Let's Be Worth Our Salt

 

Good Morning, good morning.  We figure we’re only going to write a short entry today, because we are at work.  Trying to still clear our mind. 

 

Well, the update on the house has its pluses and minuses.  As it turns out we might be able to buy the house without help from our son.  Which is good, because it turns out he can’t help us.  It’s ok.  We were in contact with the mortgage broker yesterday and we filled out information for a pre-approved mortgage.  He had said for a little higher interest they had a loan especially for people like us without great credit and no down payment.  But, then after getting back credit report, he thought maybe we’d still qualify for FHA.  Not sure.  It’s still going to need going through an underwriter which means over the next couple of days I’ve got to pull some papers together. 

 

On the negative side, a co-worker and us went out to look at the townhouse yesterday.  That turned out to be a disaster.  The place was just half of what was seen in the picture.  There were three windows, no yard, and it was tightly compacted with other buildings which made it look like tenement housing.  We also realized it was all Spanish which is ok, unless you are not Spanish and our friend recognized familiar gang signs from a group of young men standing on a corner of the complex.  UHUH, not for us!  We’ll keep looking and working on pre-approved status.  Maybe in a neighborhood we’re fonder of.

 

Yesterday with Dr. M. and while at work, we were pretty preoccupied in housing excitement.  Today we’re trying to slow it down a little.  Lots of obstacles up ahead and we want to take our time and appreciate the decisions that we’ll make.  Dr. M. put in some nice thoughts.  He had said that most people don’t plan out there retirement so carefully.  I’m not sure how accurate that is, but I know this is the first time in my life I’ve seriously done so.  I had gone along thinking that my kids will take care of me.  But, that’s not necessarily fair.  The other poor option in our thinking was to believe we’re just not going to live that long.  That’s not such good thinking.

 

Ok, ok … how are we going to get our mind back to work?  Yesterday, we had someone from another organization that works closer to the State come out to meet the clients she’s responsible for.  There were about 12.  She’s coming back tomorrow.  I don’t think she does such a careful job getting to know people, so I’m not going to over-worry about her return.  I did not however complete the tasks I’d set up for yesterday.  So, I want today to do three annual reports and one ICAP report.  The general schedule is fairly clear, except if the secretary doesn’t come in again, we’ll have to watch the front.  That’s ok ... we can handle that. 

 

So, maybe we’ll start with that ICAP report first … It’s the easiest and the shortest.  *Big sigh*  I can do this, right?  NO MORE STALLING!  One of the things I appreciated over the weekend was seeing just how important this job was for steadying my life line.  Better feed into it proper! 

 

That’s it then … have a good one.  J