well as your
> landlord.)

In Missouri, no written agreement is required for a month-to-month tenancy.
If rent is paid monthly (as opposed to weekly, for instance) then you are
assumed to have a month-to-month tenancy.
polonca12000 - 02 Dec 2005 21:50 GMT
How horrible!
Lots of purrs,
Polonca and Soncek

>>I've always been lucky, I guess, and have had reasonable landlords.
>>At least, I've had ones that mostly leave me alone, not pry into my
[quoted text clipped - 4 lines]
> house in the country for a reasonable rate from a lady who seemed quite
> reasonable herself. This was in early March of 2000.
<snip>
Yoj - 02 Dec 2005 19:00 GMT
>  > And I would rather rent than own; keeping my options open. No lease,
>  > either.
[quoted text clipped - 39 lines]
>
> Joyce

Maintenance can be a bear, especially with an older house (mine is over 40
years old), but since I paid off my mortgage 25 years ago (my payments were
$198 a month), I don't have any monthly payments to make for housing.

Joy
badwilson - 03 Dec 2005 02:51 GMT
>>> Yay!  Isn't that exciting!?!  I own a home for the first time (have
>>> for a year now), too, and it's so nice to not have to deal with
[quoted text clipped - 8 lines]
>
> kili

Aaargh, landlords!  I'm pissed off at mine right now.
Just before our trip to Australia, the compressor on the fridge died.
I had to act fast because all my stuff was thawing out in the tropical
heat, so I got my neighbour to call the repairman.  For less than
$100, they put in a new compressor and even gave me a loaner fridge
for the few days my fridge was gone.
I called the landlord after the fact to tell him what had happened and
that I'd be taking the money out of next months' rent.  He was pleased
I'd gotten it fixed for so cheap, but did say that if I hadn't already
done that, he would have told me to go out and get a brand new fridge
since this one was getting old.  D'oh!  Could have had a new fridge!
Oh well, I like ours, it's got 3 doors and the middle one is for
drinks, very cool.
Anyway, so we come back to a stack of mail waiting for us when we
returned from our trip.  One was a letter from the landlord, raising
the rent in January!  How's that for gratitude for saving him all that
money??!?  I'm very annoyed.  At least we'll only be here for 3 months
with the higher rent.
--
Britta
"There is no snooze button on a cat who wants breakfast." -- Unknown
Check out pictures of Vino at:
http://photos.yahoo.com/badwilson click on the Vino album
Jo Firey - 03 Dec 2005 03:51 GMT
>>>> Yay!  Isn't that exciting!?!  I own a home for the first time
> (have
[quoted text clipped - 29 lines]
> money??!?  I'm very annoyed.  At least we'll only be here for 3 months
> with the higher rent.

In his greedy little mind he probably figured if you could fix the fridge
and go on vacation you could afford more rent.  Sometimes they really don't
get the concept of "fair market value"

Now I'll bet you are looking for ways to cut some time off those three
months.

Jo
badwilson - 03 Dec 2005 04:17 GMT
>>>>> Yay!  Isn't that exciting!?!  I own a home for the first time
>> (have
[quoted text clipped - 28 lines]
>> the rent in January!  How's that for gratitude for saving him all
>> that money??!?  I'm very annoyed.  At least we'll only be here for
3
>> months with the higher rent.
>
> In his greedy little mind he probably figured if you could fix the
> fridge and go on vacation you could afford more rent.  Sometimes
they
> really don't get the concept of "fair market value"
>
> Now I'll bet you are looking for ways to cut some time off those three
> months.
>
> Jo

Well, I don't think he knew we were going to Australia.  He lives in
Bangkok and the only contact we ever have is when I call him about
something that's broken.  I have been to his office in Bangkok
however, and he is a high up guy in some large computer firm.  I'm
sure he's loaded.
Mind you, the rent increase was only $25/month, but still, it's the
3rd increase in just over 4 years.  Unfortunately we can't cut some
time off those 3 months :-(  No way possible at all.
--
Britta
"There is no snooze button on a cat who wants breakfast." -- Unknown
Check out pictures of Vino at:
http://photos.yahoo.com/badwilson click on the Vino album
Jo Firey - 03 Dec 2005 04:43 GMT
"badwilson" <badSPAMwilson@yahoo.com> wrote in message trip to Australia,
the compressor on the fridge
> died.
>>> I had to act fast because all my stuff was thawing out in the
[quoted text clipped - 40 lines]
> Check out pictures of Vino at:
> http://photos.yahoo.com/badwilson click on the Vino album

After I wrote that I thought, duh, they are already getting to Australia as
quickly as is humanly possible.  Purrs for everything to fall into place
just as the right land did.

Jo
Victor Martinez - 30 Nov 2005 13:37 GMT
> part. Now assuming the bank's evaluation of the property is in line with the
> price offered (or the sellers will accept a bit less, if needed) and I
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!

Congratulations!!! I hope everything goes well for you!

Signature

Victor M. Martinez
Owned and operated by the Fantastic Seven (TM)
Send your spam here: uce@ftc.gov
Email me here: pistorLITTER@BOXaustin.rr.com

Norm - 30 Nov 2005 14:27 GMT
> In other news: I applied for the mortgage loan and passed the credit check
> with flying colors. The house is inexpensive so I also passed the income
> part. Now assuming the bank's evaluation of the property is in line with the
> price offered (or the sellers will accept a bit less, if needed) and I
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!

Good luck.  May your venture prove as profitable as realty has been for
me.  One thing I realized with my first home, as I started working on it
for re-sale:  if there's something that's conspicuously lacking or that
you would particularly like do it immediately and gain the pleasure or
benefit for yourself while you're there.  Norm

--
"Any sufficiently advanced technology is indistinguishable from
masochism."  <AC Clark via me>
Irulan - 30 Nov 2005 17:55 GMT
Purrs and prayers that you get your house. :)
Lily & her mama
Jazz, RB

Signature

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

> There's good news and bad.
>
[quoted text clipped - 14 lines]
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!
jmcquown - 30 Nov 2005 17:58 GMT
> There's good news and bad.
>
[quoted text clipped - 7 lines]
> nothing to do with their kibble at all, and can't seem to get enough
> of this new treat.

I don't know about multiple cats, but I somehow managed (before Persia was
on her R/x diet) to convince her gooshy food was a treat only for Saturdays.

> In other news: I applied for the mortgage loan and passed the credit
> check with flying colors. The house is inexpensive so I also passed
[quoted text clipped - 3 lines]
> closing costs within 30 days, I will soon be a homeowner for the
> first time!

Best of luck with it!

Jill
Karen - 30 Nov 2005 19:40 GMT
Purrs that everything goes through for that house. It will *definitely* be a
good thing.

> There's good news and bad.
>
[quoted text clipped - 13 lines]
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!
Takayuki - 30 Nov 2005 21:24 GMT
>In other news: I applied for the mortgage loan and passed the credit check
>with flying colors. The house is inexpensive so I also passed the income
>part. Now assuming the bank's evaluation of the property is in line with the
>price offered (or the sellers will accept a bit less, if needed) and I
>gather the whole $4500 for downpayment and closing costs within 30 days, I
>will soon be a homeowner for the first time!

That's great news.  It'll probably be much safer than where you are
now.  More convenient too, I imagine.  Now you'll have the wonderful
choice each month of whether to pay off more of the principal, or buy
more of those cat food pouches. :)
Sam Nash - 01 Dec 2005 03:53 GMT
> There's good news and bad.
>
[quoted text clipped - 14 lines]
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!

Purrs that the bank comes through for you.
Sam, closely supervised by Mistletoe
polonca12000@yahoo.com - 01 Dec 2005 11:02 GMT
Congrats!
Best wishes,
Polonca and Soncek

<snip>
> In other news: I applied for the mortgage loan and passed the credit check
> with flying colors. The house is inexpensive so I also passed the income
> part. Now assuming the bank's evaluation of the property is in line with the
> price offered (or the sellers will accept a bit less, if needed) and I
> gather the whole $4500 for downpayment and closing costs within 30 days, I
> will soon be a homeowner for the first time!
 
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